U.s. Bank Visa® Platinum Card Review With Pro & Cons – 21 Points

1. Us bank visa platinum card is a great choice If you are interested in avoiding interest charges. It offers lengthy 0% intro apr period with $0 annual fee. Pick something else if you are interested in rewards and bonus.

Pros

Cons

Intro apr on purchase and balance transfer

No Rewards

No annual fee

No sign up bonus

Cellphone insurance

3% Foreign transaction fee

Flexibility to choose a payment due date

Balance Transfer Fee

Free Credit Score and Reporting Tools

 

No Penalty APR.

 

2. Intro Apr On Purchase:

0% intro APR on purchases for 18 billing cycles

3. Intro Apr On Balance Transfer:

0% intro APR on balance transfers for 18 billing cycles

4. Annual Fee:

$0

5. Reward Rate:

N/A

6. Sign Up Bonus:

N/A

7. Regular Apr:

14.74-25.74% (variable)

8. Balance Transfer Fee:

3% Minimum $5

9. This card is good for longer intro apr period and cellphone protection.

10. This card is not for earning rewards or sign up bonus.

11. Foreign Transaction Fee:

3%

12. Max Late Fee:

$39

13. Cash Advance Apr:

25.99% Variable

14. Cash Advance Fee:

4% Min $10

15. Smart Chip:

Yes, Chip and signature

16.Other Details:

Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your U.S.Bank Visa® Platinum Credit Card.
Flexibility to choose a payment due date that fits your schedule.
0% Intro APR for balances transferred within 60 days of account opening.
Fraud protection
Free credit score
Auto rental insurance
Autopay

17. Credit Needed:

Good 690 – 717

18. Customer Experience:

24/7 customer service?: Yes
Online chat available?: Yes
Google Play Store mobile app rating: 2.9/5
Apple Store mobile app rating: 4.8/5

19. Get U.s. Bank Visa® Platinum Card:

If you want long intro apr on new purchases and balance transfer.
If you want perks like cellphone protection.
If you are more interested in 0% intro apr than earning rewards.

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