U.S. Bank Visa Platinum: 0% APR leader

Last reviewed: September 2026. The U.S. Bank Visa® Platinum Card is no longer accepting new applications. Existing cardholders should review their current account agreement and monthly statements for the APR, fees and benefits that apply to their individual account.

The U.S. Bank Visa Platinum was primarily designed as a low-introductory-APR credit card rather than a rewards card.

Before applications were discontinued, the card's final publicly advertised offer included an extended introductory 0% APR period on eligible purchases and balance transfers. That historical offer should not be interpreted as a promotion currently available to new applicants.

U.S. Bank Visa Platinum is no longer accepting applications

U.S. Bank currently lists the Visa Platinum Card among its personal credit cards that are no longer accepting new applications.

This distinction is important because APR offers shown in older reviews or advertisements applied when the product was open to new customers. They are not current application offers.

What the final public introductory offer looked like

When the U.S. Bank Visa Platinum was still available to new applicants, its final publicly reported offer provided 0% introductory APR for 18 billing cycles on eligible purchases and balance transfers.

The card was primarily positioned around reducing interest costs during that introductory period rather than earning cash back, points or travel miles.

Existing cardholders should not assume that those acquisition terms still apply to their account. The APR and promotional expiration date applicable today can be found on the individual cardholder agreement and monthly statement.

The Visa Platinum was not a rewards card

The U.S. Bank Visa Platinum should not be described as offering a cash-back or points rewards program.

Its historical purpose was primarily introductory financing. This distinguishes it from U.S. Bank cards that are specifically designed to earn cash back or points.

Cell Phone Protection remains a documented benefit

U.S. Bank currently maintains benefit information for existing Visa Platinum cardholders, including Cellular Telephone Protection.

Current U.S. Bank benefit information states that eligible cardholders can receive up to $600 per covered occurrence for qualifying damage, theft, or involuntary and accidental parting of a covered cell phone.

The benefit currently has a $25 deductible per approved claim and a maximum benefit of $1,200, representing up to two paid claims, during a 12-month period.

To qualify, the monthly cell phone bill generally must have been charged to the eligible U.S. Bank Visa Platinum Card in the calendar month before the covered incident occurred. Other requirements and exclusions apply.

For more information about cardholder features, see U.S. Bank Visa Platinum perks.

If an introductory APR is still active on an existing account

An existing cardholder whose individual account still has a promotional APR can verify the promotion's expiration date on the monthly statement.

A 0% introductory APR does not eliminate the balance or monthly payment requirement. Paying more than the minimum may be necessary to eliminate the balance before a promotional period ends.

A simple repayment estimate can be created by dividing the remaining promotional balance by the number of billing cycles remaining, while also accounting for any additional purchases or fees.

Balance transfers can involve fees

A 0% APR balance transfer should not be interpreted as a free transfer.

The final publicly available Visa Platinum offer included a balance transfer fee. Existing cardholders should review their current account agreement before requesting a transfer because fees and eligibility depend on the terms applicable to the individual account.

Foreign transaction fees should be checked before international use

The Visa Platinum should not be described as a no-foreign-transaction-fee card without checking the individual account agreement.

U.S. Bank currently states generally that its credit cards can charge foreign transaction fees of up to 3%, depending on the applicable card terms.

Existing Visa Platinum cardholders should verify their specific Cardmember Agreement before using the card for international purchases.

What does U.S. Bank currently offer for long introductory APRs?

For consumers looking for a currently available U.S. Bank credit card with a long introductory APR period, U.S. Bank now offers the Shield® Visa® Card.

As of September 2026, the Shield Card is advertised with 0% introductory APR for 21 billing cycles on purchases and eligible balance transfers made within 60 days after account opening.

A 5% balance transfer fee, with a $5 minimum, currently applies to qualifying Shield transfers.

This is a different credit card product with its own terms and should not be confused with the discontinued Visa Platinum offer.

For a broader explanation of comparing introductory APR cards, see Visa Platinum vs. other 0% APR cards.

Frequently asked questions

Can I apply for the U.S. Bank Visa Platinum today?

No. U.S. Bank currently lists the Visa Platinum Card among products that are no longer accepting new applications.

Did the Visa Platinum have a 0% introductory APR?

Yes. Before applications closed, the final publicly advertised offer included 0% introductory APR for 18 billing cycles on eligible purchases and balance transfers. This is historical information rather than a current application offer.

Does the U.S. Bank Visa Platinum earn rewards?

The Visa Platinum was not structured as a cash-back, points or travel rewards card.

Does the Visa Platinum still have cell phone protection?

U.S. Bank currently maintains Cellular Telephone Protection information for eligible Visa Platinum cardholders. Coverage requirements, limits and exclusions apply.

Final considerations

The U.S. Bank Visa Platinum is now a legacy credit card rather than a product available to new applicants.

Existing cardholders can continue to evaluate the account based on their individual APR, fees and cardholder benefits. Consumers researching a new U.S. Bank introductory-APR card should instead review the issuer's current product lineup.

For current card availability and benefit information, review the official U.S. Bank credit card benefits page.

This content is provided for informational and educational purposes only and does not constitute financial advice. The U.S. Bank Visa Platinum is no longer accepting new applications, and terms for existing accounts may vary.