⭐ Editor's Choice — Top Rated Pick
U.S. Bank Visa Platinum® Card
📍 Available in: US
★★★★★ 4.7 / 5.0
When planning a major life expense—such as buying furniture, funding a home project, paying out-of-pocket medical expenses, or moving across the country—the U.S. Bank Visa Platinum Card is an unbeatable financial safety net. It offers a market-leading 21 billing cycles (nearly two full years) of 0% introductory APR on both new purchases and balance transfers.
Key Facts at a Glance
| APR / Rate | 18.74% - 29.74% Variable APR |
| Credit / Eligibility | Good to Excellent (670+ FICO) |
Pros & Cons
✓ Pros
- ✓Longest 0% intro APR window available anywhere in consumer banking (21 cycles)
- ✓Applies to BOTH new purchases and balance transfers
- ✓Cell phone insurance included when paying your monthly wireless bill with the card
- ✓No annual fee
✕ Cons
- ✕Does not offer any cash back, points, or miles rewards program
- ✕No sign-up welcome bonus
- ✕3% balance transfer fee and 3% foreign transaction fee
Key Features
0% Intro APR for 21 Billing Cycles on Purchases & Transfers$0 Annual FeeUp to $600 Cell Phone ProtectionFree TransUnion® CreditView™ Score AccessZero Fraud Liability Guarantee
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