US Bank Platinum

welcome offer

Intro 0% APR for 20 months on purchases and balance transfers.

Bonus Cash Value

Approximately $0*

Annual Fee

$0

Card Rewards

No rewards on all purchases

Help Me Build Credit has partnered with CardRatings for our coverage of credit card products. Help Me Build Credit and CardRatings may receive a commission from card issuers. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

Card Overview

The US Bank Platinum card gives you a 0% interest rate for 20 months on purchases and balance transfers. That is one of the longest 0% Apr periods available now. But, its stripped from most other credit card benefits. And does not earn any rewards.

Card-Smart Tips & Advice
  • Good credit needed
  • US Bank will not report business credit cards on personal credit reports
  • US Bank will usually pull your Experian credit report
  • If you frequently apply for credit cards,  first freeze your IDA/ARS bureaus  before applying for a US Bank credit card
  • You can check your application status by calling 1 800 947 1444
  • If declined you can call 1 800 685 7680 and ask to speak to the credit card reconsideration department
Balance Transfer Terms
  • Balance transfer fee: 3% or $5, whichever is greater
  • You cannot transfer balances from other credit cards issued by US Bank
  • To receive the Intro APR Offer, transfers must be completed within the first 60 days of account opening
  • No penalty APR
Card Details And Benefits
  • Fraud Protection
  • Auto Rental Collision Insurance
  • Cell Phone Protection

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*The estimate is based on our research on what approximate value consumers get when booking travel with points or transferring the points to partner airlines/hotels and booking award travel. You might need to be reward savvy to achieve the proper value. You can find out more on how we value points here

Please note: Although, I put a lot of effort to give my readers unbiased information. I’m legally required to notify you that I may be receiving compensation from credit card companies mentioned on this page. Please see our Advertisement Disclosure for more details.
The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.
Help Me Build Credit has partnered with CardRatings for our coverage of credit card products. Help Me Build Credit and CardRatings may receive a commission from card issuers.