U.S. Bank Visa Platinum

U.S. Bank, founded over 160 years ago in Minneapolis, is the fifth largest banking institution in the United States. Three of the company's nine credit cards feature 0% intro balance offers, but the Visa Platinum boasts the longest 0% intro APR, among other benefits.

Find out below why U.S. Bank's Visa Platinum is one of our top choices for an 0% intro APR balance transfer credit card.

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Balance Transfer Offer Details

U.S. Bank's Visa Platinum credit card offers a 0% intro APR for 21 months on balance transfers, matching the longest-available 0% APR balance transfer offer on the market.

Unlike with some competitor balance transfer cards, such as the Citi Simplicity, the 0% intro APR period lasts for the first 21 billing cycles, regardless of when you make your balance transfer. To take advantage of this lengthy 0% intro APR offer, transfer balances as soon as possible after opening the account.

The 0% intro APR is only available for balance transfers completed within 60 days from account opening, another reason to make balance transfers quickly. Each balance transfer has a 3% ($5 minimum) fee.

Once the 0% APR period is over, the variable APR on any remaining balance will be 18.74% to 29.74%, depending on your creditworthiness when you open your account. As is the case with other balance transfer cards, pay off or transfer any remaining balance before the 0% intro APR offer expires to avoid paying interest on the balance.

Purchase Offer Details

The Visa Platinum also offers a market-leading 0% intro APR for 21 months on purchases, starting from the date the account opens. The variable APR on purchases after 12 months will be the same as it is for balance transfers - between 18.74% and 29.74%, depending on creditworthiness.

Benefits

  • Lengthiest 0% APR balance transfer offer and purchase offer on the market
  • Competitive 3% balance transfer fee
  • Up to $600 of cell phone protection against damage or theft (if your cell phone bill is paid with the Visa Platinum)
  • No annual fee

Drawbacks

  • No welcome offer (apart from the 0% intro APR offer)
  • No rewards program
  • 3% foreign transaction fee

Customer Reviews

The Visa Platinum has 4.4/5 stars with over 9,400 reviews on U.S. Bank's website. It is tied for the second-highest rating of the 9 cards U.S. Bank offers, with 3 cards slightly higher at 4.5/5.

The Visa Platinum also has the second highest number of reviews of the 9 cards, coming in behind the Cash+ Visa Signature, meaning it's one of U.S. Bank's most popular credit cards.

Summary

U.S. Bank's Visa Platinum features a market-leading 21-month 0% intro APR on balance transfers and purchases, with a fairly low 3% fee for balance transfers. The 21-month period starts when the account opens, so any balance should be transferred to the card as soon as possible to take full advantage of the 0% intro APR. Balances must be transferred to the card within 60 days of account opening to receive the 0% intro APR.

As is the case with the other credit cards featuring the longest 0% intro APRs, the Visa Platinum doesn't offer many other benefits. This card is best for those looking to take full advantage of the generous 0% intro APRs on balance transfers and purchases.

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