The U.S. Bank Visa Platinum is a personal credit card from U.S. Bank Visa Platinum. Application typically pulls a hard report from TransUnion. The annual fee is $0. The ongoing APR is 18.24% - 28.24% Variable after a 0% introductory rate for 20 months. Approval typically requires a credit score of 700+ or higher. Rewards: No rewards program.. Typical credit limit: Varies. This product reports activity to your personal credit report. Application rules: • 5/12 Rule: May deny if 5+ cards opened (any issuer) in past 12 months. Business cards may be exempt. • No repeat welcome bonus if you currently have same card open. Business cards unaffected. • No known velocity limits. Limits total credit — reallocating credit may help with recon. • Personal = usually Experian/TransUnion. Business = TransUnion. • Status & Recon: (800) 947-1444 (press "1" for status). Recon: (800) 947-1444. Long 0% intro APR period for purchases and balance transfers.