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
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 | 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 | 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 a number of factors in their underwriting process, and these factors can change at any time.
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 |
- 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
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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 | 18.74% - 29.74% (V) APR |
0% Intro 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. |
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 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% - 5%
Annual Fee
$0

U.S. Bank Cash+® Visa Signature® Card
Rating
4.8
Rewards Range
1% - 5%
Annual Fee
$0