Credit Cardsdouble-arrowBalance Transfer Reviewsdouble-arrowU.S. Bank Visa Platinum Review

U.S. Bank Visa Platinum Review

The basics

Balance transfer details

Intro APR


Intro Period

20 billing cycles


3% or $5 whichever is greater

Annual Fee


Regular APR

14.49% - 24.49% var

Credit Score Required


Good for: Lengthy introductory APR period

Our verdict

The U.S. Bank Visa Platinum Card has one of the longest 0% APR introductory offers, lasting for the first 20 billing cycles. But while the offer applies to new purchases, it only applies to balance transfers made within the first 60 days of account opening. Be mindful to make a transfer within two months to take advantage of the offer.

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Beyond the basics

  • 0% introductory APR for 20 billing cycles
  • No annual fee
  • Cell phone protection
  • Free credit score access

Purchase APR

0% for 20 billing cycles

Cash Advance APR


Penalty APR


Sign up Bonus


Foreign Transaction Fees


Late Fees

After 1 year, $40



Full review

Lender description U.S. Bank provides a variety of financial products and services—including credit cards, checking and savings accounts, mortgages, and more—with a goal of making banking convenient, safe, and simple.

Best used for

  • Paying off debt
  • Large purchases

Pros & cons

  • No annual fee
  • 0% introductory APR for 20 billing periods on all new purchases and some balance transfers
  • Choose Your Payment Due Date
  • Cell phone coverage for damage or theft up to $600 with a $25 deductible
  • No rewards program or signup bonus
  • Balance transfer fee of $5 or 3% of the amount transferred, whichever is greater
  • Balance transfers only qualify for 0% introductory APR offer if made within 60 days of account opening

Most suitable for

Card reward details The U.S. Bank Visa Platinum Card has one of the longest 0% introductory APR offers around, lasting for the first 20 billing cycles.

How to apply Apply online by providing basic personal information. You’ll need to be at least 18, have a Social Security number, and be a legal resident of the U.S.

Available The U.S. Bank Visa Platinum Card is available nationwide.

Balance transfer example If you have a balance of $6,200 with an APR of 19% and pay $320 toward the balance each month, you would pay off your debt in 24 months with a total interest of $1,192.26. If you transferred that balance and still paid $320 each month, you’d pay off your debt before the end of the introductory offer and avoid paying interest. But there would be a balance transfer fee of $186.

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