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welcome offer

Intro 0% APR for 20 months on purchases and balance transfers (after that 14.49% – 24.49% variable).

Bonus 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
  • Credit: Good/Excellent credit needed
  • Not reported on personal credit reports: US Bank will not report business credit cards on personal credit reports
  • Credit report: US Bank will usually pull your Experian credit report
  • Freeze IDA/ARS: If you frequently apply for credit cards,  first freeze your IDA/ARS bureaus  before applying for a US Bank credit card
  • Combining same-day credit inquiries: Credit inquiries for same-day applications will not be combined
  • Check application status: You can check your application status by calling 1 800 947 1444
  • Reconsideration: If declined you can call 1 800 685 7680 and ask to speak to the credit card reconsideration department

Recent Approvals and Denials (as submitted by Help Me Build Credit users)

67% Approved
794 Avg. Score of those approved
33% Denied
Approved 67%
Denied 33%

Credit limit range $1,000-$5,000

Avg. Credit limit$2,835

Disclosure: These results are based on information submitted by HelpMeBuildCredit users. Credit card approval results are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. Neither HelpMeBuildCredit nor the bank advertiser's take any responsibility on the accuracy of the information.

Balance Transfer Terms
  • 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
Card Details And Benefits
Foreign Transaction Fee

The fee is 2% if the foreign transaction in US dollars and 3% if the foreign transactions that is a different currency.

Cell Phone Protection

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.

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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 AwardWallet and CardRatings for our coverage of credit card products. Help Me Build Credit, AwardWallet and CardRatings may receive a commission from card issuers.

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