The US Bank Visa® Platinum Card has not received any new applicants as of March 2025, but existing cardholders can still use the card.
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When it comes to credit cards, there are several options to choose from, including cashback cards, travel cards, cards built with specific credit scores in mind, such as cards built with specific credit scores in mind, such as bad credit. But if your goal is to find an unadorned balance transfer card with generous referrals Annual Rate (APR), CitiSimplicity® Card* Or is now deprecated US Bank Visa® Platinum Card*May be suitable for your wallet.
These major advantages Balance Transfer Credit Card They say you allow you to pay back your current credit card debt and pay back your current credit card debt while saving interest and fees. However, if you want to earn credit card rewards or welcome bonuses, you may need to consider other card options.
Here are some tips on how these cards are best for you, including the benefits of these cards and credit score requirements, compared to each other.
Main details
| card | City Simple Card | US Bank Visa Platinum Card |
|---|---|---|
| Remuneration rate | n/a | n/a |
| Welcome bonus | n/a | n/a |
| Intro APR at the time of purchase | 0% for 12 months at purchase | 0% Introduction to APR when purchasing your first 21 billing cycles. |
| Intro APR on Balance Transfer | 0% for 21 months with balance transfer | n/a |
| Normal April | 18.24%-28.99% (variable) | 17.74%-28.74% Variable |
| Balance transfer fee | 18.24%-28.99% (variable) | n/a |
| Annual fees | $0 | $0 |
City simplicity and US Bank Visa Platinum Card highlights
Which cards will save you more?
Your savings depend on whether you purchase this card, use it to transfer your balance, and how quickly you can pay off your debts. With these factors in mind, here is a breakdown of the amounts you pay each month to clear your debts.
Example of balance transfer
You can make a balance transfer with US bank Visa Platinum, but it is not wise as it is likely that you will no longer be eligible for the intro APR offer on balance transfers. This means you will immediately pay interest on your card balance.
Let’s say $5,000 has been issued Credit card debt Transferred to a new card within the first month of opening an account. Transferring that balance to any card will result in a $150 balance transfer fee, which will result in a total balance of $5,150. Also, let’s say you get an average continuous APR on both cards, so you get 24.24% on US Bank Visa Platinum and 24.62% on City Simple. This is a breakdown of how long it takes to repay each balance and what you spend on interest, depending on your monthly payment.
| Monthly payments for both cards | Total interest and time to repay balances for city simplicity | Total interest and time to repay the balance of US Bank Visa Platinum |
|---|---|---|
| $250 | Time to repay your balance: 20 months Total Interest: $0 |
Time to repay your balance: 28 months Total Interest: $1,611 |
| $205 | Time to repay your balance: 25 months Total Interest: $183.24 |
Time to repay your balance: 36 months Total Interest: $2,163 |
| $175 | Time to repay your balance: 30 months Total Interest: $280.10 |
Time to repay your balance: 46 months Total Interest: $2,827 |
In total, if the card had an average ongoing APR, it would cost far less for City simplicity than for US Bank Visa Platinum. The average interest rate on both cards is above the average current credit card interest rate, so if you can’t use the Intro APR offer, you may not have one.
Buy example intro offer
If you are trying to repay a purchase, things will change. US Bank Visa Platinum has only recently been discontinued, so current cardholders can enjoy the intro APR offer with purchases up to 2026. So, let’s say you spend $3,000 on a new purchase within the first month of opening a card account. In this example, we use the same continuous APR of 24.24% on US Bank Visa Platinum and 24.62% on City simplicity. Depending on how much time you can pay back each month, here is how long it will take, and how much you will pay for profit.
| Monthly payments for both cards | Total interest and time to repay balances for city simplicity | Total interest and time to repay the balance of US Bank Visa Platinum |
|---|---|---|
| $300 | Time to repay your balance: 10 months Total Interest: $0 |
Time to repay your balance: 10 months Total Interest: $0 |
| $200 | Time to repay your balance: 16 months Total Interest: $25 |
Time to repay your balance: 15 months Total Interest: $0 |
| $150 | Time to repay your balance: 21 months Total Interest: $124 |
Time to repay your balance: 20 months Total Interest: $0 |
The US bank Visa Platinum’s introductory APR period is 21 months, so as long as you pay everything within that period, you won’t pay interest. However, the simplicity of the city makes that same time frame even more expensive for you.
We only offer a 12-month introductory APR period for your purchase, so if you can’t afford a monthly payment, you will need to pay interest. If you can only pay $200 a month, you’ll pay it back in 16 months with $25 interest. If you can only pay $150 a month, you can pay a total of $124 in interest in 21 months.
So, if you have a large purchase on the horizon and are hoping to use one of these cards, it’s better to use Visa Platinum unless you’re sure you’ll be able to fully pay off your balance within 12 months.
Why do we need to get the simplicity of city?
The simplicity of the city is worth it If you want to pay off your debt, it’s to offer one of the longest zero-in testing periods available in today’s market, but it’s not always the best if you want to fund a larger purchase in the future. Below are a few other reasons to consider cards.
Why do I need to get a US Bank Visa Platinum?
The US Bank Visa Platinum Card is worth it if you’re interested in paying back a large amount of purchase, but as it’s in place, we recommend looking for another balance transfer card. If you already have a US bank Visa Platinum but don’t use it, you may be able to contact the issuer about replacing it with another card. There are a few benefits to keep in mind with similar cards.
Conclusion
City simplicity and US Bank Visa Platinum have a handful of outstanding benefits, such as a 0% introductory APR period and low rates. However, City’s simplicity is a clear winner as it is available to new cardholders.
Before deciding to apply, read the list of Bankrate’s best balance transfer credit cards and 0% intro APR’s best cards to see if another option piques your interest.
*Information on CitiSimplicity® Cards and US Bank Visa® Platinum Cards is collected independently by Bankrate.com. Card details have not been reviewed or approved by the card issuer.
