0
Benefits0
Reward Categories—
Max Reward18.2%
APR FromBasic Information
PENDINGRewards Program (Detailed)
No Reward Data Available
Click "Get Data" button below to fetch reward information for this card.
Rewards Summary
PENDINGReward Type: None
Base Rate: 0x
Bonus Rate: 0x
Categories: This card does not earn rewards points or cashback.
Quarterly Rotating: No
Cap Amount: $0.00
Expiration Policy: N/A - This card does not earn rewards.
Point Value: 0¢
Travel Portal Multiplier: 0x
Transfer Partners: N/A - This card does not earn transferable rewards.
Redemption Penalties: N/A - This card does not earn rewards.
Benefits & Protections (Detailed)
No Card Benefits Available
Click "Get Data" button below to fetch card benefits for this card.
Benefits Summary (Flags)
PENDINGExtended Warranty
Purchase Protection
Cell Phone Protection
Travel Insurance
Primary Rental Protection
Airport Lounge Access
Trip Delay Coverage
Lost Luggage Coverage
Price Protection
Concierge Service
No Foreign Fees
ShopRunner
Global Entry Credit: $0
TSA PreCheck Credit: $0
Sign-Up Bonus
PENDING$0
Cash BackRequirement: Spend $0 in 0 days
Timing: No sign-up bonus is typically offered for the U.S. Bank Visa Platinum Card. Its primary benefits are a low introductory APR on purchases and balance transfers, rather than a welcome offer.
Fee Structure
PENDING| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.30% |
| Min Interest Charge: | $2.00 |
Additional Fees
PENDING| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | Either $5 or 3% of the amount of each transfer, whichever is greater. |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Foreign Transaction: | 0.00% |
Interest Rates & APR
PENDINGStandard APR
Purchase APR: 18.24% - 28.24%
Balance Transfer APR: 18.24%
Cash Advance APR: 29.99%
Intro APR Offers
Intro Purchase APR: 0% for 18 months
Intro BT APR: 0% for 18 months
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: The U.S. Bank Visa Platinum card is primarily designed for balance transfers and low introductory APRs, rather than offering a sign-up bonus. Eligibility typically requires excellent credit (FICO score 740+), a stable income, and a good credit history. U.S. Bank enforces a '2/12 rule,' meaning applicants are generally approved for a maximum of two new personal U.S. Bank credit cards within any rolling 12-month period. Existing U.S. Bank customers may have an advantage, but overall credit exposure with the bank is considered. Applicants must be 18 years or older and a U.S. resident.
Max Cards Per Issuer: 5
Min Spend Interval: N/A - This card typically does not offer a sign-up bonus requiring a minimum spend.
Cliff Effect Rules: U.S. Bank does not have specific 'cliff effect' rules tied to card families like some other issuers. The primary restriction is the 2/12 rule for new applications across all personal U.S. Bank cards. There are no specific rules preventing holding multiple Visa Platinum cards or other U.S. Bank cards beyond general creditworthiness and the 2/12 velocity rule.
Special Events: N/A - This is not a store card.
Holiday Promos: N/A - This card does not typically feature specific holiday promotional periods for its core benefits.
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.8 / 5.0
Top Positive:
Excellent for balance transfers and low introductory APR. Good for consolidating debt and managing large purchases with a simple, no-frills approach.
Top Negative:
Lacks a rewards program, making it less appealing for everyday spending if points or cash back are desired. Basic features compared to other cards.
Approval Experience: 75.0 / 100
Recommended Alternatives
- Chase Slate Edge
- Citi Simplicity Card
- Wells Fargo Reflect Card
Card Value Score: 85.0 / 100
Est. Annual Rewards: $0.00
Approval Probability: 85.0%
Version Control
PENDINGVersion ID: v1.0