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Author - Sam
Updated: May 7, 2025 | Credit Card Review The U.S. Bank Visa Platinum Card gives you a 0% interest rate period on purchases and balance transfers. However, it's stripped from most other credit card benefits and does not earn any rewards.
- Credit: Good/Excellent credit needed
- 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 usually get combined but not always
- 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
- Downgrade options: The U.S. Bank Visa Platinum Card ($0) can be product changed to U.S. Bank Altitude Reserve Visa Infinite Card($400), U.S. Bank Altitude Go Visa Signature Card ($0), U.S. Bank Shopper Cash Rewards Visa Signature Card ($95 (waived 1st year)), U.S. Bank Cash+ Visa Signature Card ($0), or to the U.S. Bank Altitude Connect Visa Signature Card ($95 (waived 1st year)).
Approval Monitor (submitted by HelpMeBuildCredit users)
Credit limit range $600-$150,000
Avg. Credit limit$14,555
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.
HelpMeBuildCredit credit ranges are a variation of FICO®️ Score 8, one of many types of credit scores lenders may use when considering your credit card application
- Balance transfer fee: 5% 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
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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