U.S. Bank Visa® Platinum Card: Perfect for those who want to organize their financial life

Innovative, the U.S. Bank Visa® Platinum Card offers exclusive benefits to its customers. When the request is approved, the new customer already has 0% APR on all balance transfers.

The U.S. Bank Visa® Platinum Card helps you purchase the most expensive product necessary for your home or life and even pay your debts with a lower interest rate.

By zeroing the fee for transferring a debt from one card to another, U.S. Bank contributes to your peace of mind and your pocket. After all, the value of your annual fee is 0 forever.

However, the advantages of the U.S. Bank Visa® Platinum Card do not end there. In addition to offering unmissable benefits for those who want to organize their financial life, the card also provides its customers with cell phone insurance against theft.

Today, we will unveil all the card's features and advantages over other financial devices that offer reduced APR rates. Keep reading to learn more about it!

Benefits that transform the U.S. Bank Visa® Platinum Card into a powerful financial instrument

When you activate your U.S. Bank Visa® Platinum Card, your APR will be 0% for the first 21 cycles. This exclusive advantage applies to purchases or balance transfers. Most cards that offer 0% introductory APR restrict the benefit to balance transfers only. With the U.S. Bank Visa® Platinum Card, customers enjoy extended benefits on all purchases.

So you never lose control of your financial life, the U.S. Bank Visa® Platinum Card allows you to check your credit score simply and quickly. At any time of the day, through the bank's app or website, simply access the service to find out your financial reputation.

With this, U.S. Bank wishes to make its customers' financial lives more hassle-free and transparent. By monitoring their credit score daily, clients can plan their next financial steps, improving their life.

Another way the U.S. Bank Visa® Platinum Card contributes to your financial organization is by allowing you to pay your bill without opening your application.

You choose a due date through automatic debt payment, so your invoice is always compensated without interest and fines for the delay.

It is how the U.S. Bank contributes to your financial control. By always knowing the amount of your invoice, you can maintain a perfect financial schedule and avoid any delay that could compromise your finances and credit score.

As an added benefit, all U.S. Bank customers who use their card to pay for their cell phone monthly also receive theft protection insurance. The insurance premium is US$600; to activate it, simply pay your first utility bill.

How much can you save with 0% APR?

Most credit cards have an APR that varies between 25 and 29%, which means debts on this credit platform are high.

Once you sign up for your U.S. Bank Visa® Platinum Card, you can take advantage of the 0% APR to your advantage. Therefore, if you have a debt of US$1,500, with an APR of 29%, during the 21 months of your welcome cycle, you can save around US$480.

This value can be decisive for purchasing an item you want or even planning the trip of your dreams.

All your transfers have a fee that varies depending on the amount submitted. In the previous example, the cost was US$75. This fee is at most 5%, with the minimum value being US$10, regardless of the simulation.

For more enormous debts, such as $50,000, with a 25% APR rate, you could save $17,318. The U.S. Bank provides an exclusive, practical, and simple-to-access tool for these simulations.

In addition to the 0% APR for balance transfers, it is also worth getting to know the ExtendPay® program, a U.S. Bank initiative aimed at those who want to split their purchases into more affordable and interest-free payments.

Once you purchase your U.S. Bank Visa® Platinum Card, search the management application for the ExtendPay® program. This model applies a small monthly fee to purchases, but it is worth the investment, especially when purchasing higher-value items. Purchases worth more than US$100 are now eligible for the program.

When is the U.S. Bank Visa® Platinum Card not worth it?

If you are looking for a card that accumulates points to plan your trips, the U.S. Bank Visa® Platinum Card is not the best option. It is because the product focuses on offering conditions for you to organize your financial life. 

However, if your need is to plan a trip, for example, other card models may better meet your needs, such as:

• Chase Sapphire Preferred® Card;
• Capital One Venture X Rewards Credit Card;
• Chase Sapphire Reserve®;
• The Platinum Card® from American Express.

Meanwhile, other card models may also be attractive for those looking for 0% APR, such as the Citi Rewards+® Card and the Wells Fargo Reflect® Card.

Other widespread benefits on different cards that require the same credit score range are also not available to those applying for the U.S. Bank Visa® Platinum Card.

However, even though these advantages are so essential for some users, U.S. Bank provides possibilities concerning the financial health of its customers.

The U.S. Bank Visa® Platinum Card is the bank's flagship product regarding the 0% APR introductory offer. However, the bank also offers other credit cards with benefits for all consumer profiles.

How to request the card?

You can do the card application process through the bank without intermediaries.

For your approval to happen, however, it is necessary to maintain a good credit score, in a range between good and excellent.

However, the U.S. Bank can establish suitable profiles based on its parameters to grant the benefits of all its financial products.

Therefore, to find out more and check whether your subscription proposal will be successful, try to apply to analyze the bank's return and your final consumption qualification.