U.S. Bank Visa® Platinum Card – Full Details (2025)
✅ Key Features & Benefits
- 0% Introductory APR: Enjoy 0% APR on purchases and balance transfers for the first 21 billing cycles. After that, a variable APR of 17.74%–28.74% applies. FinanceBand+3FinanceBuzz+3Bankrate+3
- No Annual Fee: There is no annual fee for this card.
- Cell Phone Protection: Get up to $600 in protection against covered damage or theft when you pay your monthly cell phone bill with this card. A $25 deductible applies. MileValue+1FinanceBand+1
- U.S. Bank ExtendPay® Plan: Divide eligible purchases into affordable monthly payments with no interest—just a fixed monthly fee. usbank.com
- Fraud Protection: Benefit from zero fraud liability and real-time alerts for suspicious transactions. inforfinance.com+2MEFMobile+2Minilua in English+2
📋 Eligibility Criteria
- Credit Score: A good to excellent credit score is recommended, typically 700 or higher.
- Age: Must be at least 18 years old.
- Residency: Must have a valid U.S. physical address and reside in the United States. Stealth Capitalist
- Income: Proof of steady income is required to confirm your ability to make payments. Stealth Capitalist
📄 Required Documents
- Government-Issued ID: Valid identification such as a driver’s license or passport.
- Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN): For identity verification.
- Proof of Income: Recent pay stubs, W-2 forms, or tax returns to verify income.
- Employment Information: Details about your current employment status.
📝 Step-by-Step Application Process
- Visit the Official Website: Go to the U.S. Bank Visa® Platinum Card page.usbank.com+2usbank.com+2usbank.com+2
- Click “Apply Now”: Initiate the application process.FinanceBuzz
- Fill Out Personal Information: Provide your name, address, date of birth, and contact details.
- Enter Financial Details: Include your SSN or ITIN, employment information, and annual income.
- Review Terms and Conditions: Carefully read the card’s terms before proceeding.
- Submit Application: Once all information is entered, submit your application for review.
- Await Decision: You may receive an instant decision or be notified after further review.
❓ Frequently Asked Questions (FAQ)
1. What is the U.S. Bank Visa® Platinum Card best used for?
Answer: This card is ideal for balance transfers and large purchases due to its long 0% introductory APR period. Minilua in English+3Cardratings.com+3FinanceBuzz+3
2. Does the card offer rewards?
Answer: No, this card does not offer rewards; it focuses on low-interest rates and balance transfer benefits. FinanceBuzz
3. Is there a balance transfer fee?
Answer: Yes, a balance transfer fee of either 3% of the amount of each transfer or $5 minimum, whichever is greater, applies. FinanceBand
4. How do I qualify for the cell phone protection benefit?
Answer: Pay your monthly cell phone bill with your U.S. Bank Visa® Platinum Card to be eligible for up to $600 in protection against covered damage or theft. MileValue+1FinanceBand+1