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Home»Credit Cards»Which cards still offer a 21-month intro APR?
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Which cards still offer a 21-month intro APR?

February 25, 2025No Comments1 Min Read
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Which cards still offer a 21-month intro APR?
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U.S. Bank Visa® Platinum Card image

U.S. Bank Visa® Platinum Card

  • The U.S. Bank Visa® Platinum Card* offers a limited-time intro 0 percent APR for 21 billing cycles on both balance transfers and purchases (then a 17.74% – 28.74% Variable). The card also offers cellphone protection if you pay your mobile bill with the card, making it comparable to the Wells Fargo Reflect card.

    • Intro balance transfer APR offer:  0% introductory APR on balance transfers for the first 21 billing cycles.
    • Intro purchase APR offer: 0% introductory APR on purchases for the first 21 billing cycles.
    • Ongoing APR: 17.74% – 28.74% Variable
    • Balance transfer fee: Either 5% of the amount of each transfer or $5 minimum, whichever is greater.

  • Green circle with a checkmark inside

    Pros

    • It’s one of a few cards to feature a long intro offer on both purchases and balance transfers.
    • You won’t get hit with a penalty APR with this card.
    Red circle with an X inside

    Cons

    • You only have 60 days to complete your balance transfer to qualify for the introductory APR, while competitors offer longer time frames.
    • There’s not much long-term value beyond the intro period.

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See also  Want to score a big credit card welcome offer? Our analysis shows when you might have your best chance
21month APR cards intro offer
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