The U.S. Bank Visa Platinum® Card offers a competitive introductory APR for purchases and balance transfers, along with various benefits like credit score monitoring, payment flexibility, and identity theft protection. Let’s delve into its advantages, disadvantages, extra features, and application process.
Advantages of the card U.S. Bank Visa Platinum®
The card provides a low introductory APR for 21 billing cycles on both purchases and balance transfers, making it an attractive option for those looking to consolidate debt or make large purchases without accruing interest for an extended period. Cardholders can also benefit from credit score monitoring services and payment flexibility through U.S. Bank ExtendPay® Plans. Additionally, the card offers cell phone protection coverage up to $600 if the monthly cell phone bill is paid with the card.
Disadvantages of the card U.S. Bank Visa Platinum®
While the introductory APR period is appealing, it’s essential to note that after the introductory period ends, the APR becomes variable, potentially leading to higher interest charges. Some fees, such as balance transfer and cash advance fees, may also apply, impacting the overall cost of maintaining the card. Additionally, the card may not offer as robust rewards or benefits compared to other premium credit cards.
Extra features offered by U.S. Bank Visa Platinum®
Apart from the introductory APR offer, the card provides access to credit score monitoring through TransUnion’s CreditView™ Dashboard, giving cardholders insights into their credit health. The ID Navigator Powered by NortonLifeLock™ offers tools to help prevent identity theft and stay informed about potential threats. Moreover, the card offers auto pay options and allows cardholders to choose their payment due date for added convenience.
Learn how to apply for your credit card U.S. Bank Visa Platinum®
Applying for the U.S. Bank Visa Platinum® Card is quick and easy. You can visit the U.S. Bank website or use the mobile app to initiate the application process. Alternatively, you can apply by calling the provided phone number or visiting a U.S. Bank branch in person.
Discover the main ways to apply for the card U.S. Bank Visa Platinum®
From the site
Visit the U.S. Bank website, navigate to the credit cards section, and select the U.S. Bank Visa Platinum® Card. Follow the instructions to complete the online application form.
From the site App
Download the U.S. Bank mobile app from the App Store or Google Play Store. Log in to your account or create one if you’re a new user. Navigate to the credit card section and select the U.S. Bank Visa Platinum® Card to apply.
By agency
Call the provided phone number to speak with a U.S. Bank representative who can assist you with the application process. Alternatively, visit a U.S. Bank branch near you and apply in person.
Prerequisites for request
To apply for the U.S. Bank Visa Platinum® Card, you’ll need to meet certain eligibility criteria, including being a resident of the United States and meeting U.S. Bank’s credit requirements. You may also need to provide personal and financial information during the application process.
The U.S. Bank Visa Platinum® Card offers an appealing introductory APR offer for those looking to save on interest charges for an extended period. With additional benefits like credit score monitoring, payment flexibility, and cell phone protection, it provides value beyond the introductory period. However, potential fees and the lack of robust rewards may deter some users. Overall, it’s a solid choice for individuals seeking a low-interest credit card with essential features and protections.
