U.S. Bank Visa® Platinum Card Reviews

Approval Odds

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2.5 out of 5 stars
8 Reviews

From Cardholders in the last year

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Application Process

3.5 out of 5 stars

Customer Service

3 out of 5 stars

2.5 5

Most Helpful Positive Review

Jun 27, 2015
No different than any other card!
ricricardoford Cardholder

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.

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Most Helpful Negative Review

Nov 20, 2012
Changed agreement after 3 months
joelg1988 Cardholder

Opened account in July of this year with no annual fee. Yesterday I got a letter from them that they will start charging me an annual fee of $39. I have put about $1000 on this card in the last 4 months so they gave me the option of accepting the annual fee or closing the account, but they know better I still owe them $1000!! They nailed me good, because they know I won't close acccount since I owe them and will not have the money cash to pay off what I owe them. What a shame.

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These reviews were written by current and former cardholders in the last year.

Jun 05, 2017
The 0% offers are a scam
Anonymous Cardholder

The 0% balance transfers are good only if you use one transfer per year.  Case in point.  I used a 0% balance transfer in 10/17.  I planned on paying that off by 10/18.  However, I used another transfer check in June, 2017.  When I started paying extra beyond the minimum due to deplete the earlier balance, the extra payment actually goes to the latest balance transfer.  So unless I pay off the newest transfer in 4 months, and the old one as well, in October the first balance transfer will go up to 15%.  The more recent one which we be paid off in 4 months will now equal a 12% annual interest since I already paid 4% for the priveledge of the transfer.  Two other banks that I used 0% transfers with actually apply additional principal toward the oldest transfer balance first.  BIG SCAM and shame on US Bank.  That part of the repayment plan is not shown on the paperwork that they send with the balance transfer checks.  

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Jun 04, 2017
An old scam credit card
Anonymous Cardholder

Minimum payment online different  than bill resulting in penaltys. Bill receives late by mail resulting in late payment fees. 

Need to just cancel I guess>

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May 01, 2017
Ridculously Low Limit Card
hoodun Cardholder

I have an average of $8k per card on all my other cards, a 700+ score, and US Bank has not budged me past $1k after 7 years. Complete waste. I can't make any sort of purchase without going into high utilization so it just remains empty. This card has done nothing but hurt my credit. If you are fresh out of high school and building credit this may be the card for you. Otherwise, do not waste your time. US Bank does not have the means to loan to anyone.

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1 Reply
May 14, 2017

So obviously you haven't requested a credit line increase in 7 years...your fault not the banks.....and US Bank does have the means to loan to tons of people....you just have to ask

Apr 06, 2017
Do not do business with US bank!
hellolin Cardholder

Reward does not get posted, their website also do not update the amount paid right away, has worst technology and service than my local credit union, what a disgrace!

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Nov 05, 2016
don't get it trust me!!
Anonymous Cardholder

I have pay my balance on my account and they still charging me (interest charge on purchases) and I have not use my card for five months its almost $213...

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Nov 01, 2016
Pain free application process.
Anonymous Cardholder

Approval decision was quick and the representative was knowledgeable, courteous and helpful.

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Sep 04, 2016
Love this card, wonderful service!'
Anonymous Cardholder

This is a wonderful card with great interest rates!!! Love the professional and friendly service I always receive from US Bank!!  Highly recommend this card!!

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Aug 19, 2016
great card
Anonymous Cardholder

started with 1000 limit with 640 credit score in 2012 now in 2016 i have a 14000 limit and credit score of 760

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U.S. Bank Visa® Platinum Card