The U.S. Bank Visa® Platinum Card is a very good 0% APR credit card for people with good credit or better, giving new cardholders introductory rates of 0% for 20 billing cycles on new purchases and 0% for 20 billing cycles on balance transfers. U.S. Bank Visa Platinum also has... show more
0% Intro APR on purchases and balance transfers for 20 billing cycles. After that, a variable APR currently 14.49% - 24.49%.
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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.
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The main U.S. Bank Platinum requirements are that an applicant must be at least 18 years old with a valid Social Security number. Applicants must also have a physical U.S. address, enough income to make monthly minimum payments, and at least good credit.
U.S. Bank Platinum Requirements
At least 18 years old
Physical U.S. address (no P.O. boxes)
Proof of enough income to make the monthly minimum payment
Social Security number
Good credit or better
If you apply for the U.S. Bank Platinum, it's important that you enter all required information completely and accurately. Knowingly reporting false or misleading information on a credit card application is a federal crime.
To log in to your U.S. Bank Visa® Platinum Card account, go to the login page on the U.S. Bank website or mobile app and enter your username and password in the appropriate fields. Then, click the “Log in” to access your online account. If you don't already have an... show more
The best U.S. Bank Platinum benefits are cell phone protection and contactless chip technology. These perks are certainly good to have, though it's important to note that they are also relatively common benefits for credit cards.
Yes, the U.S. Bank Visa® Platinum Card does have a late fee of up to $40, which applies when cardholders don't make the minimum payment by the due date. The late fee for the U.S. Bank Platinum can never exceed the minimum payment amount, though, thanks to the CARD Act...show more
The U.S. Bank Visa® Platinum Card does not offer price protection. The U.S. Bank Platinum's lack of a price protection benefit is not uncommon these days, as more and more credit cards have dropped this perk. Recent advances in price-tracking technology have led to a dramatic increase in price... show more
Yes, the U.S. Bank Platinum has a grace period of at least 24 days, lasting from the end of each billing cycle until the payment due date. If cardholders pay their U.S. Bank Platinum statement balance in full every month, U.S. Bank will not charge any interest.
To cancel a U.S. Bank Platinum, call customer service at 1 (800) 285-8585 and ask a customer service rep to cancel your card account. Cardholders can also cancel an account in person at a U.S. Bank branch, or by mail.
Be aware that if there's a balance remaining... show more
The U.S. Bank Platinum does not have purchase protection. This is pretty common, unfortunately. Only around half of the major credit card issuers still offer purchase protection on at least one of their credit cards.
Although the U.S. Bank Platinum doesn't have purchase protection, applying could still make a... show more
To freeze a U.S. Bank Platinum, log in to your online account or the U.S. Bank mobile app and navigate to “Lock or Unlock Card.” You can also call U.S. Bank customer service at 1 (800) 285-8585 and ask them to freeze your card, though it is much easier... show more
Your U.S. Bank Platinum approval odds are good if you have a credit score of 700+, which is considered good credit. Approval odds for the U.S. Bank Platinum will also be influenced by your annual income and existing debts. Applicants will need to be 18+ years old with a... show more
Share your insights and review the U.S. Bank Visa® Platinum Card
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Sierra Rois @sierrar1
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4 Star Rating
I've been using a U.S Bank Credit Card for five years now and I have had very few issues with it. The monthly minimum is very low and manageable. The interest adds up to a couple additional dollars a month. My card is accepted every where. I don't use my card often enough to really receive reward benefits, but that does not bother me much. I use another card a little more and get benefits from that. The customer service is extremely helpful. I've had to call them a few times from companies double charging me for things. Everyone I've talked to has done what I asked and continued to communicate with me to let me know my problem has been resolved. I plan to cancel a few of my cards at the end of the year but my U.S Bank one won't be on that list. The card is too valuable to dispose of anytime soon.
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Allyson Melander @allysonm_2
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5 Star Rating
I recently switched over my bank to US bank as I was having some trouble at my old one. Once doing so I was offered to pick up this card and I decided to take a chance at it. I was approved for the card, and I have been using it since I have received it. So far I have not had any problems at any store with the card. I tend to buy whatever it is I need to buy with the credit card, and then pay it off at the end of the month in order to try and establish better credit. The fees for this card have been really nice and low for me. I have contacted customer service once or twice, due to an error while accessing my card online, and they were really helpful and fast about it. I did not have to wait on hold for longer than five minutes. I would really love to recommend people to get this card if you can, because it is really nice and the fees for it are pretty low for a credit card.
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Mike Water @tomveil1
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5 Star Rating
I recently applied for and got this credit card based on the recommendations of people on this board, and I'm so happy that I did. I had a smattering of other cards that I rarely used that kept low balances. Now I have transferred all my credit card balance to this card, and it's much easier to keep track of. The low interest rate is obviously the big selling point here, but I've found that the customer service is surprisingly good for a 'big bank'. I wish there was more ways to deal with the ins and outs of this card online, but for now the service is adequate enough that I will continue to use the service. I would recommend this card to just about anybody who can get it!
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Crystal Dydell @crystald_11
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5 Star Rating
I used the US Bank Platinum credit card for over 4 years, and I started using it mainly to get my credit up. My credit limit was about $1,000 and my interest rate was right around 10%, which was great for starting out without any credit. It was approved quickly, and my monthly payments were extremely low. I was able to use this card to get my credit up in no time. It is very easy to pay off each month, especially if you do a lot of banking online.
Another nice benefit of the card, is they would email me once a month with special offers for using this card. For example, one of them was $15 off any purchase at Best Buy, or $3 off a purchase at Starbucks. Each month it was a different offer, some of them were great. I would definitely recommend this card to anyone that is looking to get their credit back up, or just to use to pay off some gifts.
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Elouise Nollet @elouisen
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3 Star Rating
I have this credit card from U.S. Bank. It was sent to me with a pre-approval of several thousand dollars and a very low interest rate. I accepted the offer with the plans to consolidate some of my credit cards and husband’s credit cards. After accepting the offer, I was informed that I was not eligible for the interest rate and that the credit limit would only be $500. The interest rate was some competitive and customer service is friendly. I kept the card for emergencies only, but it is seldom that I use it. It is the lowest limit I have and they won’t raise it for some reason. Overall, they are an easy company to deal with and it is an average card.
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Diana Morgan @diana.morgan.73
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5 Star Rating
I have over a dozen credit cards, but the US Bank Visa card is my favorite. I also have my home mortgage with US Bank, so after about a year of making mortgage payments on time, I decided to apply for their Visa card. I actually didn’t think I’d get the card because my credit isn’t that great. But miraculously, I was approved for a credit limit of several thousand dollars, and an interest rate of just under 10%.
I think the reason for that approval and the high credit limit was due to my excellent mortgage payment record from the previous year.
That was three years ago and since then, I have basically cut up all of my other cards (because of their high interest rates and unusually high monthly payments), and just kept the US Bank Visa card. It’s really all anyone with an average income would need.
The customer service at this bank is extremely friendly and helpful. They seem to go out of their way to help you with any sort of banking problem. The interest is low, in comparison to other cards and the minimum monthly payments are the lowest I’ve ever seen. For example, if my balance is $4,000, the minimum payment is only $80.00.
I’d definitely recommend the US Bank Visa card to anyone who’s looking for low rates, low minimum payments and great customer service.
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Amanda Green @amanda.green.98096
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4 Star Rating
I use the US Bank platinum visa card because I bank with US Bank. I like to use this credit card when I don't have any other way of making a payment. The interest rate is 13.99% which is'nt bad compared to other credit cards that charge 20.99%. The only mistake I make when using a credit card , is that sometimes I charge more than what I can pay back at once. So with that said I usally end up paying the minimum payment or a little bit over that amount. Overall this is a good credit card to use and it is very convenient.
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Adrian Półtorzycki @adrian.poltorzycki
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5 Star Rating
US Bank’s Platinum Visa card is truly one type of a card. As a user of this card I found it to be very useful and practical. The high amount that the card lets me use as credit is very useful. Another good thing about this card is that for the first few months there wasn’t any due date so I didn’t have to worry about paying it off on time along with my other cards, cards which I think are in no doubt less superior to this one. With this high amount I could finally replace the old tires on my car, I did not have that amount to spend at the time and I chose to pay it off with this card.
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Vincent Michaels @vincent.michaels.18
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5 Star Rating
U.S. Bank Platinum Credit Card has been nothing but great for me. I will have had the card for 6 months starting in June. The card gives me a pretty good credit limit. It is not too high and it is not too low. It is great for emergency uses, and the fact that there is no maximum or minimum for spending works out great for me. Customer service is very polite and prompt. They will make sure that they help you with anything that you may need help with. The Bank is also great with staying on top of fraudulent activity with accounts. What I mean by that is, they watch out for your account to make sure no one has hacked your account or has stolen your credit card. If they believe something fishy is going on with your account they will immediately freeze it and contact you. That is both good and bad, because when that happened to me it was actually me who was spending and no one had stolen my card, so it just made it a hassle for me, but hey, better safe than sorry. I would recommend this card to anyone out there looking to purchase it.
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