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Consumer Reviews: US Bank Visa Platinum
Credit Scores and Lines
Consumer Reviews, Credit Score and Income Needed, Credit Limits

Picture of US Bank Visa Platinum
27 Reviews
Consumer Rating:
star ratingstar ratingstar ratinghalf star ratingno star rating3.7
Lowest:
620
Average Score:
703
Highest:
780
All
5 Star
22%
4 Star
37%
3 Star
29%
2 Star
7%
1 Star
3%
1 Star 2 Star 3 Star 4 Star 5 Star
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Credit Score: 681 Credit Limit: 2000 Age: 25-34
Posted 02/10 2015
Overall Rating: star ratingstar ratingstar ratingstar ratingno star rating
There isn't much special about this card but I got it with a 0% APR for 12 months. I've had some minor problems with my credit in the past so this gave me a chance to build and transfer my balance from a different card. I have a bank account with US Bank so it might explain why I wasn't approved for cards with other banks.
 
Credit Score: 725 Credit Limit: 3000 Age: 45-54
Posted 02/10 2015
Overall Rating: star ratingstar ratingstar ratingstar ratingno star rating
I like this card because it's simple and no annual fee except they are really big on security. It seems like recently every purchase has to be verified and I have to call to prove it's me making the purchase. This is fine and I get it, but it can be embarrassing when you are eating out or shopping.
 
Credit Score: 727 Credit Limit: 3500 Age: 35-44
Posted 02/10 2015
Overall Rating: star ratingstar ratingstar ratingstar ratingno star rating
My husband has been with US Bank forever so when we got married, I decided to bank with them also. I have another US Bank card that pays cash back so I use the cards together. One for when I'm grocery shopping and this one for other stuff.
 
Credit Score: 650 Credit Limit: 1000 Age: 25-34
Posted 02/10 2015
Overall Rating: star ratingstar ratingstar ratingstar ratingno star rating
Approved. I like the card. Received a limit of 500 at first but was increased after just 3 months.
 
Credit Score: 760 Credit Limit: 10000 Age: 35-44
Posted 02/10 2015
Overall Rating: star ratingstar ratingstar ratingstar ratingno star rating
I was approved for a decent APR of 10.99%, which is way better than the APR on one of my wife's cards so we transferred that balance to the 0% on this one. Our credit is okay, but we are trying to pay some things down and buy a house. I am happy with the Visa Platinum thus far.
 
Credit Score: 700 Credit Limit: 2000 Age: 35-44
Posted 01/27 2015
Overall Rating: star ratingstar ratingstar ratingstar ratingno star rating
My wife and I recently opened a new checking account with U.S. Bank and applied for the Visa Platinum to avoid paying bank fees. I was approved for 2000.
 
Credit Score: 735 Credit Limit: 9500 Age: 45-54
Posted 12/13 2014
Overall Rating: star ratingstar ratingstar ratingstar ratingno star rating
I have had a checking account with US Bank and applied for this card in the bank itself and received a $9,500 CL. Before I applied for this, I already had a secured card with US Bank. I told the bank officer that once I got approved, I wanted to cancel the secured card (and save on the annual fee and free up the deposit I had with them). My score was about 735 and like I said before, I have a US Bank checking account for a few years and my w2 gets deposited in the account.
 
Credit Score: 764 Credit Limit: 12000 Age: 25-34
Posted 12/13 2014
Overall Rating: star ratingstar ratingstar ratingstar ratingno star rating
Applied online and was instantly approved. $12k CL and 12.99% APR. Got 0% for 9 months.
 
Credit Score: 668 Credit Limit: 1000 Age: 35-44
Posted 12/13 2014
Overall Rating: star ratingstar ratingstar ratingstar ratingno star rating
I was going on a app spree and decided to get this card. Already got the Chase Sapphire Preferred and Amex Premier Rewards already. I got instantly approved for both and thought it would be the same for US Bank. But I got the 7-10 business day wait message and decided to call them up to check. The automated message said I was approved. A week later (after the card arrived), I found out that my CL was only 1k! Perhaps it is because my score was 668 (they pulled TU). But I had much larger lines with Chase so CL is puzzling for me to say the least.
 
Credit Score: 712 Credit Limit: 500 Age: 35-44
Posted 12/13 2014
Overall Rating: star ratingstar ratingstar ratingstar ratingno star rating
I had received an invitation from usb. Applied and was denied. Then I received another mail invitation about a month later. Tried my luck again and this time, they approved. CL is $500 (WTF) and a 12 month 1.99% intro rate. There is no rewards with this card and I have been simply using this card sparingly as I have other cards with higher limits.