VISA

Visa Platinum

U.S. Bank Visa Platinum Card

Annual Fee

At a Glance

Annual Fee

Authorized User Fee

Foreign Transaction Fee

Network

Visa Platinum

Credit Required

Good to Excellent

Benefits & Perks

Annual Credits

—21-month 0% intro APR

Insurance & Protections

Zero Liability on unauthorized charges

You won't be held responsible for unauthorized charges made in store, online, or via mobile device.

Up to $600 cell phone protection$600

Coverage for cell phones against theft and damage, $25 deductible per claim

24/7 lost/stolen card assistance worldwide

Emergency card replacement and cash disbursement services available 24/7 worldwide for lost or stolen cards.

Reviews & Analysis

Pros and Cons

Pros

+Industry-leading 21-month 0% intro APR on purchases and balance transfers
+No annual fee reduces total cost of debt payoff
+Cell phone protection up to $600 per claim with $25 deductible
+Up to 2 claims per year covering 3 phones for theft and damage
+Accessible to those with fair to good credit
+No penalty APR for first late payment

Cons

-Earns zero rewards on any purchases
-3% balance transfer fee adds to debt payoff cost
-3% foreign transaction fee makes it unsuitable for travel
-High regular APR (18.24%-29.24%) after intro period ends

Details & Terms

Payment Terms

Purchase APR	18.24%–29.24% (Variable)
Cash Advance APR	26.99% (Variable)
Foreign Transaction Fee	3%
Authorized User Fee	$0

Media & Resources

Evidence Sources

Source	Date	URL
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VISA

Visa Platinum

U.S. Bank Visa Platinum Card

Annual Fee

At a Glance

Annual Fee

Authorized User Fee

Foreign Transaction Fee

Network

Visa Platinum

Credit Required

Good to Excellent

Benefits & Perks

Annual Credits

—21-month 0% intro APR

Insurance & Protections

Zero Liability on unauthorized charges

You won't be held responsible for unauthorized charges made in store, online, or via mobile device.

Up to $600 cell phone protection$600

Coverage for cell phones against theft and damage, $25 deductible per claim

24/7 lost/stolen card assistance worldwide

Emergency card replacement and cash disbursement services available 24/7 worldwide for lost or stolen cards.

Reviews & Analysis

Pros and Cons

Pros

+Industry-leading 21-month 0% intro APR on purchases and balance transfers
+No annual fee reduces total cost of debt payoff
+Cell phone protection up to $600 per claim with $25 deductible
+Up to 2 claims per year covering 3 phones for theft and damage
+Accessible to those with fair to good credit
+No penalty APR for first late payment

Cons

-Earns zero rewards on any purchases
-3% balance transfer fee adds to debt payoff cost
-3% foreign transaction fee makes it unsuitable for travel
-High regular APR (18.24%-29.24%) after intro period ends

Details & Terms

Payment Terms

Purchase APR	18.24%–29.24% (Variable)
Cash Advance APR	26.99% (Variable)
Foreign Transaction Fee	3%
Authorized User Fee	$0

Media & Resources

Evidence Sources

Source	Date	URL
—	—	View source
—	—	View source
—	—	View source

Explore More

Browse all card categories →Browse all card benefits →Browse all credit cards →

VISA

Visa Platinum

U.S. Bank Visa Platinum Card

Annual Fee

At a Glance

Annual Fee

Authorized User Fee

Foreign Transaction Fee

Network

Visa Platinum

Credit Required

Good to Excellent

Benefits & Perks

Annual Credits

—21-month 0% intro APR

Insurance & Protections

Zero Liability on unauthorized charges

You won't be held responsible for unauthorized charges made in store, online, or via mobile device.

Up to $600 cell phone protection$600

Coverage for cell phones against theft and damage, $25 deductible per claim

24/7 lost/stolen card assistance worldwide

Emergency card replacement and cash disbursement services available 24/7 worldwide for lost or stolen cards.

Reviews & Analysis

Pros and Cons

Pros

+Industry-leading 21-month 0% intro APR on purchases and balance transfers
+No annual fee reduces total cost of debt payoff
+Cell phone protection up to $600 per claim with $25 deductible
+Up to 2 claims per year covering 3 phones for theft and damage
+Accessible to those with fair to good credit
+No penalty APR for first late payment

Cons

-Earns zero rewards on any purchases
-3% balance transfer fee adds to debt payoff cost
-3% foreign transaction fee makes it unsuitable for travel
-High regular APR (18.24%-29.24%) after intro period ends

Details & Terms

Payment Terms

Purchase APR	18.24%–29.24% (Variable)
Cash Advance APR	26.99% (Variable)
Foreign Transaction Fee	3%
Authorized User Fee	$0

Media & Resources

Evidence Sources

Source	Date	URL
—	—	View source
—	—	View source
—	—	View source

Explore More

Browse all card categories →Browse all card benefits →Browse all credit cards →

Who It's Best For

Best For

✓Paying off high-interest credit card debt with balance transfers
✓Large purchases that need to be paid off over time interest-free
✓Those seeking one of the longest 0% intro APR periods (21 months)
✓Cell phone protection coverage with a no-annual-fee card

Not Ideal For

✗Earning rewards on everyday purchases (this card earns nothing)
✗International travel due to 3% foreign transaction fee
✗Those who pay their balance in full monthly and want rewards
✗Ongoing use after the intro APR period expires

Who It's Best For

Best For

✓Paying off high-interest credit card debt with balance transfers
✓Large purchases that need to be paid off over time interest-free
✓Those seeking one of the longest 0% intro APR periods (21 months)
✓Cell phone protection coverage with a no-annual-fee card

Not Ideal For

✗Earning rewards on everyday purchases (this card earns nothing)
✗International travel due to 3% foreign transaction fee
✗Those who pay their balance in full monthly and want rewards
✗Ongoing use after the intro APR period expires

Who It's Best For

Best For

✓Paying off high-interest credit card debt with balance transfers
✓Large purchases that need to be paid off over time interest-free
✓Those seeking one of the longest 0% intro APR periods (21 months)
✓Cell phone protection coverage with a no-annual-fee card

Not Ideal For

✗Earning rewards on everyday purchases (this card earns nothing)
✗International travel due to 3% foreign transaction fee
✗Those who pay their balance in full monthly and want rewards
✗Ongoing use after the intro APR period expires