Enjoy flexibility with the U.S. Bank Visa Platinum: benefit from a long 0% intro APR, low ongoing rates, and robust protection for your purchases and travel!
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US Bank Visa Platinum Credit Card: A Low-Interest Option with Essential Benefits
Manage Your Finances Efficiently with Competitive APR and Solid Protection
The US Bank Visa Platinum Credit Card offers a 0% introductory APR on purchases and balance transfers for up to 18 billing cycles. This feature makes the card a great choice for individuals looking to make large purchases or consolidate existing debt without accruing interest for an extended period. After the promotional period, the APR adjusts based on creditworthiness, but the initial 18 months provide significant flexibility and potential savings.
Issued by US Bank, this card includes comprehensive security features to safeguard cardholders’ information and transactions. The Zero Liability protection ensures that users aren’t responsible for unauthorized purchases. Additionally, the card uses EMV chip technology and provides real-time fraud alerts, helping you stay on top of any suspicious activities on your account.
A key benefit of the US Bank Visa Platinum is the cell phone protection it offers. When you pay your monthly cell phone bill with the card, you are covered for up to $600 in damages or theft, with a $25 deductible. This is a valuable feature, especially for those looking to avoid costly repairs or replacements.
This card does not come with an annual fee, making it a cost-effective option for those who prefer low-maintenance credit cards. Additionally, US Bank provides a user-friendly mobile app and online platform where cardholders can track spending, set up transaction alerts, and manage their accounts seamlessly.
After the 0% introductory APR period ends, the standard APR will vary based on your creditworthiness and the prevailing market rate. Typically, it ranges between 18.99% and 28.99% (variable). It's important to review the APR terms before deciding to carry a balance beyond the promotional period.
The cell phone insurance is activated when you pay your monthly cell phone bill using the US Bank Visa Platinum. It covers damage or theft up to $600 per claim, with a $25 deductible. Keep in mind that this insurance does not cover lost phones or cosmetic damage like scratches. To file a claim, you’ll need to provide proof of your bill payment and details about the incident.
Yes, while the card offers a 0% APR for balance transfers during the first 18 months, there is a fee of 3% of the amount transferred or $5, whichever is greater. It's important to factor in this cost when planning to transfer balances to take advantage of the 0% APR.
No, the US Bank Visa Platinum does not come with a rewards program like cashback or points. The card is designed primarily for those seeking a low-interest rate option for purchases and balance transfers rather than earning rewards on everyday spending.
Generally, you will need a good to excellent credit score to be approved for the US Bank Visa Platinum Credit Card. This typically means a FICO score of 670 or higher. However, approval is based on various factors, including your credit history, income, and existing debt, so it's not solely determined by your credit score.
Monica is a finance news writer dedicated to translating the complex world of economics into clear and accessible information. With extensive experience in the financial market, she delivers up-to-date analyses, practical tips, and content that helps readers make more informed decisions about their money. Passionate about economics and communication, Monica bridges the gap between numbers and your financial reality.
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