USBank Visa Platinum Credit Card: A complete Guide

Unlock more benefits and learn how to apply

Visa Platinum has an excellent introductory offer for credit card purchases and balance transfers, allowing you to save on fees and interest. With this, you can put your financial life in order and, who knows, even pay your debts.

There are certainly other credit cards focused on balance transfer available on the market, but Visa Platinum is an excellent option and you can find out why throughout this post.

Follow along and discover all its benefits, advantages and how to request yours.

How does US Bank Visa Platinum Card work?

While Visa Platinum is focused on allowing you to pay off your balances, it is not intended for people with low credit scores. But because of its great introductory offer, it’s a good option for people who have a balance on their cards.

Because it’s a credit card focused on balance transfer, if you have credit cards with high interest rates, take the opportunity to get rid of it and get a better option.

All you need to do is transfer the amount to your US Bank Visa Platinum and schedule yourself to be able to pay off the entire balance while taking advantage of the introductory APR offer.

Although there aren’t many other benefits besides this one, we suggest you keep reading to learn more about this credit card and how it can help you reorganize your financial life.

If you are looking for a credit card that offers rewards and cashback programs, this is not the ideal option.

CREDIT CARD

US BANK VISA PLATINUM

$0 ANNUAL FEE VARIABLE DUE DATE

APPLY NOW Upon clicking you will be redirected to a new website

What are the main benefits for the US Bank Visa Platinum Credit Card?

One of the main benefits you can count on Visa Platinum is the introductory offer of 0% interest for the first twenty billing cycles.

In addition, the benefits offered by this credit card are:

• Up to $600 protection for your smartphone against theft and damage.
• Variable due date..
• US Bank Extended Pay Plan to help you split eligible purchases worth $100 or more into monthly payments;
• Allows you to track your credit score with free unlimited access to your TransUnion credit scores.

As stated earlier, there is not much to take advantage of this credit card when it comes to rewards and cashback. But the introductory rate of 0% for the first 20 months is a big differentiator, which makes it an excellent card, at least while you’re in that period.

After these almost two years of introductory offers have passed, it may be time to look for another credit card, after all you will have difficulty making large purchases.

How does the intro APR offer work?

You may have noticed that many credit cards offer an introductory offer, with shorter fee periods or no fees at all. However, Visa Platinum stands out for its longer offer period, extending for up to 20 months.

This period is very long and great for those who need to organize their finances and make a big purchase and want to take a break from fees and interest. That way, you can finance the purchase without compromising your finances.

However, one important factor needs to be highlighted. The introductory offer of 20 fee-free billing cycles only happens if done within sixty months of purchasing your credit card. This means that you will continue to pay little during this period, but after that, purchases made will have the usual interest.

Rates and fees for the USBank Visa Platinum

As the 0% interest rate for balance transfers and purchases is only valid for the first 60 days after purchasing the credit card. See other fees charged by the US Bank Visa Platinum credit card:

• 3% or $5 balance transfer fee;
• $40 late payment fee;
• $0 annual fee;
• 14,74% to 24,74% variable APR after promotional period;
• 3% foreing transaction fee.

How to Apply for the USBank Visa Platinum Card

Step 1: Check Eligibility

Before applying for the USBank Visa Platinum Card, ensure you meet the basic eligibility requirements:

• You must be at least 18 years old.
• Have a valid Social Security number.
• Be a U.S. citizen or permanent resident.
• Possess a good credit score, typically 670 or higher, as the card is designed for applicants with good to excellent credit.

Checking your credit score beforehand can help you gauge your chances of approval.

Step 2: Gather Required Information

Prepare the following information to streamline the application process:

• Personal details: Full name, date of birth, and contact information.
• Employment information: Your employer’s name, job title, and length of employment.
• Financial information: Your annual income and monthly housing costs (rent or mortgage).
• Social Security number: To verify your identity and run a credit check.

Having all these details ready will ensure a smooth and quick application.

Step 3: Apply Online

T/he easiest way to apply for the USBank Visa Platinum Card is through the USBank website. Here’s how:

1. Visit the USBank Visa Platinum Card page.
2. Click on the “Apply Now” button.
3. You’ll be redirected to the application form. Fill out your personal, employment, and financial details as prompted.
4. Review the terms and conditions before submitting your application.

You may also apply over the phone or by visiting a USBank branch if you prefer more personalized assistance.

Step 4: Review and Submit Your Application

Before hitting “Submit,” double-check all the information you’ve provided. Any mistakes or inaccuracies could delay the approval process. Once you’re confident everything is correct, submit the application.

Step 5: Wait for Approval

After submitting your application, USBank will review your details and perform a credit check. Approval decisions are typically made within a few minutes for online applicants. In some cases, USBank may need additional time to process the application, particularly if further information or documentation is required.

If approved, you’ll receive your new USBank Visa Platinum Card in the mail within 7-10 business days.

Applying for the USBank Visa Platinum Card is straightforward. By following these simple steps, you can enjoy the card’s benefits, including its low introductory APR, within just a few days. Ready to apply? Head to the USBank website today and begin your application process.

CREDIT CARD

US BANK VISA PLATINUM

$0 ANNUAL FEE VARIABLE DUE DATE

APPLY NOW Upon clicking you will be redirected to a new website