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At a Glance
The U.S. Bank Visa Platinum Card is ideal for cardholders looking for a lengthy 0% APR period on purchases and balance transfers. Emergencies and unexpected bills can easily arise, and a 20-month period of no interest on purchases and balance transfers will give cardholders a good chunk of time to get their finances in order.
Ideal for Those Who:
- Want an excellent 0% intro APR for 18 months
- Don’t want to pay an annual fee
- Are planning on making a significant purchase and want to pay off the balance over time
- Want to pay off existing credit card debt without interest
U.S. Bank Visa Platinum Card Review
The U.S. Bank Visa Platinum Card provides the low APR purchasing power you need to handle what life throws at you. The card comes with an impressive 0% introductory APR for the first 18 months on purchases and balance transfers, followed by a variable APR several percentage points below the national average for those with exceptional credit.
Eighteen months of no interest on purchases and balance transfers make the U.S. Bank Platinum Visa a potent tool to keep in your wallet. The year and half of no interest allow you to use the card to conduct a balance transfer, helping you pay down existing credit card debt over time. The introductory APR period also allows for the possibility of making significant purchases and using the 18 months to gradually pay off the balance, thus alleviating any potential burden on your budget, but without the fear of interest accumulating.
Cardholders can also expect the usual protections and benefits from Visa, including comprehensive fraud protection, 24/7 account access, and the choice of autopay and “choose your own payment date” options. Cardholders also receive cell phone protection when they sue their U.S. Bank Platinum Visa to pay their monthly bill, plus complimentary access to their TransUnion credit score each month.
Should You Apply for the U.S. Bank Visa Platinum Card?
There are a lot of very good balance transfer credit cards on the market, but there aren’t many cards better than the U.S. Bank Visa Platinum Card. 0% introductory APR for 18 months is tough to beat, as is the very competitive typical APR for those with excellent credit scores after the intro period closes. With the added benefit of no annual fee, this is a card that deserves a spot in your wallet.