In today’s economy, it’s important to have a credit card that offers solid benefits. And if you’re looking for a card that will help you build your credit score, the Platinum Credit Card from US Bank is an excellent option. In this blog post, we will take a closer look at the card and its features to see if it’s right for you. We also provide a review of the card’s customer service so that you can get the most out of your experience.
The Us Bank Platinum Credit Card: What You Need to Know
If you are looking for a great credit card that offers some serious benefits, the US Bank Platinum Credit Card is worth considering. Here’s what you need to know before applying:
The US Bank Platinum Credit Card offers some serious perks, including:
– A 1% rewards bonus on all purchases, which can add up to big bucks over time.
– No annual fees.
– $0 foreign transaction fees.
– The ability to borrow up to 50% of your card limit in case of an emergency.
While the US Bank Platinum Credit Card does come with a few limitations, such as a low borrowing limit and no cash back rewards, it’s overall an excellent choice for those looking for a top-notch credit card option. If you’re interested in learning more about this card and applying for it, be sure to check out the full review here!
The Rewards Program
The rewards program is one of the best features of the US Bank Platinum Credit Card. The card offers a number of rewards that can be used to purchase anything from travel to groceries. There are also a variety of other benefits that come with being a cardholder, like waived annual fees and priority customer service.
There are a number of different ways to earn rewards with the US Bank Platinum Credit Card. You can earn points when you use your card for everyday transactions, shop at participating stores and categories, or redeem your points for merchandise or travel. Points can also be transferred to participating airlines and hotels.
The US Bank Platinum Credit Card offers some great benefits that make it an attractive option for cardholders. These include waived annual fees, priority customer service, and access to exclusive deals and discounts. Overall, the US Bank Platinum Credit Card is a great choice for those looking for a high-end credit card with plenty of reward options.
The Fees and Charges
The Platinum Credit Card from US Bank offers great benefits and a low annual fee. The card has an introductory 0% APR for the first 12 months and then a variable APR of 14.24%-26.24%. There is no foreign transaction fees and you can earn rewards on your spending, including 2 points for every dollar spent on purchases and 1 point for every dollar spent on cash advances. You also get 50% bonus points when you redeem your rewards for travel or cash back.
One downside to the Platinum Credit Card is that it doesn’t have any ATM access features, so you will have to use the card at merchants that accept US Bank cards. Another potential downside is that the card doesn’t offer interestfree financing, so if you’re not able to pay off your balance in full each month, there may be interest charges that apply.
How to apply for the Us Bank Platinum Credit Card
If you’re interested in applying for the US Bank Platinum Credit Card, there are a few things you need to know. First, the card offers a variety of benefits and perks, including:
– A 0% introductory APR on purchases and balance transfers for the first 12 months
– $100 bonus after you spend $500 within the first 3 months of signing up
– 2X points on travel and dining at US restaurants and 1X points everywhere else
– Free access to airport lounges worldwide
Once you’ve decided that this is the card for you, it’s time to get started. To apply, visit usbank.com/creditcard or call 888-435-4236 and provide your name, address, social security number (or PIN), date of birth, and credit score. You may also be asked to provide additional information such as income levels, debts, and assets. Once you’ve submitted your application, look for notification in your email inbox or on account statements beginning in late January or early February. If you don’t receive notification within 30 days of applying, please call usbank customer service at 888-435-4236 to check if your application was received.
The Terms and Conditions of the Us Bank Platinum Credit Card
The Us Bank Platinum Credit Card is a great card for those who want to enjoy the benefits of a credit card without having to worry about high interest rates. The card has an introductory APR of 0% for the first 18 months, and then a variable APR of 14.24-26.24%. In addition, there is no annual fee and you can earn cash back on your purchases. Here are some of the other benefits of this card:
– There is no limit to how much you can spend each month
– You can use your card for everyday purchases, including travel and restaurants
– There is no need to pay interest on balance transfers or cash advances
– You can keep your account open if you ever decide to switch lenders
– If you lose your card, there is a $0 liability coverage provided
Overall, the Us Bank Platinum Credit Card offers great benefits at an affordable rate. If you’re looking for a credit card that won’t charge high interest rates, this may be the perfect option for you.
The Bottom Line
The Platinum Credit Card from US Bank is a great option for those who want the benefits of a credit card, but don’t need all the bells and whistles that come with more popular options. The card has an annual fee of $0, no foreign transaction fees, and a 0% introductory APR on purchases and balance transfers for the first 12 months.
After the introductory period ends, the APR ranges from 13.24% to 25.99%. There is also a free year of Online Banking included with this card. The Platinum Credit Card offers some great benefits, but there are also some drawbacks. For example, this card doesn’t offer any rewards points like other popular cards do, and there is no cash back option. Overall, though, it’s a great option for those who want a credit card without all the bells and whistles.