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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%-20.99%
  • 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

Average Approved Score Purchase Intro APR Purchase Regular APR Balance Transfer Intro APR Balance Transfer Regular APR
677
Typical Low: 554
Typical High: 791
15 Months   15 Months  

0%

9.99% – 20.99%*

0%

9.99% – 20.99%*

 

Variable

 

Variable

Additional Details

Click here for 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 "Apply Now" button, you can review the credit card terms and conditions on the provider's website.

Offer Details:

Cash Advance Rate

23.99%

Annual Fee

$0

Late Fee

Up to $38

Cash Advance Fee

4%, Min: $10

Balance Transfer Fee

3%, Min: $5

Saving Details

Saving Details

Year 1

Year 2

Year 3

Balance Transfer Cost

‑$527

$0

$0

Interest Savings on Transferred Balance

$4,051

$2,640

$1,516

Interest Savings on New Purchases

$1,676

$2,929

$5,230

Value of Rewards on New Purchases

$0

$0

$0

Value of Bonus Points

$0

$0

$0

Annual & Application Fees

$0

$0

$0

 

Savings

Total Annual Savings

$5,200

$5,568

$6,746

Total Savings over 3 Years

$17,515

Credit Card Usage Profile

Transfer a Balance
Edit
  • 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.

Note: Sample data consists of Credit Karma members who hold this card.

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!


34 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

denied due to bankruptcy

If you've declared bankruptcy in the past 5 years, forget about any credit card from US Bank.  You can only get a secured card through them with an annual fee and a very low credit limit.  That's their policy.  

FWIW; applied with a 650/660 CK.  I started out with a Capital One secured card last August (2014) and not long after was approved for a unsecured one through Capital One.  I then got a Barclay Rewards Card, Amazon store credit, then soon after I applied and was given a PayPal Rewards cc with a $2000 CL.  

Take your time and rebuild, but don't bother with banks that don't offer credit after bankruptcy.  

crudolph76's response was:    

 
Apr 01, 2015

crudolph76(4, 7)

unbelievable !!! Helpful to 4 out of 5 people

i have a 750 credit score ! my wife's is 805 ! with a joined income of 120k a year ! for the second time in two years we applied for a joint credit card account !

we got rejected ! U.S. bank didn't even check the credit history or employment !  what kind of criteria they use to determine credit worthiness ? im about to

start believing my friend when he says that maybe because my wife and i had funny names, we got denied ! 

nayiel's response was:    

 
Jan 26, 2015

nayiel(1, 4)

it's an OK Credit Card Helpful to 1 out of 3 people

Just dont get behind and it will be a great card to carry around.  Nothing but good experience having this card.

ARMYOIFVETERAN2003's response was:    

 
Jan 25, 2015

ARMYOIFVETERAN2003(14, 78)

Top Contributor

So far so good! Helpful to 1 out of 2 people

CK 620 ;  APPLIED FOR THIS CARD, WASNT INSTANTLY APPROVED LIKE THE FIRST TIME AROUND WITH MY OTHER US BANK CASH REWARDS CREDITCARD. CL 1K, I ALSO HAVE THE US BANK CASH REWARDS VISA WITH A CL OF 1K ALSO. SO NO COMPLAINTS SO FAR ALTHOUGH IF U DO A CASH ADVANCE ONLINE, THEY WILL CHARGE U A $10 FEE, OH WELL. I WILL SEE HOW IT GOES. IM HAPPY WITH THEM BECAUSE NO OTHER BANKS WOULD APPROVE ME!

BoyceKingdom's response was:    

 
Dec 28, 2014

BoyceKingdom(7, 16)

See all 34 Reviews of U.S. Bank Visa® Platinum Card

† These Approval Odds represent Credit Karma's estimation of how likely you are to be approved for a product based on a comparison of your profile with data about Credit Karma members who have been approved for the product in the past (if available). There is no guarantee that you will be approved by the lender or that credit will be extended to you.

‡ Average score refers to the arithmetic mean, typical low score to the 5th percentile and typical high score to the 95th percentile of, in each case, available VantageScore 3.0 credit scores provided by TransUnion of Credit Karma members who were approved for this product from October 2014 through March 2015. Average and typical approved scores are provided as guidelines only and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.