U.S. Bank Visa Platinum Card Review: 0% Intro APR for 20 Billing Cycles + Cell Phone Protection

My Money Blog has partnered with CardRatings and Credit-Land for selected credit cards and may receive a commission. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned.

The U.S. Bank Visa Platinum Card has been updated with a long 0% Intro APR offer and has an added side perk of cell phone protection. Here are the highlights:

  • 0% Intro APR on purchases and balance transfers for 20 billing cycles. After that, a variable APR currently 15.99%-25.99%.
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your U.S.Bank Visa® Platinum Credit Card. Certain terms, conditions, and exclusions apply.
  • Choose a payment due date that fits your schedule
  • Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
  • Terms and conditions apply.
  • No annual fee.

Balance transfer details. 0% introductory APR for the first 20 billing cycles for balances transferred within 60 days from account opening. After that, 14.74% to 24.74% based on your creditworthiness when you open your account.

Balance transfer fee is 3% of the amount of each transfer or $5 minimum, whichever is greater.

Cell Phone Protection details. You are eligible for Cellular Telephone Protection if you pay your wireless phone bill with a covered U.S. Bank Visa® Platinum Card. Coverage begins the first day of the calendar month after you make a payment. There’s no need to enroll in this benefit. Then if your cell phone is stolen or damaged, you may be eligible for reimbursement up to $600. A $25 deductible applies.

Cellular Telephone Protection provides coverage against damage due to, theft of, or involuntary and accidental parting of Your cell phone. Subject to full Terms and Conditions. Lost phones, rented phones, and prepaid phones are not covered.

Claim process: Go to www.cardbenefitservices.com or call to talk to a Benefit Administrator at 1-866-894-8569 to file a claim or get your questions answered. If you are outside the U.S., you can call collect: 1-303-967-1096.

Bottom line. The U.S. Bank Visa Platinum Card has been updated with a long 0% Intro APR offer and has an added side perk of cell phone protection. This may be of interest if you are still carrying a balance elsewhere at a higher interest rate. Of course, I encourage paying off credit card balances aggressively as that is often the first step towards financial independence.

My Money Blog has partnered with CardRatings and Credit-Land for selected credit cards, and may receive a commission from card issuers. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned. MyMoneyBlog.com is also a member of the Amazon Associate Program, and if you click through to Amazon and make a purchase, I may earn a small commission. Thank you for your support.

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