My Saved Cards
Welcome to My Saved Cards
Save and compare credit cards to find the best fit for you. All you need to do is find cards you like and check the Compare This Card box. When you’re ready to review, click the compare button that appears in this menu.

U.S. Bank Visa® Platinum Card

Offered by: U.S. 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
  • Zero 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 keep your account safe
  • Chip technology for enhanced card security
  • Online banking and mobile apps* for your smartphone or tablet provide complete, 24/7 access to your account

Average Approved Score Purchase Intro APR Purchase Regular APR Balance Transfer Intro APR Balance Transfer Regular APR
Typical Low: 548
Typical High: 792
15 Months   15 Months  


9.99% – 20.99%*


9.99% – 20.99%*





Additional Details

Click here for Additional Details

* 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


Annual Fee


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




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.

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!

37 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

I Was Approved For This Credit Card.

First Yes! My US Bank Cash Rewards Visa Credit Card.
I Just Paid Off My Balance In Full. Yes. This Was A Situation.

Between This Card and My New Gold Checking Account

I Have Been On The Phone With These People Double Dozens Of Times Now.


Yes. Over The Phone I Was Approved. YES. I FULLY WAS.


Okay...Well NO!

They Cowardly Denied Me Right Straight Behind My Back.

I Received A DENIAL REJECTION Notice In The Mail. Yes.

I Called and No One Cared. Me: "You Record All Of These Phone Calls Correct!?"

I Was Given No Hlep Whatsoever. No.

Okay So I Just Re-Applied For This Visa Platinum Card Again.

Yes. Over The Phone. I Am Waiting Now.

1. I Never Applied For This Credit Card To Begin With.

2. This Card Was Offered To Me Yes! and Was Approved! After He Told Me:

3. I Was Denied For The PERKS Credit Card and Not For The PLATINUM Though.

4. I Never Even Ever Applied For The PERKS Credit Card. I Do Not Even Like The Word PERKS.


Yes. Stating "TECHNICAL ERRORS." With Their Forms Producing and Recording

My Bank Of America Checking Account Routing Number Correctly.

I WAS SO ALL NEVERVED UP...I Accidentally Next! Edited My Bank Of America Checking Account Number

In My Notepad and This Was Wrongly Copied and Pasted On In Next. Yes. Two Errors With Problems Now.

This Credit Card Bill Was $1,000 Credit Limit Entirely Paid Off By Me.

Yes. I Fixed My End Or These Errors and Yes! I TOOK CARE OF MY BUSINESS FULLY and COMPLETELY SO. LOL.

Yes. I Am Still Waiting Right Now For My Platinum Credit Card Applicatiuon Decision Probably Denial.


JOEYALIZIOJR's response was:    

Jul 22, 2015
Great Helpful to 1 out of 1 people

Very good. Pay when due pay early 

generous3837's response was:    

Jun 29, 2015
No different than any other card! Helpful to 4 out of 4 people

Applied for the card with a 745 Credit score and was only approved for $1000, asked the representative why was the limit so low, when they state they give generous credit lines.  She stated that I can request for a higher credit line and it was approved to $4000.  I'll see how it goes for the next year, by not charging too much on it, but maybe have my netflix account, Transunion, and Experian reports charged to it monthly and pay the bill in full.  We'll see what they do after 6 months to a year with a credit line increase.

ricricardoford's response was:    

Jun 27, 2015

crudolph76(4, 15)

denied due to bankruptcy Helpful to 2 out of 2 people

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

nayiel(1, 7)

unbelievable !!! Helpful to 7 out of 8 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

See all 37 Reviews of U.S. Bank Visa® Platinum Card

† Credit Karma estimates your Approval Odds by comparing your credit profile with data about other members who were approved for this product. Though Approval Odds do not guarantee approval, they can show you which products may be a better fit for 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 January 2015 through June 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.