The US Bank Visa Platinum Good Credit is a personal credit card from US Bank Visa Platinum. Application typically pulls a hard report from TransUnion. The annual fee is $0. The ongoing APR is variable, currently $ after a 0% introductory rate for 21 months. Approval typically requires a credit score of 700+ or higher. Signup bonus: $20 annual statement credit for 11 consecutive months of purchases.. Rewards: 4% cash back on prepaid air, hotel and car reservations booked directly in the Travel Center when you use your card.. Cash back: $20 annual statement credit. Typical credit limit: $1,000 - $25,000. This product reports activity to your personal credit report. Soft-pull pre-qualification is available — no hard inquiry to check approval odds. 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. 21 billing cycles 0% APR on purchases and balance transfers. No annual fee. Cell phone protection included. Extended warranty protection.