U.S. Bank Visa® Platinum Card–No Interest Until 2025

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.

U.S. Bank Platinum Visa

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 months

Reward Rate

None

0% on Balance Transfers

21 months

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 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 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
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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

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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