Review: U.S. Bank Visa Platinum Card

What's Hot

Do This or Your iPhone Bill May SkyrocketSave

23 Upgrades Under $50 to Make Your House Look AwesomeAround The House

Trump Worth $10 Billion Less Than If He’d Simply Invested in Index FundsBusiness

11 Places in the World Where You Can Afford to Retire in StyleMore

What You Need to Know for 2017 Obamacare EnrollmentFamily

8 Things Rich People Buy That Make Them Look DumbAround The House

32 of the Highest-Paid American SpeakersMake

Amazon Prime No Longer Pledges Free 2-Day Shipping on All ItemsMore

More Caffeine Means Less Dementia for WomenFamily

9 Tips to Ensure You’ll Have Enough to RetireFamily

5 DIY Ways to Make Your Car Smell GreatCars

30 Awesome Things to Do in RetirementCollege

5 Spots Where Retirees Can Live for Less Than $40,000Real Estate

10 Ways to Pull Together the Down Payment for a HomeCredit & Debt

10 Ways to Reduce Your Homeowner’s Insurance RatesFamily

50 Ways to Make a Fast $50 (or Lots More)Grow

Want a simple card with a 0 percent interest rate? This might be the plastic for you. But then again, maybe not.

This post comes from Logan Abbott, editor of the credit cards section of

It can be tough to decipher the confusing terms of many credit cards. Consumers often fail to read the fine print on the offers, and then are unpleasantly surprised when they get hit with penalties, higher interest rates, and other pesky fees.

The U.S. Bank Visa Platinum Card seeks to simplify terms so cardholders know what to expect.


  • Zero percent intro APR on purchases and balance transfers for 12 months. After the introductory period expires, the purchase APR reverts to a variable rate between 9.99 percent and 23.99 percent, depending on creditworthiness. The lower end of this range is pretty competitive in today’s credit card market.
  • No annual fee. The U.S. Bank Visa Platinum Card doesn’t require an annual fee. 
  • $0 fraud liability. Cardholders receive a $0 fraud liability guarantee for unauthorized transactions if their card is ever lost or stolen. 
  • Free online credit score. Cardholders viewing their account information online receive an Experian credit score at no additional cost. This is a great way to stay on top of your credit report.


  • No rewards program. While the introductory APR period on purchases and balance transfers is great, the card doesn’t offer a rewards program.
  • Balance transfer fee. The 12-month introductory period on balance transfers is super if you want to consolidate debt, but like most cards, the U.S. Bank Visa Platinum Card charges a 3 percent balance transfer fee. The Barclaycard Ring MasterCard, Slate from Chase, and PenFed Promise Visa are three cards that don’t charge a balance transfer fee.

Bottom line

Get it if: You have fair credit, and are looking to pay off significant credit card balances, don’t mind the transfer fee, and like the idea of seeing your credit score free.

Forget it if: You have excellent credit and little to no credit card debt. If that’s you, you should opt for a card with a rewards program.

Follow Logan Abbott on Google+

Note: While we attempt to be completely objective when reporting on credit cards, this site may be compensated by issuers when a reader applies for a credit card through the links within credit card stories or on our credit card search page.

Stacy Johnson

It's not the usual blah, blah, blah

I know... every site you visit wants you to subscribe to their newsletter. But our news and advice is actually worth reading! For 25 years, I've been making people richer without making their eyes glaze over. You'll be glad you did. I guarantee it!


Read Next: How Does Debt Affect Survivors After a Loved One’s Death?

Check Out Our Hottest Deals!

We're always adding new deals and coupons that'll save you big bucks. See the deals to the right and hundreds more in our Deals section.

Click here to explore 1,681 more deals!