Offered by: US Bank

U.S. Bank Visa® Platinum Card

  • 0% Intro APR* on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 9.99%-23.99%
  • No annual fee*
  • Online bill pay for a fast and convenient way to pay bills online with your U.S. Bank Visa® Platinum
  • $0 fraud liability* for unauthorized transactions if your card is ever lost or stolen
  • Fraud Protection detects and notifies you of any unusual card activity to help prevent fraud
  • Online account management and account alerts
730 Average Credit Score Approved for this Card
661 Lowest Credit Score Approved for this Card
Purchase Intro APR Purchase Regular APR Balance Transfer Intro APR Balance Transfer Regular APR
15 Months   15 Months  



9.99% – 23.99%*




9.99% – 23.99%*


Additional Details
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* See the online Provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Take Offer" button, you can review the credit card terms and conditions on the provider's website.

Offer Details:

Cash Advance Rate


Annual Fee


Late Fee

Up to $35

Cash Advance Fee

4%, Min: $10

Balance Transfer Fee

4%, Min: $5

Saving Details

Year 1

Year 2

Year 3

Balance Transfer Cost




Interest Savings on Transferred Balance




Interest Savings on New Purchases




Value of Rewards on New Purchases




Value of Bonus Points




Annual & Application Fees




Total Annual Savings




Total Savings over 3 Years


Credit Card Usage Profile

Transfer a Balance

  • Balance to Transfer: $2,500
  • Monthly Paydown: $600
  • APR: 21.99%

Earn Rewards

  • $1,000 Monthly Spending
  • $45 Gas
  • $75 Groceries
  • $20 Travel
  • $50 Restaurants
  • $50 Entertainment
  • $760 Other

Establish or Build My Credit

Card Details
  • Annual Fee: $0
  • Minimum Deposit: $0

Finance a Large Purchase

  • Initial Purchase Amount: $3,000
  • Monthly Paydown: $60
How We Calculated Your Savings

Credit Karma uses details about your credit card usage and data we have on current credit card offers to calculate how you might save money. These calculations are for illustration purposes only.

Savings are based on Credit Karma calculations and are not endorsed or commissioned by any advertisers. These calculations are for illustration purposes only. If bonus is included in savings estimate, it is assumed offer qualifications are met.

Compare Holders of This Card

U.S. Bank Visa® Platinum Card Cardholder Comparison Coming Soon!

We’re working hard to collect and analyze information about typical cardholders. When we have enough data available, you’ll see charts and statistics about this card, right here on Credit Karma. Check back often for updates!

27 Cardholder Reviews

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.

Most Recent Reviews

Hate this bank Helpful to 2 out of 3 people

Got this card in November thinking it would be a little bump for my credit. Didn't get a statement, so I paid the entire balance on the second of December. Bought a few Christmas gifts on the card and still not knowing the due date, received a letter saying that my credit limit was dropped by 1500, basically maxing me out. I called to find out why and they said it was based on my payment history. Apparently, the payment was due by 7pm the first of every month. I paid the second the first time and usually pay all my bills between the first and tenth of the month. The letter came on the fifth of January. I have tried to talk to customer service about this several times leaving a good contact number and every time I call they say that no one is available to help me but will call me back. On top of that, they never call the number that I provide. Instead, they call my old phone number that now belongs to my teen usually about 72 hours later. Worst choice I ever made opening this account and if you have one, Know that it will screw your credit! If you can avoid it, don't get involved with this card. Customer service is non existent and rather than helping my flourishing credit, there will be a permanent ping on my credit showing that they dropped my balance and that I was maxed out due to it.

Feb 23, 2014
Ruined my credit Helpful to 0 out of 1 people

My credit score was 768 and rising. I got their card and forgot to set up the automatic payment. I know that this was my own fault, but they could have at least called a week or so after I was late and told me I was late? You know, like a courtesy call?? When I realized my mistake, I immediately called them and they told me very sarcastically that there was nothing they could do, that they had already sent the late payment to the credit bureau. My credit took almost a 175 point hit. Yes, one late payment can affect your credit that dramatically. How unfair. I have paid everything off and ontime for decades and one late payment ruins everything. This company has no heart and doesn't give a **** about their customers. 

Jan 30, 2014
Whats the beef?

I applied for a US bank Kroger card, Not expecting to be offered one as my credit score was pretty low I think around 635. They sent me a card with a 500 credit line. After 6 months they increased it to 1500 dollars. I applied for a second card and was approved for 2000 dollars. I pay my bills on time and I thank them for the trust.

homerjdufus's response was:    

  Jan 28, 2014

homerjdufus(1, 0)

Review by homerjdufus

1 Contributions 0 People Helped

Have had this card since 2003 Helpful to 1 out of 1 people

It's my frist card I've ever had when I started to build my credit, I haven't really found anything great about this card with thier cash back program.  I would avoid this card, I wish I would of went with something else for my first card like a Discover IT.  Which is probably the best card I have next to my Amex Platinum. 

ScubaSteve05's response was:    

  Dec 12, 2013

ScubaSteve05(5, 9)

Review by ScubaSteve05

5 Contributions 9 People Helped

Bad card

I have visa platinum for 4 years know and they never increase my credit limit still $500 and i always keep 0 balance , i do not recommend any one to apply for it .  

Nov 24, 2013

See all 27 Reviews of U.S. Bank Visa® Platinum Card

† Credit Karma members have received approvals with these TransUnion New Account credit scores. These approval metrics are only guidelines and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.