Info about U.S. Bank Visa® Platinum Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
%APR464Reviews85Q&AContact
APRWalletHub ReviewQ&ACustomer Reviews
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit
Annual Fee
$0
APR on Purchases
0% intro APR for 20 billing cycles, 16.74% - 26.74% (V) APR after that
Balance Transfer
0% intro APR for 20 billing cycles, 16.74% - 26.74% (V) APR after that
0% Intro APR on purchases and balance transfers for 20 billing cycles. After that, a variable APR currently 16.74% - 26.74%.
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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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Choose a payment due date that fits your schedule
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No Annual Fee
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Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
Can't find what you are looking for? Submit your question about U.S. Bank Visa® Platinum Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card.
The best U.S. Bank Visa® Platinum Card promotion is an introductory APR of 0% for 20 billing cycles on purchases. Cardholders do not need to do anything specific to take advantage of this U.S. Bank Platinum promotion, as it applies automatically. There are a few other notable U.S. Bank Platinum promotions to take advantage of as well.
U.S. Bank Platinum Promotions for August 2022
An introductory APR of 0% for 20 billing cycles on purchases
An introductory APR of 0% for 20 billing cycles on balance transfers
Credit card promotions change often, so if you see something you're particularly interested in, you should consider applying for the U.S. Bank Platinum to take advantage of the offer while it's available. Another factor in your decision to apply should also be whether this card will continue to be worthwhile even after its limited-time promotions end.
Share your insights and review the U.S. Bank Visa® Platinum Card
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3.7
464 reviews
464 reviews
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William Reyes @williamreyesn
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5 Star Rating
I have been a US Bank customer for 7 years now, and I am really impressed with their unbeatable customer service. I have the US Bank Visa Platinum Credit Card, and I find it really convenient, and it helps build a good credit score. I really liked the introductory 0% interest rate for more than a year, and the non-existent annual fee. I also love the $0 fraud liability because you can't never be too careful when shopping online, for example. Another great thing about this card is that I get alerts for suspicious activity in my card, and I can pay it anytime online. For all these reasons, I will continue to use this card.
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Allen Kenda @allen.kenda.7
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4 Star Rating
This card is pretty good, honestly. In a tight spot, It's what helps get through a few days until I have actual money instead of just a line of credit. It's pretty awesome that It's tied into my US bank account as well, making thing way easier and requiring less annoying micromanagement on my part. Seriously, micromanaging this kinda thing would probably drive me crazy, and would only get worse as time went on. It looks really cool too. I mean hey, who doesn't like a shiny card? Looks good in the wallet, makes purchases easy, and is tied up into one neat little package.
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Steven Dison @swdison1
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5 Star Rating
The US Bank Platinum Credit Card is fantastic. I like how it's connected to the rest of my US Bank account, so that I can easily pay bills for it. It's incredibly easy. It also has a respectable interest rate that is lower than most of the other offers I get from credit card companies. I don't know what I'd do with out my US Bank Platinum card! On a side note, I even like the look of it. I know it's fairly superficial, but it still makes it even better. Who wouldn't want a platinum card? Then again, I wouldn't mind a black one, but platinum is certainly up there in terms of quality and elegance.
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Jessica Robbeloth @jessica.robbeloth
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5 Star Rating
The US Bank Visa Platinum Credit Card is my one and only card. I use it for everyday: grocery shopping, eating out, and for those bigger ticket items. I love that there is no annual fee for this card and by making my low monthly payments on time, I'm not charged outrageous interest charges. Visa is accepted everywhere and I've never been denied when using this card. I also love the convenience of doing my banking online. When I see an inconsistency on my billing statement online, I know that I can just pick up the phone and call the customer service and they will quickly help me. The customer support is so helpful and always alert me of suspicious activity and protect me from fraud. This is the only card I need and I tell my friends whose wallets are full of other credit cards to just get one like mine.
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3
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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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