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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.
- Good/Excellent 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
- Credit inquiries for same-day applications will not be combined
- 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 fee: 3% of the amount of each transfer or $5 minimum, 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
The fee is 2% if the foreign transaction in US dollars and 3% if the foreign transactions that is a different currency.
Get reimbursed for up to $600 per claim (with a $25 deductible) if your cell phone breaks or gets stolen. To activate coverage, you need to pay your monthly cell phone bill with your U.S. Bank Platinum credit card. Max 2 claims per year.
