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➡ Click here: Us bank platinum credit card
Before submitting an application, always verify all terms and conditions with the offering institution. I would recommend this card to anyone out there looking to purchase it. However, that's not a huge detriment to the card.
It is also not advised to be making large purchases while trying to manage a balance. I only got it because I shop at Hobby Lobby a lot and could use the jesus. Card Chase Freedom U. Bank may change APRs, fees and other Account terms in the future based on your experience with U. Bank will credit your FlexPerks Business Edge Travel Rewards card account with FlexPoints as follows. Bank Visa Platinum card each month. You can glad her by e-mail at and on Twitter. Bank credit cards rated Best For Credit Card Annual Fee Our Rating Avid travelers U. This is designed to help you pay a balance faster. This benefit does not cover cellular telephones that are lost or experience sincere failure or issues. We apply your payments to balances with lower APRs first.
It also comes with some extra perks, but the card does require excellent credit, which is generally considered to be credit score above 750. You must notify the Benefit Administrator within 60 days of the theft or damage, and submit your completed claim form and supporting documentation within 90 days of the theft or damage. The Secured Visa comes with Visa protections: zero fraud liability, fraud notification and car rental insurance. FlexPoints will be awarded as long as your Account is open and not 5 days or more past due at the close of your billing period.
Leaving? - It was approved quickly, and my monthly payments were extremely low. I would definitely recommend this card to anyone that is looking to get their credit back up, or just to use to pay off some gifts.
It can also help you pay down a balance faster. I gave this card one star because 0 stars wasn't an option. I closed this account because of EXTREMELY poor customer service. When I did so, no one told me I couldn't use the rewards I had accumulated - these were all lost. I complained and was told I'd get a call back. When I did finally get someone on the line they said I would have to reapply for another card to get the rewards. Even though they have all my info as I'd been a long time customer. Discover, American Express, other Visas - no other card company has treated me so dismissively. I would strongly urge anyone thinking of applying for a Visa to go elsewhere. THEY WILL SCREW YOU WHEN THEY HAVE THE CHANCE. THEY COMPLETELY WIPED OUT MY PERSONAL CHECKING ACCOUNT AND WITHDREW MY ACCOUNT. THEN ON FEBRUARY 7TH, 2017 I USED THE CREDIT CARD TO CHARGE A TRIP TO EUROPE. THERE EXCUSE WAS THAT IT WOULD TAKE AN ENTIRE CYCLE TO TAKE EFFECT. NOW MY CHECKING ACCOUNT HAS A NEGATIVE BALANCE AND I HAVE MY MORTGAGE AND OTHER PAYMENTS I CAN'T PAY. THEY SAID THEY CAN REFUND SOME OF THE MONEY BACK BUT IT COULD TAKE UP TO 14 DAYS! WHAT AM I SUPPOSE TO DO IN THE MEANTIME? Only a 1,000 CL. I usually never carry a balance but the 0 percent is attractive item. Have a world MasterCard with a 5,000 limit so disappointed with only a 1,000 but considering how low my score is I guess that is fair. I do carry an active checking with US Bank. Never received an immediate approval Have to call Verify info and have never been denied. Nice Bank Appear to be very loyal to their customers. Bank Visa Platinum Credit Card has been my absolute favorite credit card that I have ever had. The reason for this is not only their incredibly low rates and low fees. If I am going to be completely honest, the reason I like this card so much boils down to two things. This first and foremost is the trial 0% APR fee on transfers and initial purchases; that enabled me to get a lot of things I wanted without having to save up first. Second, their customer service is second bar none. Anything that may come up will be swiftly handled. Bank Visa Platinum Credit Card is available to those with excellent credit a FICO score of above 720. This card does not offer rewards, such as cash back for purchases, which is a major drawback for many card users. However, if you have excellent credit, as is required for using this card, having the funds to make purchases and payments isn't an issue. The interest rates are low, with 0% for the first 15 months you use the card. Based on your creditworthiness, you may start with a rate of 10% after that period, which is fairly competitive. Some smaller, lesser-known cards offer slightly lower rates, but can be harder to get. Additionally, there is no annual fee. If you have a US Bank account, you can view current statements, account history, make a payment from your U. Bank Checking or Savings account. One's credit limit can be raised over time, and shouldn't be lower than what one needs to start with. Customer service for this card is generally good, with help knowing what to do and helping resolve the issue. US Bank also offers additional benefits. One is FlexControl, which is a free online tool that can help you avoid interest fees and late fees with automatic payments. This is designed to help you pay a balance faster. Bank also has Overdraft Protection, which can automatically transfer funds from a U. Bank Visa Platinum account into your checking account. Balance Transfers to a U. Bank Visa from higher interest rate credit accounts are also possible. Online banking customers can receive an Experian credit score for free. Consequently, it is not going to be a complete overview of your creditworthiness, and it is recommended to check your FICO score and Vantage Score as well, as they are the two most widely-used scores. Last, cardholders can pay bills online to a variety of companies that do not normally accept credit cards including insurance companies, electric utilities, and telephone service providers. This bill pay service is free. A drawback of the card is the Balance transfer fee. Bank Visa Platinum Card charges a 3 percent balance transfer fee, something that other cards do not. Also, this 3 percent fee is only for the first 30 days. The card also offers car rental insurance is useful, but this benefit is also available with many other credit cards, and has been known to have strict rules that, if not followed, can cause confusion. If you have fair credit and are looking to pay off large credit card balances, can deal with the transfer fee, and appreciate a free credit score, this card is a good choice. If you have excellent credit and little to no credit card debt, a card with a rewards program is a better option. It's my do everything, go everywhere card that's with me for everyday purchases and for emergencies. The intro 0% on purchases and balance transfers for 15 months is one of the best deals out there and the APR is reasonable too. To top it off their online account management is one of the best around. I've had my card for a few years now and have never had an issue. I've had my card for about 3 years now, and I've never experienced problems with it. The one down-side to the card is that it does not offer cash back on anything. However, that's not a huge detriment to the card. My favorite feature about the card is that paying online is very simple if you already have a US Bank Checking or Savings account. I absolutely love US Bank and how helpful the company has been, but I have had a couple instances where everything is not handled in a proper manner. For instance, I got married almost 3 years ago. I have changed my name, but they still put everything in my maiden name. If I go to my main profile, I have changed everything to my married name, but for some reason, US Bank is holding on to my maiden name. I love the different credit cards they offer, and I would highly recommend this bank. The one thing that US Bank struggles with is that they need to make sure they have all their information up to date. They were actually very cool and didn't report it or raise my interest rate. Luckily my credit score wasn't affected. I was even able to get my husband added as a co-owner of the card. They said that they will raise the limit soon. I'm sure I could do it now, but we are trying to buy a house so I don't want any inquiries on my credit report right now. This card has been very useful and is accepted almost everywhere. I'm pretty sure I've had it longer than my husband: … I recently just signed up for the visa platinum card, and is the first card I have ever been issued. The rate given with the card is very good for a person just starting to build their credit. My first purchase made with the card was a Fender guitar that retailed around three hundred dollars. I have been making my payment every month and with online payments, it is very easy to get your balance paid. That reminds me, I need to pay my next payment by November 19th haha. Also, there is no annual fee for having the card, which as a customer makes me as delighted as can be. My credit limit has increased steadily over time, and has never been lower than my needs for it. I am able to pay it off through their website and receive an email every month to do so, so I've never been late or had any problems. I have used it while traveling and abroad with no problems. As a customer, I'm very happy that there is no annual fee. The card has been great for my credit rating. Although I kept the US Bank Credit card I did not stay a customer of the bank, they helped me a great deal in getting my first student credit card that helped to boost my credit to an excellent rating and then visa uped my card to the platinum visa so for that I am thankful. I have the US Bank Visa Platinum Credit Card, and I find it really convenient, and it helps build a good credit score. I really liked the introductory 0% interest rate for more than a year, and the non-existent annual fee. Another great thing about this card is that I get alerts for suspicious activity in my card, and I can pay it anytime online. For all these reasons, I will continue to use this card. In a tight spot, It's what helps get through a few days until I have actual money instead of just a line of credit. It's pretty awesome that It's tied into my US bank account as well, making thing way easier and requiring less annoying micromanagement on my part. Seriously, micromanaging this kinda thing would probably drive me crazy, and would only get worse as time went on. It looks really cool too. I mean hey, who doesn't like a shiny card? Looks good in the wallet, makes purchases easy, and is tied up into one neat little package. I like how it's connected to the rest of my US Bank account, so that I can easily pay bills for it. It also has a respectable interest rate that is lower than most of the other offers I get from credit card companies. I don't know what I'd do with out my US Bank Platinum card! On a side note, I even like the look of it. I know it's fairly superficial, but it still makes it even better. Who wouldn't want a platinum card? Then again, I wouldn't mind a black one, but platinum is certainly up there in terms of quality and elegance. I use it for everyday: grocery shopping, eating out, and for those bigger ticket items. I love that there is no annual fee for this card and by making my low monthly payments on time, I'm not charged outrageous interest charges. Visa is accepted everywhere and I've never been denied when using this card. I also love the convenience of doing my banking online. When I see an inconsistency on my billing statement online, I know that I can just pick up the phone and call the customer service and they will quickly help me. The customer support is so helpful and always alert me of suspicious activity and protect me from fraud. This is the only card I need and I tell my friends whose wallets are full of other credit cards to just get one like mine. S Bank Credit Card for five years now and I have had very few issues with it. The monthly minimum is very low and manageable. The interest adds up to a couple additional dollars a month. My card is accepted every where. I don't use my card often enough to really receive reward benefits, but that does not bother me much. I use another card a little more and get benefits from that. The customer service is extremely helpful. I've had to call them a few times from companies double charging me for things. Everyone I've talked to has done what I asked and continued to communicate with me to let me know my problem has been resolved. I plan to cancel a few of my cards at the end of the year but my U. S Bank one won't be on that list. The card is too valuable to dispose of anytime soon. Once doing so I was offered to pick up this card and I decided to take a chance at it. I was approved for the card, and I have been using it since I have received it. So far I have not had any problems at any store with the card. I tend to buy whatever it is I need to buy with the credit card, and then pay it off at the end of the month in order to try and establish better credit. The fees for this card have been really nice and low for me. I have contacted customer service once or twice, due to an error while accessing my card online, and they were really helpful and fast about it. I did not have to wait on hold for longer than five minutes. I would really love to recommend people to get this card if you can, because it is really nice and the fees for it are pretty low for a credit card. I had a smattering of other cards that I rarely used that kept low balances. Now I have transferred all my credit card balance to this card, and it's much easier to keep track of. The low interest rate is obviously the big selling point here, but I've found that the customer service is surprisingly good for a 'big bank'. I wish there was more ways to deal with the ins and outs of this card online, but for now the service is adequate enough that I will continue to use the service. I would recommend this card to just about anybody who can get it! It was approved quickly, and my monthly payments were extremely low. I was able to use this card to get my credit up in no time. It is very easy to pay off each month, especially if you do a lot of banking online. Another nice benefit of the card, is they would email me once a month with special offers for using this card. Each month it was a different offer, some of them were great. I would definitely recommend this card to anyone that is looking to get their credit back up, or just to use to pay off some gifts. It was sent to me with a pre-approval of several thousand dollars and a very low interest rate. The interest rate was some competitive and customer service is friendly. I kept the card for emergencies only, but it is seldom that I use it. Overall, they are an easy company to deal with and it is an average card. I also have my home mortgage with US Bank, so after about a year of making mortgage payments on time, I decided to apply for their Visa card. But miraculously, I was approved for a credit limit of several thousand dollars, and an interest rate of just under 10%. I think the reason for that approval and the high credit limit was due to my excellent mortgage payment record from the previous year. That was three years ago and since then, I have basically cut up all of my other cards because of their high interest rates and unusually high monthly payments , and just kept the US Bank Visa card. The customer service at this bank is extremely friendly and helpful. They seem to go out of their way to help you with any sort of banking problem. I like to use this credit card when I don't have any other way of making a payment. The interest rate is 13. The only mistake I make when using a credit card , is that sometimes I charge more than what I can pay back at once. So with that said I usally end up paying the minimum payment or a little bit over that amount. Overall this is a good credit card to use and it is very convenient. As a user of this card I found it to be very useful and practical. The high amount that the card lets me use as credit is very useful. With this high amount I could finally replace the old tires on my car, I did not have that amount to spend at the time and I chose to pay it off with this card. Bank Platinum Credit Card has been nothing but great for me. I will have had the card for 6 months starting in June. The card gives me a pretty good credit limit. It is not too high and it is not too low. It is great for emergency uses, and the fact that there is no maximum or minimum for spending works out great for me. Customer service is very polite and prompt. They will make sure that they help you with anything that you may need help with. The Bank is also great with staying on top of fraudulent activity with accounts. What I mean by that is, they watch out for your account to make sure no one has hacked your account or has stolen your credit card. If they believe something fishy is going on with your account they will immediately freeze it and contact you. That is both good and bad, because when that happened to me it was actually me who was spending and no one had stolen my card, so it just made it a hassle for me, but hey, better safe than sorry. I would recommend this card to anyone out there looking to purchase it. We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, its accuracy. Before submitting an application, always verify all terms and conditions with the offering institution. Please if you notice any differences. Advertising may impact how and where offers appear on this site including, for example, the order in which they appear. At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products. Irrespective of whether an offering institution is a paid advertiser, the presence of offer information on WalletHub does not constitute a referral or endorsement of the institution by us or vice versa. Furthermore, offers have not been reviewed or approved by the offering institution. Information is displayed first and foremost to help consumers make better decisions. Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by the issuer. Last updated on: August 8th, 2018 at 12:23 WalletHub is an independent comparison service. We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, its accuracy. Before submitting an application, always verify all terms and conditions with the offering institution. Please if you notice any differences. Advertising may impact how and where offers appear on this site including, for example, the order in which they appear. At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products. Irrespective of whether an offering institution is a paid advertiser, the presence of offer information on WalletHub does not constitute a referral or endorsement of the institution by us or vice versa. Furthermore, offers have not been reviewed or approved by the offering institution. Information is displayed first and foremost to help consumers make better decisions. Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by the issuer. Offer last updated: Aug 8th, 2018 at 12:23 ET.