Credit Cards

U.S. Bank Visa® Platinum Card review: get perks for no annual fee!

Are you looking for a credit card with no annual fee and a 20 billing cycle 0% APR period? Check out our U.S. Bank Visa® Platinum Card review to learn more!

Advertisement

by Victória Lourenço

Published on 09/19/2022

U.S. Bank Visa® Platinum Card: 0% intro APR available!

Learn everything about the U.S. Bank Visa® Platinum Card. Source: The Mister Finance.
Learn everything about the U.S. Bank Visa® Platinum Card. Source: The Mister Finance.

Are you looking for a credit card with a 0% intro APR? If so, our U.S. Bank Visa® Platinum Card review may be a good option for you! So, read on to learn the other incredible features this card offers!

U.S. Bank Visa® Platinum Card

How to apply for the U.S. Bank Visa® Platinum Card

If you need a card with no annual fees and a great intro APR period, read on to learn how to apply for the U.S. Bank Visa® Platinum Card!

Credit ScoreOver 700 points.
APR*– 16.74% to 26.74% variable APR for purchases and balance transfers;
– 28.24% variable APR for cash advances;
– 0% intro APR for the first 20 billing cycles for purchases and the same for balances you transfer in – 60 days from your account opening.

*Terms apply.
Annual FeeNo annual fee.
Fees*– Balance transfer and convenience check cash advance fees: $5 minimum or 3% of each transfer amount, whichever is greater;
– Cash advance ATM, cash advance, and cash equivalent advance fees: $10 minimum or 5% of each transfer amount, whichever is greater;
– No overdraft protection fee;
– 2% of each international purchase or foreign ATM advance transaction made in U.S. dollars;
– 3% of each overseas purchase or foreign ATM advance activity in a foreign currency.

*Terms apply.
Welcome bonusN/A.
Rewards*You can slip large purchases into monthly payments (fixed) with the U.S. Bank ExtendPay™ Plan (there is a monthly fee).

*Terms apply.

To get this card’s excellent benefits, you don’t have to pay any annual fee!

Therefore, be sure to read our U.S. Bank Visa® Platinum Card review to learn more about this card and its terms and conditions!

Advertisement

How does the U.S. Bank Visa® Platinum Card work?

With this card, you can enjoy a 0% intro APR on purchases and balance transfers for the first 20 billing cycles after account opening!

Also, you can get access to the Pay Over Time features! This way, you’ll be able to split large purchases into fixed payments you pay monthly! Moreover, you won’t need to pay any interest for this option!

However, you’ll need to pay a monthly fee to be a part of the U.S. Bank ExtendPay™ Plan, which is the plan that allows you to pay in installments!

U.S. Bank Visa® Platinum Card benefits

U.S. Bank is a reliable financial company. Source: Adobe Stock.
U.S. Bank is a reliable financial company. Source: Adobe Stock.

As we mentioned, this credit card offers incredible benefits to its cardholders.

Moreover, you’ll be able to save a lot of money due to the 0% intro APR that is available for 20 billing cycles (valid from your account opening).

So, be sure to read the pros and cons below!

Advertisement

Pros

  • You can use their pay-over-time feature to make eligible payments in fixed installments with a small monthly fee;
  • There is a 0% intro APR period of 20 billing cycles;
  • You don’t have to pay any annual fee.

Cons

  • You’ll need a relatively high credit score to qualify for this card;
  • There are no regular rewards programs;
  • You don’t get a welcome bonus as a new cardholder, only the intro APR.

Advertisement

How good does your credit score need to be?

Unfortunately, to get the incredible 0% intro APR and the other perks this card offers, you’ll need a score of at least 700 or more.

How to apply for the U.S. Bank Visa® Platinum Card?

You can easily apply for this credit card. All you need is internet access to fill in the personal information required. And you can get a response in as little as 60 seconds!

If you’re interested in adding this card to your wallet, jump into the following content, and we’ll show you how to do it.

U.S. Bank Visa® Platinum Card

How to apply for the U.S. Bank Visa® Platinum Card

If you need a card with no annual fees and a great intro APR period, read on to learn how to apply for the U.S. Bank Visa® Platinum Card!

About the author

Victória Lourenço

Victória Lourenço is part of the finance writer team for The Mister Finance website. She is a translator and copywriter, having worked on finance topics for over four years. She has a goal to keep studying finances to help people learn more about how to use their credit cards, make loans, and use other money-related products in a way that they can find a more meaningful and healthy financial life!

Reviewed by

Aline Barbosa

Senior Editor

Trending Topics

content

Aspire® Cash Back Reward card review

Do you need an unsecured card with a free credit score check? If so, read our Aspire® Cash Back Reward card review to learn more about it!

Keep Reading
content

Amazon Prime Rewards Visa Signature Card vs Apple card: card comparison

Which one is the best for you: Amazon Prime Rewards Visa Signature Card or Apple card? Check out the card comparison and apply for one today!

Keep Reading
content

5 best instant e-transfer loans in Canada with no credit check!

You can get an instant loan online. Read this article to know the 5 best instant e-transfer loans and choose the best for you.

Keep Reading

You may also like

content

Indigo Mastercard for Less than Perfect Credit application: how does it work?

Are you looking for a credit card with no security deposit to help you build credit? Read our post to learn how to apply for Indigo Mastercard for Less than Perfect Credit!

Keep Reading
content

Sable bank account review: how does it work and is it good?

No more unnecessary bureaucracy and excluding standards. We all deserve to be fairly treated and have a good bank account, and Sable bank is here to change that. Let's look at the Sable bank account and its features.

Keep Reading
content

American Express® Gold Card Review: earn rewards when traveling and at restaurants

Consider the American Express® Gold Card review to a breakdown of the pros and cons, so you can make the best decision for your needs. Keep reading!

Keep Reading