Credit Cards (US)

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!

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.

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

Amazon Prime Rewards Visa Signature vs Fit Mastercard Credit Card: a comparison

Wondering if the Amazon Prime Rewards Visa Signature Card or Fit Mastercard card is better for you? Check out this in-depth comparison!

Keep Reading
content

How to apply for the Personal Capital Cash™ account?

Enjoy having an account with no fees and no minimum balance with Personal Capital Cash™. Learn how to open your account today!

Keep Reading
content

Wells Fargo Personal Loan review

Read our full review to learn how you can request a Wells Fargo Personal Loan with competitive rates and fantastic loan amounts.

Keep Reading

You may also like

content

Investing for students: how to get started today!

This guide will help you start investing today if you're a student. Learn six steps to learn about investing for students and start your investment journey!

Keep Reading
content

How do credit card miles work?

How do credit card miles work? Find out how you can earn and use miles. Learn about the different types of mileage programs where to redeem your miles and more. Read on!

Keep Reading
content

Learn all the main pros of rewards credit cards

You can get a lot of benefits with credit cards. We'll show you the pros of credit card rewards to optime your money in every purchase. So, to take advantage of your credit cards, read this article to learn how to do it.

Keep Reading