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U.S. Bank VisaŽ PlatinumQuick Summary:
This Visa offer is issued by U.S. Bank. This card is intended for consumers, or "personal use" with a good to perfect credit history. APR's may vary among applicants, however the lowest standard APR is 11.99%* and may be as high as 23.99%* (Variable)*, depending on your credit worthiness*.Important Rates:
There is a balance transfer offer APR of 0.00% for 6 Billing Cycles*.There is also a purchase introductory APR of 0.00% for 6 Billing Cycles*. Be cautious that some card issuers may charge higher rates and fees for cash advances.
The lowest available APR is variable, meaning that the rate can change as U.S. prime rates fluctuate. You can find out how to compute your APR in the programs terms and conditions. For example, you may be instructed to add 8.74% to the U.S. prime rate.
There is no annual fee for this card.* Be advised that although the annual fee is listed as $0, there is a higher annual fee of $40 that exists for this card. This normally exists for "first year no annual fee" offers, or minimum spending requirements for the annual fee to be waived. You should read the additional details below or terms and conditions from the application for more information. Rewards:
This is not a rewards card. Credit Record Needed:
Based on the FICO score recommendation, applicants should have a great credit record. A FICO credit score of 693 is recommended for a higher chance of approval, but it is not required. There are a number of other factors that this issuer may also consider when making decisions for approval. Other Basics:
The grace period listed for the U.S. Bank VisaŽ Platinum is at least 24 days*. So interest charges will not be applied for purchases during those days. Be aware that some issuers will begin charging interest on cash advances and balance transfers on the transaction date. This card contains the brand of Visa, where acceptance is global. Most businesses that accept credit cards will accept Visa as a form of payment. Approval Rate:
There were 8 people that reported their status to us after they applied. They provided us with helpful qualification information, including their credit scores, the rates offered to them, household income and more. 75% of those applicants were approved.
This card has a poor approval or acceptance rate. Since this is a card for good credit, there may be a fairly strict standard for qualifications, including credit record and income level. Furthermore, if your FICO score is close to or higher than 693, then your chance of approval may be even greater. Approval Time:
Approval time for this offer is not listed. You could expect a possible instant decision, but you should expect a final credit decision within 1-2 weeks. Offer Details: Enjoy the buying power of the U.S. Bank Visa Platinum Card, plus higher credit lines, lower APR and no annual fee.* You'll receive 100% Fraud Protection, extended warranty protection and travel accident insurance.
Other Remarks:
Annual Fee: $0 the first year and every year that you charge at least one purchase to the account, otherwise $40
* Please see the credit card application for details about terms and conditions.
Reasonable efforts are made to maintain accurate information. However all credit
card information is presented without warranty.
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Consumer Card Rate Comparison
| APR | 11.99%* - 23.99%* (Variable)* | | Avg. APR | 15.86%** | | Annual Fee | $0* | | Avg. Annual Fee | $6.72** | |
** APR average does not include cards where APR is 0%, unless viewing offers in the secured card category. "Annual fee
average" contains the average of all fees in a specific category (Consumer cards), even where the fee is $0. This data is subject to Finance Globe's
terms and conditions.
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