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U.S. Bank Visa® Platinum Card

U.S. Bank Visa® Platinum Card

With the U.S. Bank Visa® Platinum Credit Card, you’ll enjoy more buying power, wrapped in a prestigious package.

  • Special 0% introductory APR on all purchases and balance transfers for the first 12 billing cycles and after that, a variable APR, currently 9.99% - 23.99%, based on your creditworthiness.
  • Get higher credit lines, lower APR and no annual fee!
  • Automatic car rental insurance
Benefits
  • Automatic Bill Pay – Take advantage of this easy way to pay bills online.
  • Free Online Account Access – The easiest way to bank online! With this free service you can view current statements, download account history, check your balance, make a payment from your U.S. Bank Checking or Savings account, get a cash advance and much more.
  • Internet Banking customers receive their Experian® Credit Score - at no cost.
  • Auto Rental Insurance. It's yours automatically - at no extra cost - when you charge your entire car rental on your U.S. Bank Visa® Platinum Credit Card and decline the rental company's collision damage waiver option. Coverage on a 24-hour basis for damage due to collision or theft.
  • Zero Fraud Liability1 – You are not responsible for unauthorized transactions if your U.S. Bank Visa® Platinum credit card or account number is ever lost or stolen. If your card is lost or stolen, replacement cards can be sent within 48 hours.
  • Fraud Protection – Fraud Protection detects and notifies you of any unusual card activity to help prevent fraud.

Optional Benefits

  • Payment Protection covers you and your family should you become disabled or unemployed, and guarantees payment of account balances up to $10,000 should you die before age 66.
  • U.S. Bank Overdraft Protection transfers funds in $25 increments from your U.S. Bank Visa® Platinum account into your U.S. Bank Checking account when needed.
  • Convenience Checks are available at your request to pay bills, make purchases or consolidate other high-interest balances.
  • Cash Access at over 1,000,000 ATMs worldwide.
  • Balance Transfers to your U.S. Bank Visa from higher interest rate credit accounts save you money while maximizing your time and convenience with a single monthly payment.

Find out more information or sign up for any of these additional options by calling our 24-hour customer service at 800-285-8585, TDD 800-846-2580.
View Terms & Conditions.

How to Apply
It’s easy to apply online and takes less than 10 minutes to complete:

Step 1: Select Joint or Individual Application.
Step 2: Review and accept the Application Terms and Conditions.
Step 3: Complete the online application.
Step 4: Submit your application.

Getting Started
To apply online, you’ll need2:
  • a Social Security Number
  • a Driver's License, State ID or Military ID
  • to be at least 18 years old and a legal U.S. resident

Helpful tips: Our Privacy Policy allows your personal information to be displayed for 15 minutes of inactivity. If you’re interrupted or unable to finish your application, select the “Save and Exit” button and follow the instructions. You can save your application information for up to 30 days and return at your convenience to complete it.

Once you’ve submitted your application, please remain online to receive your final decision and information about product acceptance. You should get a decision within minutes.

2Please visit a branch if you do not meet the qualifications.

Choosing a Credit Card
The U.S. Bank Visa® Platinum Card works well for those who need a flexible credit line and can afford to carry higher balances when necessary. The added perks – including convenience and security features – reward your excellent credit history.

Not quite sure which card is right for you? Try our Credit Card Recommender. Check the appropriate answers on the short questionnaire to see which choices best fit your lifestyle and credit card needs.

Some factors you might consider:
  • How important is earning rewards to you?
  • Do you want the ability to transfer balances from another credit card to your new card?
  • Do you typically carry a balance from month-to-month?
  • What sort of rewards are you most interested in?

You can also browse available options in our credit card overview to determine which card works best for your individual needs.

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How to Apply
Apply Online
800-715-2922
Find a Branch

We may change APRs, fees and other Account terms in the future based on your experience with U.S. Bank National Association ND and its affiliates as provided under the Cardmember Agreement and applicable law.

Your introductory APR applies to purchases and balance transfers and the rates are valid for 12 billing cycles. The introductory rate does not apply to cash advances. We apply your minimum payment to balances with lower APRs first. Amounts paid over the minimum payment will be applied in the order of highest to lowest APR balances. Balance transfer fees apply.

  1. U.S. Bank provides zero fraud liability for unauthorized transactions. Cardholder must notify U.S. Bank promptly of any unauthorized use. Certain conditions and limitations may apply.

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The creditor and issuer of this card is U.S. Bank National Association ND, pursuant to a license from Visa U.S.A. Inc., and the card is available to United States residents only.

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How to Apply

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800-715-2922

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