Credit Card Articles

Buying Power With The US Bank Visa Platinum Card

November 1, 2012 by CreditCardsCo™

Getting a great card with a lot of buying power is important. You can enjoy a no annual fee card with a great APR and a generous credit line. The online application for the US Bank Visa Platinum Card will take minutes, letting you get closer to enjoying a high quality card.

The Power of MasterCard

You have the power of MasterCard sitting in your wallet. When you want to make a purchase anywhere in the world, it will be easy to do. The card is widely accepted by millions of merchants. You can purchase at the pump, at the grocery store and at various other locations. You can make purchases over the phone for travel, entertainment and other purposes. You can also use the card online to complete purchases for various items.

With the Platinum aspect, you have more spending power. Higher limits allow you to spend more money and pay it back at your convenience. The APR that is established on your account will depend on your credit score. When you receive your bill each month, you have two ways to pay for your purchases. You can pay in full to avoid interest. You can also choose to pay a portion and the remainder roll-over.

Benefits Of The Platinum Visa

A number of benefits exist with the Platinum Visa. It's imperative that you understand all the features you get with the card. Plus, it's important to remember that there is no annual fee. This means you get the below without paying anything additional for them:

  • Fraud protection
  • 24/7 customer service
  • Online account access
  • Rental insurance
  • Concierge service
  • Updated credit scores

The fraud protection ensures you don't pay for transactions you didn't make. If your account is tapped into fraudulently, the transactions will go away and a new account will be established for you. Further, your account is always being monitored for suspicious activity. This helps to prevent your identity and your credit.

Customer service works around the clock to answer questions for you. Live representatives can be reached with a toll free number. If you have a question about a charge, your bill, an account feature or anything else, you can pick up the phone at your convenience to ask a knowledgeable person. There is also an automated menu on the toll free number that allows you to get quick account details.

Online account access is for your benefit. You can budget your money more effectively when you know where your money is being spent. You can view statements and look up previously made transactions. Your account balance and available credit line can be viewed instantly. The secure connection allows you to make payments to your account and contact customer service as well.

Rental insurance is another feature on the card. You will get protection for collision and theft on a 24-hour basis when you rent a car using your US Bank Visa card. This will save you money when you rent cars. You have the ability to decline the coverage offered to you from the rental company. There is no additional cost to get this insurance.

A personal concierge comes complimentary with your credit card as well. If you need help booking tickets to a show, learning about things to do in a city, booking a hotel or anything else, you can call a special toll free number. A representative will find out what you need assistance with and put you into connection with the right people. This can save you a lot of time and energy when you are going anywhere or trying to take care of certain tasks.

You can stay on top of your credit easily. If you have questions about your credit, you can look online. All internet banking customers can see their Experian credit score. If you monitor this number monthly, you can impact how it goes up and down. When you're trying to improve your credit, being able to view this at no cost and frequently can be of great assistance.

Final Word

When you're ready for a card that's packed with features, this US Bank Visa Platinum Card is easy to apply for. After completing the online application, you can find out if you've been approved within minutes. Once you get the card, your benefits begin immediately.

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