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% Intro on Purchases
21 months
Reward Rate
No rewards
0% Intro on Balance Transfers
21 months
Editorial Review
How Does the U.S. Bank Platinum Compare?
The 0% introductory rate for a whopping 21 months 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% introductory 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. See alternatives below.
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
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