U.S. Bank Visa Platinum benefits guide

If you have outstanding credit card debt or need to make a substantial purchase, the U.S. Bank Visa Platinum card could help save money with its 0% APR offer on balance transfers and purchases as well as its no annual fee structure and cellphone protection coverage of up to $600 per claim with only $25 as a deductible fee.

TransUnion also provides you with free access to your VantageScore credit score and alerts you of major changes, plus allows you to choose your own due date.

Free credit score access

If you’re in search of a credit card with an extended intro period, the U.S. Bank Visa Platinum might be right up your alley. Offering an above-average 0% APR on purchases and balance transfers for 21 months at no annual fee makes this card ideal for people trying to pay off debt quickly. Plus, as it reports your payment history directly to credit bureaus on time every time, regular on-time payments could help improve your score!

The card also comes with additional benefits. These include accessing your VantageScore from TransUnion free of charge and being alerted of any significant changes to it; this enables you to quickly detect suspicious activity on your account before it becomes an issue. Furthermore, its cellphone protection coverage reimburses up to $600 (minus $25 deductibles) per claim when used to pay cell phone bills; claims can be submitted up to two times annually.

Consumers with excellent or good credit can apply for this card; if you have poor credit, however, work should be done to improve it before applying – for instance by avoiding large purchases and paying down existing debt before applying. You could also try getting a card with lower limits but be mindful that you pay your total bill before the introductory APR expires if this option is chosen.

Cell phone insurance

U.S. Bank Visa Platinum credit cards offer many features designed to help manage finances and build your credit, such as free access to your credit score and cell phone insurance coverage. They also report timely payments directly to credit bureaus allowing you to improve your score while building up an excellent history.

This card is open to people with good or excellent credit and charges no annual fee. Furthermore, its low introductory rate on purchases and balance transfers lasts 21 months; making this feature attractive for anyone seeking interest-free repayment of debt. However, this low APR only applies for new balances; any existing balances continue their existing APR after this introductory period has passed. Unfortunately this card does not come with sign-up bonuses, rewards programs, or any other perks.

After reviewing the terms and conditions, you can apply online for your card via the official website. After filling out an application form with general financial data and proof of identity and address verification, submit your form and you’ll be contacted with more details on what will become of it.

Not only can this card offer 0% APR on purchases and balance transfers, it offers other useful benefits too. These include setting recurring bills on it with ease using mobile apps to track spending. You also gain up to $600 of coverage against theft or damage for your cellphone (subject to a $25 deductible) when paying monthly bill with it.

This card may not offer many perks, but it still can make for an effective solution when looking to pay off debt or build credit. Features that could make this an attractive choice include free access to VantageScore from TransUnion which notifies users when their score changes and no foreign transaction fees or identity theft protection fees charged on foreign transactions – both features that could help users. Those looking for something with more robust rewards programs, travel benefits or additional perks should look elsewhere.

No annual fee

No annual fee cards can be an ideal solution to reduce costs and keep debt at a manageable level. They’re especially suited for people with good-to-excellent credit who do not plan on making large purchases or carrying a high balance in the near future, though this card might not offer as many credit card rewards.

Apart from its lengthy 0% APR intro period, this card doesn’t offer many unique benefits. While ID Navigator helps prevent identity theft, many other cards offer this service and it can even be obtained for free from major credit bureaus. Furthermore, standard Visa card features such as automated payments and customizable due dates are included with it.

Comparative to other balance transfer cards, the U.S. Bank Visa Platinum doesn’t come equipped with many extra features – like rewards programs or welcome offers – but it does come equipped with cell phone protection coverage of up to $600 per claim (minus $25 deductible) should your phone become damaged or stolen.

The card includes some additional charges that might not be as appealing, such as a 3% balance transfer fee with a $5 minimum and 3% foreign transaction fees in either US dollars or the currency of your destination country – these should not be major deterrents when considering balance transfer cards.

U.S. Bank Visa Platinum may provide an extended 0% APR period and cell phone protection feature, but isn’t the ideal card for paying down credit card debt due to its lack of significant rewards or purchase protections. Furthermore, its high 3% APR after the 0% APR period ends isn’t ideal for people carrying large balances; you should research other balance transfer cards that offer more generous offers instead – using WalletHub’s free balance transfer calculator might help compare offers before applying.

0% APR on purchases and balance transfers for 21 months

If you’re seeking a credit card with an extended 0% APR period, the U.S. Bank Visa Platinum Card could be ideal. Offering an introductory 0% APR period on balance transfers for 21 months and 12 months on purchases, no annual fee, penalty APR for late payments and free access to VantageScore services from TransUnion make this card an attractive choice for those hoping to build their credit while avoiding debt interest charges.

Keep in mind, however, that the 0% APR period won’t last forever and therefore it would be wiser to use your card for specific purchases that can be paid off within its interest-free period – for instance if you plan to buy a car this could give you plenty of time and savings in paying off debt while saving money along the way.

Another big advantage of this card is cell phone protection: If you pay your monthly cell phone bill with it, up to $600 of damage or theft coverage (with a $25 deductible) may apply per claim (an unexpected bonus that makes this card an outstanding choice among no-annual-fee cards).

This card doesn’t provide standard travel or rewards perks, so it may not be ideal for people who value such benefits. But if you need a credit card to help pay off existing debt and build your score, the U.S. Bank Visa Platinum may be ideal; its fair credit requirement, no annual fee and generous interest-free period on purchases and balance transfers make it suitable for most.

To select the ideal credit card, it’s important to identify what features and benefits are most important to you, use our calculators to see how much savings could result from specific cards, then apply with confidence online – good luck saving!