Long intro 0% APR + one of the lowest BT fees among top-tier BT cards.
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Good–Excellent credit — 670+ FICO typical; hard pull required
ClearValue Rating: 4.1 / 5 — our editorial assessment (how we rate)
Editorial confidence (30%), cost (25%), value (25%), accessibility (20%) — scored consistently across every product, independent of compensation.
Large balance payoffs where a long runway and low fee combine for the best total savings.
The U.S. Bank Visa Platinum has no annual fee and a 3% balance transfer fee (minimum $5) — one of the lowest BT fees available for a card with a 21-billing-cycle intro window. The intro APR is 0% for up to 21 billing cycles on purchases and balance transfers; the regular variable APR applies after that. Verify the current regular APR at usbank.com before applying.
| Year 1 value | Ongoing value |
|---|---|
| 0% APR up to 21 billing cycles on BTs and purchases; 3% BT fee — best fee-to-runway combination on this list | No annual fee; regular variable APR post-intro; no rewards |
| Verify the current intro period length and BT fee at usbank.com before applying | |
U.S. Bank Visa® Platinum Card — Long intro 0% APR + one of the lowest BT fees among top-tier BT cards. Best for: Large balance payoffs where a long runway and low fee combine for the best total savings.. Compare it against alternatives before applying; the right fit depends on your situation, credit, and goals.
As disclosed by U.S. Bank (verified June 2026), the Visa Platinum charges a 3% balance transfer fee (minimum $5), which is meaningfully lower than the 5% fee on Wells Fargo Reflect for a comparable intro window. The tradeoff is that U.S. Bank is a regional bank with less brand recognition — the fee math is the feature.
No. ClearValue Lending is not a bank, card issuer, lender, or financial advisor. The U.S. Bank Visa® Platinum Card is issued and operated by U.S. Bank National Association. APRs, fees, and terms are determined solely by U.S. Bank and may change — verify current terms at usbank.com before applying.
Yes — as disclosed by U.S. Bank (verified June 2026), the Visa Platinum offers 0% intro APR on both qualifying purchases and qualifying balance transfers for up to 21 billing cycles. This dual coverage is useful if you're consolidating debt while also managing new spending during the payoff period. The regular variable APR applies after the intro period ends. Confirm any transfer initiation timeframe requirements at usbank.com before applying.
As disclosed by U.S. Bank (verified June 2026), the Visa Platinum provides cellphone protection when you pay your monthly wireless bill with the card. Coverage typically includes damage and theft — verify the current coverage limits, deductibles, and exclusions at usbank.com or through the Visa Benefit Administrator. This benefit is meaningful on a card with no annual fee and no rewards program, adding practical value beyond the intro APR window.
How we rate
Every pick gets a 1–5 ClearValue Rating computed from four weighted factors: Editorial confidence (30%), Cost (25%), Value (25%), and Accessibility (20%).
Scored consistently across every product and independent of any compensation. Full methodology →
See all picks, methodology, and side-by-side comparison in Best Balance Transfer Credit Cards 2026.
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