Credit Card Review & Application
- 0% Intro APR* on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 9.99%-23.99%
- No annual fee*
- Online bill pay for a fast and convenient way to pay bills online with your U.S. Bank Visa® Platinum
- $0 fraud liability* for unauthorized transactions if your card is ever lost or stolen
- Fraud Protection detects and notifies you of any unusual card activity to help prevent fraud
Online account management and account alerts
|Intro Period:||15 months|
|APR:||9.99% - 23.99% (variable)*|
|Card Category:||Consumer (Premium)|
|Card Type:||- Instant Decision Card|
- Low Interest Credit Card
The US Bank Visa Platinum Card provides individuals with more buying power than other credit cards. The online application process makes it faster to get a credit decision. Basic personal details are requested. It will take minutes to complete the application. Once submitted, a credit decision can be provided in under a minute.
If approved, benefits to the card begin immediately. The card can be received within a week and will need to be activated. Cardholders will learn of their credit line and be able to start making purchases. Visa is accepted all over the globe. The card can be used at gas stations, with millions of merchants, over the internet and over the phone. With the convenience to shop anywhere, many applicants apply for the card each year.
There is no annual fee to own the card. Cardholders will be able to enjoy all benefits without paying for them. The only fee involved with the account is the interest fee. The APR is variable based upon a person's credit history. The interest rate can be avoided as well if the balance is paid in full from month to month.
Bills can be paid online. For added convenience, individuals can log onto the US Bank website. From there, it will be possible to pay bills online. These can be scheduled in advance, ensuring payments aren't late. It will also save the need to buy postage stamps.
Online account access is an added feature. Cardholders can manage their finances more effectively. The website can be accessed 24/7. Account balance and credit limit can be viewed. Past transactions can be looked up. Statements can be viewed, downloaded and printed. Customer service can be contacted. The many features can always be accessed online for convenience.
Cardholders who use the internet banking service can get their credit score. The Experian credit score can be referenced at no extra cost. This feature makes it possible to track credit scores for improvement. The score can be accessed at all times.
Auto rental insurance is provided for free with the card. All cardholders are able to benefit from insurance coverage on rental cars. The collision damage waiver option can be declined from the rental company. The insurance will cover theft and collision. It will also save money anytime a car is rented.
Fraud protection is also provided on the Platinum Visa. Unusual card activity will be tracked. Any time something out of the ordinary appears, the cardholder will be notified. If there is ever a charge that wasn't authorized, the cardholder will not be held responsible for the charges.
|Other Benefits:||- Free Online Account Access|
- Pay Your Bills Online
- Auto Rental Insurance
- Fraud Protection
|Online Account Access:||Yes|
|Applied Towards:||Purchases, Balance Transfer|
|Introductory Period:||15 months*|
|APR on Purchases:||9.99% - 23.99% (variable)*|
|Grace Period:||24 - 30 days*|
|Min Finance Charge:||$2.00|
|Late Payment Fee:||$35.00*|
|Over Limit Fee:||$35.00|
|Transfer Fee (%):||3.00%|
|APR Cash Advances:||23.99%|
|Cash Advance Fee:||4.00%|
|Additional Fees||- Convenience Check fee: 3% of each check amount, $5 minimum.|
- Cash Equivalent fee: 4% of each cash amount, $20 minimum.
- Foreign Transaction fee: 2% of each foreign purchase transaction or foreign ATM advance transaction in U.S. Dollars. 3% of each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency.
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† The information provided for US Bank Visa Platinum Card is believed to be accurate at the time of evaluation (Feb 10, 2014). We strongly advise visitors to review the terms and conditions to verify accuracy of the information posted prior to applying for the product.