Pros & Cons
- No annual fee
- Lengthy introductory 0% APR
- No welcome bonus
- No rewards
- Foreign transaction fee
- Requires good credit
Features & Benefits
| Security | Credit Score Monitoring, EMV Chip Enabled, Fraud Monitoring, Zero Liability, Identity theft protection |
| Contactless Payments | Tap to Pay, Apple Pay, Google Pay, Samsung Pay |
| Benefits | Cell Phone Protection, Free credit score access, Choose your due date, 24/7 customer service |
| Travel Perks | None |
Interest Rates & Fees
| Annual Fee | $0 |
| Foreign Transaction Fee | 2% 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 APR | 16.74% - 26.74% (V) APR |
0% Intro APR
| Balance Transfers | 0% Intro APR for 20 months on balance transfers, then 16.74% - 26.74%(V) APR after that. |
| Purchases | 0% Intro APR for 20 months on purchases, then 16.74% - 26.74% (V) APR after that. |
Our Take
How Does the U.S. Bank Platinum Compare?
The 0% introductory rate for a whopping 20 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.
| App Status | Date | Credit Score | Bureau | Credit Limit |
|---|---|---|---|---|
| Approved | 04/22/2021 | Not Provided | ||
| Approved | 01/31/2021 | Not Provided | ||
| Approved | 07/30/2021 | Not Provided | ||
| Denied | 05/18/2019 | Not Provided |
What are the best alternatives?
Citi® Double Cash Card - 18 month BT offer
Rating
4.9
Rewards Range
1% to 2%
Annual Fee
$0
Chase Freedom Unlimited®
Rating
4.9
Rewards Range
1.5-6.5%
Annual Fee
$0
U.S. Bank Cash+ Visa Signature Card
Rating
4.8
Rewards Range
1% - 5%
Annual Fee
$0
