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U.S. Bank Visa Platinum Card: $0 annual fee and intro APR for 21 cycles!

The U.S. Bank Visa Platinum card offers key benefits like a $0 annual fee and 0% introductory APR for 21 billing cycles.

The bank provides its Visa card with support for building credit scores and managing payments over time with U.S. Bank ExtendPay. See how to apply.

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U.S. Bancorp is a publicly traded company in the U.S. market that has been operating for over 50 years. It offers a range of services, with the primary one being U.S. Bank, which includes banking accounts, investments, and credit cards.

The U.S. Bank Visa Platinum is designed for those looking to build or rebuild credit, as it is a low-cost maintenance product with no fees and an introductory APR typically aimed at consolidating other debts into the bank. 

The U.S. Bank comparison tool allows you to compare different cards in the market, checking rewards and welcome APRs for up to 3 cards.

You can use the U.S. Bank card to improve your credit score through the U.S. Bank Secured Visa, with exclusive tips to boost your FICO score and achieve bigger goals with your credit cards.

In 2021, the card won the award for Best Credit Card with 0% Introductory Interest by NerdWallet.

Overall, since this is an entry-level credit card for those who want to build or start their credit journey, the limit starts at $500 but can increase significantly based on the conditions provided by the cardholder.

No, the card does not offer cashback rewards for new users. However, it does offer a 0% introductory APR for up to 21 billing cycles.

The U.S. Bank Visa Platinum does not charge an annual fee to its holders but may have other fees for money transfers and late payments.

According to U.S. Bank, to access the Visa Platinum credit card, you typically need to have a credit score ranging from good to excellent.

Yes, U.S. Bank offers the option to apply directly through the bank’s digital channels, with a quick and effective response.

In terms of security, the card provides up to $600 in coverage for damaged or stolen cell phones, and it also includes ID Navigator technology by NortonLifeLock to keep you informed about threats that could steal your identity.

In this sense, it is a great option to start building credit comfortably and securely wherever you are.

Want to learn another option?

If you’re looking for a card with rewards benefits and a welcome offer for new cardholders, you might want to consider the Citi Double Cash Card in the U.S. market.

The card is more comprehensive in terms of benefits and could suit different profiles well. You can find out exactly how to apply for this credit card.

Gabriel Gonçalves
Written by

Gabriel Gonçalves

Writer with over 10 years of experience specializing in finance and education. Master's student in Communication and an expert in online content production.