0% intro APR

For a limited time, get a special 0% introductory APR* on purchases and balance transfers for 24 billing cycles. That's two full years without interest! After that the APR is variable, currently 15.24% to 25.24%.

No annual fee

Enjoy great benefits with no annual fee.

Buy now, pay later.

Divide large purchases into fixed monthly payments with U.S. Bank ExtendPay™ plan.** Pay no interest,* just a small monthly fee.

Your credit score

View your credit score anytime, anywhere in the mobile app or online banking. It's easy to enroll, easy to use and free to U.S. Bank customers.1

Auto pay & due date choice

Avoid interest and late fees with automatic payments that put you in control. Pick a payment due date that works for your schedule.2

ID Navigator Powered by NortonLifeLock

Get tools to help keep you informed of threats that may affect your identity.3

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Cell phone protection

Receive up to $1,200 of annual coverage for damage or theft when you pay your monthly cell phone bill with your card.4

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Apply for the card that earned Nerdwallet’s Best-Of Award for 2021.

Nerdwallet 2021

Awarded Best 0% Intro APR and Balance Transfer Credit Card

 

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Frequently asked questions

The U.S. Bank Visa Platinum Credit Card typically offers our best and longest introductory APR offer on purchases and balance transfers.

There is no annual fee on the U.S. Bank Visa Platinum Credit Card.

U.S. Bank ExtendPay plans provide a new payment option that allows you to divide eligible credit card purchases into affordable monthly payments with no interest – just a fixed monthly fee.

If your credit card account is eligible for an ExtendPay plan, you'll receive a notification via email, or you'll see ExtendPay plan options when viewing your card account details or eligible transactions online. The only purchases eligible for an ExtendPay plan are those that were made within 60 days prior to signing up for ExtendPay, are over $100, and are less than your purchase balance when you sign up for ExtendPay.

ExtendPay plan eligibility may change based on your credit card account activity.

Looking for a credit card with different benefits?

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Use our comparison tool to compare benefits like rewards, APR and welcome offers for up to three cards.
 

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Build or reestablish credit.

Build credit for the future with the U.S. Bank Secured Visa® Card.
 

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Disclosures

U.S. Bank may change APRs, fees and other account terms in the future based on your experience with U.S. Bank National Association and its affiliates as provided under the Cardmember Agreement and applicable law.

* The 0% introductory APR applies to purchases and is valid for the first 24 billing cycles. The 0% introductory APR applies to balance transfers made within 60 days of account opening and is valid for the first 24 billing cycles. The introductory rate does not apply to cash advances. Thereafter, the APR may vary and as of June 17, 2022 the undiscounted variable APR for Purchases and Balance Transfers is 15.99% to 25.99% based on your creditworthiness. The variable APR for Cash Advances is 27.49%. Cash Advance fee: 5% of each advance amount, $10 minimum. Convenience Check fee: 3% of each check amount, $5 minimum. Cash Equivalent fee: 5% of each cash amount, $20 minimum. Balance Transfer fee: 3% of each transfer amount, $5 minimum. There is a $2 minimum interest charge where interest is due. Annual fee: $0. 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. When you make a payment, the amount up to your Minimum Payment is applied first to the monthly payment obligation for U.S. Bank ExtendPay™ Plans and U.S. Bank ExtendPay™ Loans if any, and then to non-Fixed Payment Program balances in the order of the lowest to highest APR. Any amount over your Minimum Payment is applied to balances in the order of highest to lowest APR.

U.S. Bank ExtendPay™ Fees: A monthly fee not to exceed 1.6% of the original principal amount in a U.S. Bank ExtendPay™ Plan or U.S. Bank ExtendPay™  Loan. This fixed fee is disclosed upon enrollment and charged each month that you owe the applicable ExtendPay balance. ExtendPay Fees are calculated based upon the original principal amount, Purchase APR, and other factors.

** From time to time we may offer to you the benefit of our U.S. Bank  ExtendPay™ Plans, which allow you to pay off balances in fixed monthly payments over time and still avoid paying interest charges on new Purchases.

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  1. Free credit score access, alerts and Score Simulator through TransUnion's CreditView™ Dashboard are available to U.S. Bank online and mobile banking customers only. Alerts require a TransUnion database match. It is possible that some enrolled members may not qualify for the alert functionality. The free VantageScore® credit score from TransUnion® is for educational purposes only and not used by U.S. Bank to make credit decisions.

  2. Not all payment due dates may be available. If approved, please call the number on the back of your card for further information.

  3. No one can prevent all identity theft.

  4. Certain terms, conditions and exclusions apply. In order for coverage to apply, you must pay your monthly cellular wireless bill with your Platinum Card. Please visit usbank.com/cellphoneprotection to view your Guide to Benefits and for further card benefit details including full terms and conditions.

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The Contactless Symbol and Contactless Indicator are trademarks owned by and used with the permission of EMVCo, LLC.

The creditor and issuer of this card is U.S. Bank National Association, pursuant to a license from Visa U.S.A. Inc., and the card is available to United States residents only.

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