The highlight of the U.S. Bank Visa® Platinum Card is a lengthy 0% APR offer, and the card issuer has rounded it out with some good extras.
0% intro APR on purchases for 20 billing cycles
This card’s 0% intro APR on purchases applies to the first 20 billing cycles, so it covers over a year and a half of credit card statements. Even compared to other top 0% APR credit cards, that’s a great offer. It’s ideal if you need to finance costly purchases and make payments on them. With this U.S. Bank card, you’ll have plenty of time to do that without paying credit card interest.
0% intro APR on balance transfers for 20 billing cycles
The U.S. Bank Visa® Platinum Card has an equally impressive 0% intro APR offer on balance transfers. This is one of the longest offers among all balance transfer credit cards, so this card is equally useful for paying off credit card debt. Transfers must be made within 60 days of account opening to qualify.
No annual fee
If you’re trying to save money with a 0% APR offer, you probably don’t want to incur any extra fees. This is a no annual fee credit card, which is another reason it’s perfect for saving money.
You don’t need to buy cellphone insurance or leave your phone at risk when you have this credit card. If you pay your cellphone bill with your U.S. Bank Visa® Platinum Card, then your phone will be insured against damage or theft for up to $600. The limit is two claims of up to $1,200 total per 12-month period. A deductible of $25 per claim applies.
Keep in mind that this is secondary insurance. If you already have an insurance policy that covers your cellphone, you need to make a claim through that first.
Free credit score
You’ll have a complimentary credit monitoring tool at your fingertips. TransUnion’s CreditView™ product is available through U.S. Bank’s online banking site and provides you with your VantageScore.
This service is convenient and shows you if your credit is headed in the right direction. However, it’s worth mentioning that the most widely used type of credit score is your FICO® Score. VantageScore isn’t nearly as popular among lenders.
View more information: https://www.fool.com/the-ascent/credit-cards/us-bank-visa-platinum-review/