U.S. Bank Visa Platinum Card Review: A Strong Contender for Financing and Transfers

U.S. Bank Visa: 18-mo 0% APR, cell protection, no annual fee.

U.S. Bank Visa Platinum Card Review: A Strong Contender for Financing and Transfers


  • Annual Fee: $0, eliminating the worry of additional costs.
  • Intro APR: Enjoy 0% intro APR for 18 billing cycles on purchases and balance transfers, ideal for managing large expenses or existing debt.
  • Regular APR: After the introductory period, the APR shifts to a variable rate of 18.74%-29.74%.
  • Balance Transfer Fee: Initially, either 3% of the transfer amount or $5 (whichever is greater) for transfers made within the first 60 days of account opening. Post-60 days, the fee increases to 5% of the transfer amount or $5 minimum.
  • Recommended Credit Score: 690-850 (Good - Excellent), targeting users with strong credit backgrounds.


  • Extended 0% Intro APR Period: Offers one of the more generous interest-free windows on the market for new purchases and balance transfers, facilitating easier debt management and large purchases.
  • Cell Phone Insurance: Provides up to $600 protection (subject to a $25 deductible) against covered damage or theft when the monthly cellular bill is paid with the card.
  • No Annual Fee: Keeps the card cost-effective over time, especially after leveraging the intro APR offer.
  • Payment Flexibility: The cardholder can choose a payment due date that best fits their schedule, enhancing convenience and budget management.


  • No Rewards: The absence of rewards or cash-back programs makes this card less appealing for everyday use than others offering bonuses or cash back on purchases.
  • No Bonus Offer: The lack of a sign-up bonus might make this card less enticing than other options offering rewards or bonuses for new cardholders.
  • Limited Additional Benefits: Beyond the 0% APR offer and cell phone insurance, the card lacks additional perks or benefits that can be found with other credit cards, such as travel insurance or dining perks.

Product Summary

The U.S. Bank Visa Platinum Card presents a compelling option for those looking to finance big-ticket items or transfer and pay down existing debt without accruing interest for a substantial period. Its standout feature, the 18-month 0% intro APR on purchases and balance transfers, paired with no annual fee, makes it an attractive offer for financially savvy users. Additionally, including cell phone insurance adds a layer of value uncommon among cards in this category. However, it's important to note the absence of rewards or a sign-up bonus, which means this card may be best suited as a financial management tool rather than a daily spender. The U.S. Bank Visa Platinum Card offers a straightforward, cost-effective solution for individuals prioritizing debt management over rewards accumulation.

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