U.S. Bank Visa® Platinum Credit Card Review

Best for: people who want the convenience of using Apple Pay, Google Pay or Samsung Pay

The U.S. Bank Visa Platinum card comes with a very attractive introductory offer and has a few features that busy professionals look for to manage their fast-paced lives. The card has few frills but is reliable and widely accepted. If you only need a credit card for emergencies, or want to transfer your balance from another card, look no further.

The basics of the U.S. Bank Visa® Platinum Credit Card

  • APR:  14.49%-25.49% variable
  • Annual Fee: $0
  • Reward Rates: No rewards.
  • Intro Offer: APR 0% for the first 18 billing cycles. The 0% offer does not apply to cash advances, which incur a 25.99% interest rate. The cash advance APR can vary, based on the Prime Rate.

The U.S. Bank Visa® Platinum’s standout features

  • U.S. Bank’s Visa Platinum card features cellular telephone protection if you’re paying your phone bill with your card every month.  Terms apply.
  • Fraud protection service monitors your account for unusual activity and notifies you if an uncommon transaction occurs.
  • When Platinum cardholders sign up for online banking, they can receive their TransUnion credit score information at no cost using TransUnion’s CreditView system. If the online banking system detects significant changes on your report, it will notify you. 
  • Platinum card members have the option to set a payment due date that fits their schedules.
  • With the Platinum card, you can make digital mobile payments at point-of-sale terminals and on some websites using Apple Pay, Google Pay or Samsung Pay.

Best ways to use the U.S. Bank Visa® Platinum Credit Card

Save loads of money by transferring your high interest credit card balance to the U.S. Bank Visa Platinum card and enjoy 18 months of 0% interest. But take note, you must transfer the balance within 60 days of opening your Platinum card account. If you transfer a balance after 60 days, a 14.49%-25.49% interest rate applies.

Set up autopay to pay your cellular phone bill every month to receive no-cost protection against damage or theft. The protection plan only offers secondary coverage, but if your primary insurance has a deductible, U.S. Bank will reimburse you, up to $600.

Enter your Platinum card number to use Apple Pay, Google Pay or Samsung Pay and enjoy the convenience of making quick purchases with your cell phone. By using digital mobile payments, you can leave your card at home, where it is safe and secure. And if you use Samsung Pay, you can earn rewards points.

In a nutshell

The U.S. Bank Visa Platinum card has an attractive introductory offer, allowing you to pay no interest on purchases for the first 18 billing cycles and $0 annual fee. The cell phone protection plan is a nice feature and the option to use the card to make digital mobile payments is fantastic for people on the go.

But overall, the Platinum card lacks features that many other credit cards have. Many credit cards charge no foreign transaction fees, but Platinum card members pay 2%-3% on purchases and ATM cash advances. 

And with no cash back or points rewards, U.S. Bank Visa Platinum cardholders have little incentive to use the card regularly.  However, if you only need a credit card for emergencies or to pay off a big balance, the U.S. Bank Visa Platinum card might work for you.

Michael Evans

Financial writer and author of Escape to Colombia, a comprehensive guide to retiring to Colombia

Michael and his family divide their time between homes in Northern California and Colombia. When not working, Michael enjoys travel, photography and playing with his cat, Cyndi Lou.