Credit Cards

U.S. Bank Visa Platinum® Card Review

This in-depth review will determine if the U.S. Bank Visa Platinum® Card is right for you. We cover everything from rewards to fees so you can make an informed decision!

No annual fees, 0% APR for the first 21 billing cycles, and more!

Are you in the market for a credit card that can give you an easy and convenient way to manage your finances? Then look no further than this U.S. Bank Visa Platinum® Card review!

Credit Card

U.S. Bank Visa Platinum®

Simple and Fast Contactless

No annual fee. 0% intro APR for 21 billing cycles.

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This card has zero annual fees, and many other unique benefits. Join us as we dive into this U.S. Bank Visa Platinum® Card review so you can decide if it’s right for you!

Credit Score: Good/Excellent;
Annual Fee: $0;
Regular APR: 0% introductory APR for the first 21 months for purchases and balance transfers. After that, 17.99% – 28.99% (Variable);
Welcome bonus: N/A;
Rewards: Coverage against damage or theft of cell phones up to US$ 600.

How does the U.S. Bank Visa Platinum® Card work?

In this review, we brought the U.S. Bank Visa Platinum® Card. This credit card option is available to people with excellent or very good credit scores.

Furthermore, there is no annual fee associated with it. The card also guarantees a 0% introductory bonus for the first 21 months.

Although it is not a card with benefits, you can get cell phone theft protection. In this way, you can protect your mobile devices from misfortunes.

U.S. Bank Visa Platinum® Card pros and cons

US Bank Visa Platinum® Card benefits — Compare U.S. Bank Visa Platinum® Card pros and cons before deciding. Source: U.S. Bank.

The U.S. Bank Visa Platinum® Card in this review is not a great option for those with daily expenses. After all, you won’t get cashback returns or interesting rewards.

However, you will enjoy the benefit of cell phone theft protection. This way, it keeps your device protected. Moreover, check out this card’s main pros and cons and make your choice.

Pros

It has no associated annual fee;
Very interesting introduction bonus with 0% APR in the first year;
Insurance against theft of mobile devices that pays off;
Flexibility in choosing the date for monthly payment.

Cons

There are no rewards programs like other cards;
There is a balance transfer fee that applies to each transaction;
Demands a high credit score but almost no benefits in return.

Want to apply for the U.S. Bank Visa Platinum® Card?

In this review, the U.S. Bank Visa Platinum® Card has a 0% APR introductory bonus for the first year. In addition, it has protection against cell phone theft.

However, it is important to be over 18 and have a good credit score to apply. Also, know how to apply. Check out all the process below.

Does my credit score need to be good?

A credit score is required to take advantage of everything this review showed about the U.S. Bank Visa Platinum® Card.

After all, a good or excellent credit score is essential to apply for and have your card. That is, you must have a score between 690 and 850 to enjoy the benefits.

However, the lower your score, the higher the associated APR.

Requirements

Here are the eligibility criteria to apply for the U.S. Bank Visa Platinum® Card:

Minimum Age: You must be 18 or older (or the legal age of majority in your state).
Residency: Applicants must have a valid U.S. physical address and reside in the United States.
Identification: A valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN) is required.
Income Information: You need proof of steady income to confirm your payment ability.
Credit Score: This card is designed for individuals with good to excellent credit (typically a credit score of 700 or higher).
Financial History: Your credit history will be reviewed to ensure you demonstrate responsible financial behavior, including on-time payments and manageable debt.

These factors help determine your eligibility and creditworthiness for the U.S. Bank Visa Platinum® Card.

Apply online

US Bank Visa Platinum® Card application — You can quickly apply online for the U.S. Bank Visa Platinum® Card. Source: U.S. Bank.

Applying for the U.S. Bank Visa Platinum® Card is easy and convenient, with everything being done online through the website.

All you need is your financial information, personal data, and Social Security number. The process is straightforward! As a result, you can be approved in as little as 60 seconds.

There’s no need to worry about complex applications or hidden fees. Just apply online, and you’re on your way to enjoying all the U.S. Bank Visa® Platinum benefits.

Apply using the app

To apply for the U.S. Bank Visa Platinum® Card, you must use either a website or an app. Unfortunately, it cannot be done exclusively via the app itself.

You must provide your financial, personal, and security information when applying. It is also important to ensure that you are older than 18 years of age and currently residing in the U.S.

Once your account has been successfully opened, you can easily download and install the app via the respective store on your device and keep track of your finances.

Credit Card

U.S. Bank Visa Platinum®

Simple and Fast Contactless

No annual fee. 0% intro APR for 21 billing cycles.

You will be redirected to another website

U.S. Bank Visa Platinum® Card vs. Aspire® Credit Card

If you’re looking for a good credit card with no annual fee, the U.S. Bank Visa Platinum® is a great option.

With a 0% introductory APR for 21 months on both purchases and balance transfers, it’s a great way to save on interest.

The Aspire® Credit Card also has no annual fee. You can earn 3% cash back rewards on qualifying gas, grocery, and utility purchases and some payments.

Moreover, plus 1% cash back on any other eligible purchase if you enroll in the cash-back rewards program.