U.S. Bank Visa® Platinum Card–No Interest Until 2024

The U.S. Bank Visa® Platinum Card offers one of the longest 0% introductory APRs available today, and it charges no annual fee.

Our Rating
3.5/5.0

Welcome Offer
0% Intro APR on purchases and balance transfers for 21 billing cycles.

Annual Fee
$0

0% on Purchases
21 billing cycles on purchases

Reward Rate
None

0% on Balance Transfers
21 billing cycles on balance transfers

Welcome Offer

For a limited time, get our best rate: 0% intro APR* on purchases and balance transfers† for 21 billing cycles. After that, the APR is variable, currently 18.74% - 29.74%.

Features & Benefits

SecurityCredit Score Monitoring, EMV Chip Enabled, Fraud Monitoring, Zero Liability, Identity theft protection
Contactless PaymentsTap to Pay, Apple Pay, Google Pay, Samsung Pay
BenefitsCell Phone Protection, Free credit score access, Choose your due date, 24/7 customer service
Travel PerksNone

Rewards

Interest Rates & Fees

Annual Fee$0
Foreign Transaction Fee2% of each foreign purchase transaction or foreign ATM advance transaction in U.S. Dollars. 3% of each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency
Regular APR18.74% - 29.74% (V) APR
Balance Transfers0% Intro APR for 21 months on balance transfers, then 18.74% - 29.74%(V) APR after that.
Balance Transfer FeeEither 3% of the amount of each transfer or $5 minimum, whichever is greater.
Purchases0% Intro APR for 21 months on purchases, then 18.74% - 29.74% (V) APR after that.

What Credit Score Is Required to Get the U.S. Bank Visa® Platinum Card

The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use a number of factors in their underwriting process, and these factors can change at any time.

App StatusDateCredit ScoreBureauCredit Limit
Approved04/22/2021
800
Not Provided
$5,000
Approved01/31/2021
750
Not Provided
$1,100
Approved07/30/2021
740
Not Provided
$500
Denied05/18/2019
700
Not Provided
---
Pros
  • No annual fee
  • Lengthy introductory 0% APR
Cons
  • No welcome bonus
  • No rewards
  • Foreign transaction fee
  • Requires good credit

What Are the Best Alternatives?

Citi<sup>®</sup> Double Cash Card - 18 month BT offer
Citi® Double Cash Card - 18 month BT offer

Rating

4.9

Rewards Range

1% to 2%

Annual Fee

$0

Chase Freedom Unlimited®
Chase Freedom Unlimited®

Rating

4.9

Rewards Range

1.5% - 5%

Annual Fee

$0

U.S. Bank Cash+® Visa Signature® Card
U.S. Bank Cash+® Visa Signature® Card

Rating

4.8

Rewards Range

1% - 5%

Annual Fee

$0

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Pros & Cons

Pros
  • No annual fee
  • Lengthy introductory 0% APR
Cons
  • No welcome bonus
  • No rewards
  • Foreign transaction fee
  • Requires good credit

Features & Benefits

SecurityCredit Score Monitoring, EMV Chip Enabled, Fraud Monitoring, Zero Liability, Identity theft protection
Contactless PaymentsTap to Pay, Apple Pay, Google Pay, Samsung Pay
BenefitsCell Phone Protection, Free credit score access, Choose your due date, 24/7 customer service
Travel PerksNone

Interest Rates & Fees

Annual Fee$0
Foreign Transaction Fee2% of each foreign purchase transaction or foreign ATM advance transaction in U.S. Dollars. 3% of each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency
Regular APR18.74% - 29.74% (V) APR

0% Intro APR

Balance Transfers0% Intro APR for 21 months on balance transfers, then 18.74% - 29.74%(V) APR after that.
Balance Transfer FeeEither 3% of the amount of each transfer or $5 minimum, whichever is greater.
Purchases0% Intro APR for 21 months on purchases, then 18.74% - 29.74% (V) APR after that.

Our Take

How Does the U.S. Bank Platinum Compare?

The 0% introductory rate for a whopping 21 billing cycles on purchases billing cycles is one of the longest 0% introductory APRs available today. If you're looking to make a major purchase or pay down your debt, this is a generous amount of time to pay it off without incurring any interest at all. You also get up to $600 in cell phone protection when you use your card to pay your monthly bill. However, other than that, this card doesn't offer any rewards and is a pretty no-frills credit card. 

Who is the U.S. Bank Platinum best for?

Anyone looking to either pay down their other credit card balances (although this card does have a balance transfer fee) or make a major purchase will appreciate this card's generous 0% APR offer.

Who would do better with a different card?

If you're looking for rewards or cash back, you'll want to choose a different card. Other than the cell phone protection benefit, this card is a strictly no-frills card, perfect for paying down debt but not much else.

What Credit Score is Required to Get the U.S. Bank Platinum

Based on data we’ve collected from public forums, a credit score of 740 or higher is ideal. Keep in mind that credit card issuers consider more than just your credit score when evaluating a credit card application.

The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use a number of factors in their underwriting process, and these factors can change at any time.

App StatusDateCredit ScoreBureauCredit Limit
Approved04/22/2021
800
Not Provided
$5,000
Approved01/31/2021
750
Not Provided
$1,100
Approved07/30/2021
740
Not Provided
$500
Denied05/18/2019
700
Not Provided
---

What are the best alternatives?

Citi<sup>®</sup> Double Cash Card - 18 month BT offer
Citi® Double Cash Card - 18 month BT offer

Rating

4.9

Rewards Range

1% to 2%

Annual Fee

$0

Chase Freedom Unlimited®
Chase Freedom Unlimited®

Rating

4.9

Rewards Range

1.5% - 5%

Annual Fee

$0

U.S. Bank Cash+® Visa Signature® Card
U.S. Bank Cash+® Visa Signature® Card

Rating

4.8

Rewards Range

1% - 5%

Annual Fee

$0

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