U.S. Bank Visa Platinum

The basics

Balance transfer details

Intro APR

0%

Intro Period

20 billing cycles

Fee

3% or $5 whichever is greater

Annual Fee

$0

Regular APR

14.49% - 24.49% var

Credit Score Required

Good

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

25.99%

Penalty APR

-

None

Foreign Transaction Fees

2%

Late Fees

After 1 year, $40

Network

Visa

Full review

Lender description U.S. Bank provides a variety of financial products and servicesÃ¢â‚¬â€including credit cards, checking and savings accounts, mortgages, and moreÃ¢â‚¬â€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

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. YouÃ¢â‚¬â„¢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, youÃ¢â‚¬â„¢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.

U.S. Bank Visa Platinum Review