Pros

Long Introductory APR Period: The U.S. Bank Visa® Platinum Card provides a 0% introductory APR on purchases and balance transfers for 18 billing cycles.

Your Credit Score: View your credit score anytime, anywhere in the mobile app or online banking. It's easy to enroll, easy to use and free to U.S. Bank customers.

No Annual Fee: This card doesn't charge an annual fee, reducing costs for cardholders.

Auto Pay & Due Date Choice: Avoid interest and late fees with automatic payments that put you in control. Pick a payment due date that works for your schedule.

Cons

No Rewards Program: This card doesn't offer any rewards or cash back on purchases.

Balance Transfer Fee: There is a fee for balance transfers which stands at the higher of $5 or 3% of the transfer amount.

Foreign Transaction Fees: A 3% foreign transaction fee applies, making it less optimal for international usage.

No Sign-up Bonus: Unlike some other cards, this one does not provide a sign-up bonus.

Why Choose It

The U.S. Bank Visa® Platinum Card is a no-nonsense card that provides simplicity and savings, particularly for those who are looking to finance a large purchase or consolidate debt. With one of the longest 0% intro APR periods available, this card allows ample time to pay off balances without accumulating interest. While it may not offer a rewards program or sign-up bonus, its cell phone protection perk is a unique and valuable feature. If you're the sort of person who values practical benefits over frills and cash back, then this is the card you've been waiting for.