U.S. Bank Visa Platinum Card
Basic Information
Program ID: visa-platinum-card
Issuer: U.S. Bank
Card Type: Credit
Network: Visa
Card Tier: Platinum
Data Complete: Yes
Created: 01/07/2026 18:27
Last Scraped: 01/15/2026 08:06
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 30.00% |
Additional Fees
| 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
Purchase APR Range: 1,824.00% - 2,824.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 18 months
Balance Transfer APR: 1,824.00%
Intro BT APR: 0.00%
Intro BT Duration: 18 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $0.00
Spending Requirement: $0.00
Time Period: 0 days
Bonus 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.
Rewards Program
Reward Type: None
Base Reward Rate: 0.00%
Bonus Reward Rate: 0.00%
Bonus Categories: This card does not earn rewards points or cashback.
Point Value Estimate: 0.0000 cents/point
Expiration Policy: N/A - This card does not earn rewards.
Transfer Partners: N/A - This card does not earn transferable rewards.
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
- Global Entry Credit: $0.00
- TSA PreCheck Credit: $0.00
Approval Criteria
Recommended FICO Range: 670 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Varies (Experian, TransUnion, Equifax)
Issuer Rules
Rules: 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.
Maximum Cards Per Issuer: 5
Minimum Spend Interval: N/A - This card typically does not offer a sign-up bonus requiring a minimum spend.
Shutdown Risk Triggers: High cumulative credit limit with U.S. Bank, suspicious account activity, defaulting on payments, excessive balance transfers without repayment, bust-out behavior, or opening too many accounts with U.S. Bank in a short period (even if within the 2/12 rule, high velocity can be a flag).
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.8 / 5.0
Top Positive Feedback:
Excellent for balance transfers and low introductory APR. Good for consolidating debt and managing large purchases with a simple, no-frills approach.
Top Negative Feedback:
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 Score: 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
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 60 months
Store vs Co-brand: 100% General / 0% Store
Risk Assessment
Default Risk Group: Low-Medium
Predicted Approval Probability: 85.0%
Terms Version Control
Version ID: v1.0