How To Apply For US Bank Visa® Platinum Card

Are you looking for a credit card with zero percent introductory APR & balance transfer? If yes, then the US Visa Platinum Card could be an option to consider. This card has a longer APR introductory period when compared to many other credit cards, which makes this option worth discussing. You can name it as one of the best available balance transfer credit cards. If you opt for this card, then you must take advantage of its balance transfer period of eighteen months or otherwise, you should look for the other available credit cards on the market. For instance, you can look for the cards, like Chase Slate that helps you avoid the headache of paying the fees of the balance transfer.

US Bank Visa® Platinum Card: In A Nutshell

The US Bank Visa Card has a longer intro APR than average. You get 18 months of intro period which is quite a good choice for those who are looking for a credit card with the longest introductory period. You can also count on this credit card when it comes to phone protection. However, the card doesn’t have much for those who are looking for a credit card majorly to earn rewards. A card is a great option for those who need a low-intro APR credit card. Apart from the longer intro APR of 0%, the card also offers you some exceptional benefits. Let’s take a deep dive into the card’s benefits, rewards, and features to help you decide whether or not you should opt for it.

US Bank Visa Card Benefits, Rewards, And Features

You would be glad to know that this is a no annual fee balance transfer credit card. To get this card, you are required to have an excellent credit history. As far as the purchase APR is concerned, it is 10.74% to 22.74% Variable. Here are the highlights of this card that you must go through before you apply online to get it:

• For the first eighteen billing cycles, the introductory APR is 0% on balance transfers and purchases. After that, it will be 11.24% to 23.24%
• $0 annual fee
• You can choose the payment date that suits your schedule
• Fraud protection feature is also available. You will receive alerts of the unusual activities. In addition to that, there is 0 fraud liability for the fraudulent charges
• Phone protection

Now, let’s take a look at some of the major aspects of the US Visa Platinum Card.

Balance Transfer APR

On balance transfers within the 1st sixty days of your account opening, you will be paying 0% A5.PR for the eighteen billing cycles. After the 60 day period, there will be a variable APR 11.74% to 23.24%. You should keep in mind that you must make balance transfers within the first 60 days of receiving your card to qualify for the 0% APR. You pay the debt in time and buy yourself more time for slowly paying off your debt, while not gathering the interest payments.

Purchase APR And Balance Transfer Fees

Transferring balance with this card is not free. Whatever amount of balance you transfer, there will be a balance transfer fee of 3% or $5 (whichever amount is greater). The purchases that you make with the US Visa Platinum Card within the first eighteen months of the account opening will be without any interest charges. The intro APR lasts eighteen billing cycles after which it becomes variable.

Phone protection

You can get this benefit if you use this card to pay your cell phone bill on a monthly basis. This feature covers 2 incidents of the cellphone theft or damage, with the limits of $600/incident with the $25 deductible. It covers as many as 4 phones and the benefit is extremely valuable to the cardholders.

Instructions To Apply For The US Bank Visa® Platinum Card

It is really simple and fast to apply for this card. You should go to their website and submit an online application. But before you apply, make sure that you are:

• At least eighteen years of age
• A legal resident of the US
• Own an SSN or an individual taxpayer ID

After ensuring the above requirements, here is what you are required to do to submit the online application:

1. You can access the official US Bank website and move to the credit cards sections where you will find this credit card option. Or, directly access the How to Apply for US Bank Visa® Platinum Card webpage to reach the required page without wasting any time.
2. Now you can see the credit card image along with the detailed information about this card. There is an “Apply Online” button that you are required to click to start submitting your online application. This button is available on the right-hand side of the webpage.

After clicking “Apply Online” button, you will be on a new page where you should read the important information. After reading the on-screen information, you should enter your “Personal ID” in the given field, and then click the “Next” button. If you are new to the US Bank, then you should click the “Apply here” link just above the “Next” button. The online application will start after providing your Personal ID. Simply complete the application form and submit it by following the on-screen instructions. If you have any questions, then you can talk to the bank’s customer support.