U.S. Bank Visa® Platinum Card Review Credit Card 4 2017-06-28 13:10:44

U.S. Bank Visa® Platinum Card Review

Apply for a U.S. Bank Visa® Platinum Card
Rating:
Bottom Line:
15-month 0% APR intro and balance transfer APR period

Full Review:
The U.S. Bank Visa® Platinum Card features a generous 0% intro APR for both purchases and balance transfers. It also comes with some extra benefits.

With a 15-month 0% intro APR on balance transfers and purchase, U.S. Bank Visa® Platinum Card holders can consolidate their credit card debt onto this card, and not pay interest for over a year. Although there is a balance transfer fee of 3% of each transfer or $5, whichever is greater, the balance transfer fee is likely a lot cheaper than the ongoing interest you pay on your current credit card, making the transfer worthwhile. You can also make small or large purchase during the first 15 months and not pay a dime of interest - a great way to save money that gives you some breathing room to pay down your balance.

Additional card perks include the ability to pick your payment due date, car rental insurance and fraud protection. Combine this with no annual fee and a low ongoing interest rate (depending upon creditworthiness) and you've got a smart choice.

Overall, the U.S. Bank Visa® Platinum Card is a good pick for anyone looking for a 0% intro APR card for both purchases and balance transfers. The added benefits and no annual fee make this card even more appealing.

Highlights
  • 0% Intro APR on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 10.99% - 22.99%.
  • Great Offer for Customers of U.S. Bank, a 2017 World's Most Ethical Company® - Ethisphere Institute, March 2017.
  • No Annual Fee
  • Flexibility to choose a payment due date that fits your schedule.
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your U.S.Bank Visa┬« Platinum Credit Card. Certain terms, conditions, and exclusions apply.

Fees and APR
  • Annual Fee: $0
  • Purchase APR: 0% for 15 months, then 10.99% - 22.99%* (Variable), depending on credit history.
  • Balance Transfer APR: 0% for first 15 months for balances transferred within 60 days from account opening, then Purchase APR.
  • Balance Transfer Fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater.


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Card Details

Features:Save money with a 0% intro APR on purchases and transfers
Purchase APR:0% for 15 months, then 10.99% - 22.99%* (Variable)
Balance Transfer APR:0% for 15 months, then 10.99% - 22.99%* (Variable)
Annual Fee:None
Credit Needed:Excellent

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