U.S. Bank Visa® Platinum Card–No Interest Until 2025
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The U.S. Bank Visa® Platinum Card offers one of the longest 0% introductory APRs available today: you get 0% APR on both purchases and balance transfers for 21 months. Other than that, there are no rewards and no welcome offer. You do get cell phone protection, though, as well as access to your credit score. We dive into the details and your approval odds in this U.S. Bank Platinum review.
Our Rating
3.5/5.0
Welcome Offer
N/A
Annual Fee
$0
0% on Purchases
21 months
Reward Rate
No rewards
0% on Balance Transfers
21 months
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 |
Rewards
Interest Rates & Fees
| Annual Fee | $0 |
| Foreign Transaction Fee | 3% of each foreign transaction |
| Regular APR | 18.74% - 29.74% (V) APR |
| Balance Transfers | 0% Intro APR for 21 months on balance transfers, then 18.74% - 29.74%(V) APR after that. |
| Balance Transfer Fee | Either 3% of the amount of each transfer or $5 minimum, whichever is greater. |
| Purchases | 0% 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 numerous factors in their underwriting process, and these factors can change at any time.
Lowest Approved Credit Score: 740
Average Approved Credit Score: 763
| 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 |
Pros & Cons
- No annual fee
- Lengthy introductory 0% APR
- No welcome bonus
- No rewards
- Foreign transaction fee
- Requires good credit
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% - 5%
Annual Fee
$0
U.S. Bank Cash+® Visa Signature® Card
Rating
4.8
Rewards Range
1% - 5%
Annual Fee
$0