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ClearValue Cards

U.S. Bank Visa Platinum

U.S. Bank · 0% APR & Balance Transfer review

Scored against ClearValue's published methodology · Schumer Box terms as of
Best for Existing U
U.S. Bank
Worth considering

U.S. Bank Visa Platinum

77
/100
Annual fee
$0
Ongoing APR
17.74–28.74%
Intro APR
0% · 18 mo
Best for

Existing U

Fees sourced from issuer terms · 2026-08-17

ClearValue score
77/100
Worth considering

Existing U

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Sorted by score, never commission

Annual fee

$0

No annual fee, every year

Ongoing APR

17.74% – 28.74% variable

Variable — verify the current range at the issuer

Intro APR

0% intro APR on purchases and balance transfers for up to 18 billing cycles (existing cardholders only — closed to new applicants since 2025-03-17)

Then the ongoing APR applies

As of August 17, 2026

Best for

Existing U.S. Bank Visa Platinum cardholders keeping the card for its long 0% intro window and low intro balance-transfer fee. U.S. Bank closed the Visa Platinum to new applicants on 2025-03-17 and replaced it with the U.S. Bank Shield Visa — nobody can newly apply for this card today.

Not for

Anyone trying to open this card new — it isn't obtainable; U.S. Bank now directs new applicants to the Shield Visa. Existing holders who want rewards should also look elsewhere, since this card has no earning program.

The catch

This card can't be applied for anymore. U.S. Bank closed the Visa Platinum to new applicants on 2025-03-17 in favor of the Shield Visa; existing cardholders keep their terms and can keep using the card, but the application no longer exists. We keep this review live for existing-holder reference, not as an active pick.

Card facts

Sourced from the issuer's published Schumer Box and terms — confirm current numbers at the issuer.

Product specs

Annual fee
$0
Intro APR
0% intro APR on purchases and balance transfers for up to 18 billing cycles (existing cardholders only — closed to new applicants since 2025-03-17)
Ongoing APR
17.74% – 28.74% variable
Balance transfer fee
3% (min $5) within first 60 days, then 5% (min $5)
Schumer Box sourced
August 17, 2026

How we scored this card

See our published methodology — 5 dimensions, 0–20 each, 100-point total.

Effective rewards rate8 / 20
Fee structure19 / 20
Audience fit17 / 20
Transparency and trust16 / 20
The weakness, named17 / 20
Total77 / 100 · Worth considering

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Card alerts

Get an email when U.S. Bank Visa Platinum's offer changes.

We track U.S. Bank Visa Platinum's current offer and terms. We'll email you the moment they change — no checking back.

Frequently asked

Does the U.S. Bank Visa Platinum charge an annual fee?

No. The U.S. Bank Visa Platinum carries a $0 annual fee, sourced from the issuer's published Schumer Box as of August 17, 2026. Rates change — confirm the current terms at the issuer.

What APR does the U.S. Bank Visa Platinum charge?

17.74% – 28.74% variable. There is also an intro rate: 0% intro APR on purchases and balance transfers for up to 18 billing cycles (existing cardholders only — closed to new applicants since 2025-03-17). APRs are variable and set by the issuer — confirm the current range on the issuer's Schumer Box before you commit.

Who is the U.S. Bank Visa Platinum best for?

Existing U.S. Bank Visa Platinum cardholders keeping the card for its long 0% intro window and low intro balance-transfer fee. U.S. Bank closed the Visa Platinum to new applicants on 2025-03-17 and replaced it with the U.S. Bank Shield Visa — nobody can newly apply for this card today.

Who should skip the U.S. Bank Visa Platinum?

Anyone trying to open this card new — it isn't obtainable; U.S. Bank now directs new applicants to the Shield Visa. Existing holders who want rewards should also look elsewhere, since this card has no earning program.

How did ClearValue score the U.S. Bank Visa Platinum?

U.S. Bank Visa Platinum scored 77/100 — "Worth considering". We score every card across five dimensions (effective rewards, fee structure, audience fit, transparency, and the weakness named), 0–20 each. Scores are never influenced by commission. See our methodology for the full rubric.

Alternatives to the U.S. Bank Visa Platinum

Other 0-apr cards we've scored, ranked by our methodology.

This review carries no partner link and earns nothing from what you read here — our scoring is never influenced by compensation, and reflects only our published rubric. When you use our match tool, we may be paid by a partner (CardRatings) if you continue with a card from there. See our methodology and disclosure.
U.S. Bank Visa Platinum
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