So you won’t get much value from it beyond temporary interest savings. Bank Visa Platinum Card isn’t a rewards card. To benefit from this card’s best features, you need to be willing and able to repay enough each month to eliminate all or most of your debt before the promotional rate expires.Īlso important: The U.S. However, its standard APR is on the high side, so it may not be the wisest choice if you routinely carry a balance or if cash is so tight you’re unlikely to pay more than the bare minimum.

This card’s fee schedule is also lighter and generally more forgiving than what some competitors charge. For example, you’d need to pay just $278 a month to wipe out a $5,000 balance interest-free - assuming you have a strong enough credit score (somewhere in the good to excellent range) to qualify for the U.S. That makes it especially valuable to cardholders who need help paying off both new and old and credit card charges at a manageable pace. Bank’s signature no-annual-fee low intro rate card gives borrowers a longer-than-average period of time to pay down new and transferred card balances before a higher rate kicks in. Unlike many cards that cap interest-free periods at 12 or 15 months, U.S. Bank Visa® Platinum Card has long offered one of the most competitive introductory APR promotions around.

With an 18-billing cycle introductory APR period and reasonable fees, this card excels as a debt-busting helping hand, but we don’t recommend it for habitual credit card revolvers since its standard APR is steep. If leftover debt or soaring interest rates are stressing you out, opting for a longer introductory APR period credit card could help ease your mind.

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