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U.S. Bank · Visa

U.S. Bank Visa® Platinum Card

★★★★★ 4.5 Wafacard score
Issuer page Confirm current terms on the issuer website
Annual fee
$0
Rewards rate
1x
Intro offer
Intro APR terms may run for 21 months. Confirm eligible balances, purchases, and post-intro APR with the issuer.
Recommended credit
Excellent (720+)
Fees and terms

Rates and fees can change by applicant profile and issuer updates. Confirm current terms on the issuer website before applying.

Annual fee
No annual fee
Purchase APR
APR range: 0% - 29.74%
Balance transfer APR
0% intro balance-transfer period for 21 months; variable APR applies after.
Cash advance APR
APR range: 31.24%
Promo APR length
21 months
Foreign transaction fee
Check issuer terms
Late payment fee
Up to $41
Grace period
21 days
Recommended credit
Excellent (720+)
Terms last updated
6/22/2026
Key benefits
  • Intro APR or transfer-focused terms
  • Cell phone protection may be available
  • No yearly card fee
Rewards breakdown

Wafacard summary: this everyday credit card shows rewards earning from 1x depending on where the card is used. Confirm category definitions and caps with the issuer before applying.

Intro offer: Intro APR terms may run for 21 months. Confirm eligible balances, purchases, and post-intro APR with the issuer.

Card details

Wafacard note: key fit signals include intro apr or transfer-focused terms, cell phone protection may be available, no yearly card fee. Availability, exclusions, and enrollment rules can vary by issuer terms.

Issuer
U.S. Bank
Network
Visa
Type
general
Review status
Terms reviewed 6/30/2026

Is U.S. Bank Visa® Platinum Card worth it?

The U.S. Bank Visa® Platinum Card is a no-annual-fee general card from U.S. Bank, so you can keep it long term without paying to hold it. It lists 1x on eligible spending, and the breakdown below shows how that earning applies across categories. New cardholders may also qualify for a welcome offer: Intro APR terms may run for 21 months. Confirm eligible balances, purchases, and post-intro APR with the issuer. It is generally aimed at applicants with excellent (720+) credit, with a purchase APR around APR range: 0% - 29.74%. Confirm current terms on U.S. Bank's site before applying.

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