Compare it to the Wells Fargo Reflect® Card
Similar to the U.S. Bank Visa® Platinum Card, the $0-annual-fee Wells Fargo Reflect® Card offers a 0% intro APR 21 months from account opening and 0% intro APR for 21 months from account opening on qualifying balance transfers (followed by a 18.24%, 24.74%, or 29.99% Variable APR). This would be a good choice if having a few extra months to pay off your new dining room set or consolidated credit card debt would be helpful.
On the downside, there is no rewards program with the Wells Fargo Reflect® Card. After you’ve paid off your intro APR purchases or balance transfers it probably makes sense to switch to a rewards credit card.
Compare it to the Citi Simplicity® Card
The U.S. Bank Visa® Platinum Card and the Citi Simplicity® Card are similar in that they both have a $0 annual fee, neither offer a rewards program and both assess balance transfer fees. The Citi Simplicity® Card offers a longer period of time in which to transfer your balance and gives you an intro APR of 0% for 12 months on purchases (after, a 19.24% - 29.99% (variable) APR applies) and an intro APR of 0% for 21 months on balance transfers (after, a 19.24% - 29.99% (variable) APR applies).
Also, the Citi Simplicity® Card does not assess late fees and there are no penalty APRs for missed payments. While it’s a good idea to make all your payments on time, you may enjoy the peace of mind in knowing that you won’t be penalized if you make a mistake.
Just know, the U.S. Bank Visa® Platinum Card requires you to transfer your balance within the first 60 days of account opening to take advantage of the balance transfer intro APR offer. In contrast, the Citi Simplicity® Card card gives members four months to make use of the promotional APR period on balance transfers.