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U.S. Bank Visa® Platinum Card: review

If you’re looking for the longest runway possible to pay off a big purchase or shed existing debt, the U.S. Bank Visa® Platinum Card is the best choice you’ll find.

This card will give you nearly two years to finance a large purchase or pay down some existing debt. Moreover, what makes this card unique and one of the best low interest credit cards is because it offers a lengthy 0% APR offer on both purchases and balance transfers.

Pros & Cons


  • No annual fee
  • No penalty APR
  • Long 0% intro APR period
  • Cell phone insurance
  • Flexibility to choose a payment due date that fits your schedule
  • Free credit score monitoring


  • No rewards
  • Requires good/excellent credit
  • No bonus offer

Rates, fees & offers

  • Annual fee: $0
  • Rewards rate: 
  • Bonus offer: N/A
  • Intro APR: 0% intro APR for 20 billing cycles on purchases and balance transfers
  • Ongoing APRAPR: 14.49% – 24.49% Variable APR
    Penalty APR: N/A
    Cash Advance APR: 
  • Balance transfer fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater
  • Foreign transaction fee: 0%


Cell phone protection

Pay your monthly cell phone bill with the U.S. Bank Platinum Visa and get damage or theft coverage up to $600, with a $25 deductible, for up to two claims ($1,200) per 12-month period. This applies to your primary cell phone line and any secondary, additional or supplemental lines

Credit score for free

When you enroll in online banking, you’ll get your credit score for free from TransUnion and alerts whenever there’s a big change to your score.

0% Introductory Rates

The U.S. Bank Visa Platinum Card offers an introductory 0% APR period on purchases made in the first 20 billing cycles of account opening and balance transfers made within the first 60 days.

After that, the standard APR will apply (currently 14.49% – 24.49%). In order to benefit from the introductory APR, you should aim to pay off your entire balance before the introductory period ends.

How to request this card

Applying for a credit card is very simple and you can do it through the app or website. But you need:

  • Social Security Number
  • Gross income
  • Employer name (if applicable)
  • Rent/mortgage amount

Did you like this card? Click on the button below and get yours right now.