U.S. Bank is one of the largest commercial banks in the United States. With thousands of offices in 25 states, the company is known for providing everything from credit cards to ATMs and much more.
Thanks to a U.S. Bank balance transfer credit card, consumers are able to leave their high interest debt behind them. With a 0% introductory rate, you are in position to payoff your debt over an extended period of time, without any fear of being hit with a finance charge. You can compare U.S. Bank credit cards online.
Before you do anything, it’s important to fully understand how the U.S. Bank balance transfer process works. You should address questions such as:
Have you reviewed the terms and conditions of the offer?
Are you familiar with the many U.S. Bank balance transfer credit cards?
Do you know how long the introductory rate will last?
By answering these questions, you’ll soon have a clear idea of the benefits associated with completing a balance transfer.
How to Get Started
Once you have all the necessary information under your belt, you can start the process of transferring your balance. You can do this in two ways:
Contact U.S. Bank via phone and request that they mail you a paper application.
Transfer your balance online.
Regardless of which option you choose, the next two steps include:
Recording your current balance and account number.
Contacting U.S. Bank online or via phone to make the transfer.
If you have any questions regarding the process, such as how quickly it initiates, contact a U.S. Bank representative.
U.S. Bank Balance Transfer Terms and Conditions
Transferring a credit card balance is a big deal, so you need to understand everything that goes along with it. The terms and conditions will outline a variety of details, such as:
Length of introductory rate
Penalties
Fees associated with the offer
Even though it will take some time, you should read every word of the terms and conditions. This will help you avoid an unexpected situation in the future.
Choose U.S. Bank
There are many credit card companies that have balance transfer offers, but U.S. Bank is among the best.
You should turn to this company if you are interested in a variety of offers, great customer service, and terms that suit the needs of most consumers.
Balance Transfer Credit Cards Similar to U.S. Bank
Earn a $150 statement credit after you spend $1,000 or more in purchases with your new Card within the first 3 months of Card Membership.
Unlimited 1.5% Cash Back on your purchases.
Cash Back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 14.49% to 25.49%.
0% introductory plan fee for plans set up during your first 15 months of Card Membership with Plan It®, a feature that lets you split up big purchases into monthly payments with a fixed fee.
Over 3 million more places in the U.S. started accepting American Express® Cards in 2017 and 2018.
0% introductory APR for the first 12 months. Applies to transfers made within the first 90 days from account opening. After that, your APR will be from 14.74% - 27.74%, based on your creditworthiness*
Earn 2 LifeMiles per $1 spent on Avianca purchases
Earn 1 LifeMile per $1 spent on all other purchases
15% discount on purchases of miles with Multiply Your Miles
No cap on the number of LifeMiles you can earn
0% Introductory offer for 12 months on Balance Transfers
You must be an Avianca LifeMiles member to apply
If you are not already a LifeMiles member, create your account here: www.lifemiles.com
Chip-enabled card provides added security
Auto Rental Collision Damage Waiver
Travel Accident Insurance
Protection against unauthorized charges
Emergency Card Replacement
Online Account Management
Electronic Statements
Auto-pay option
Avianca Vuela Visa® Card
0% introductory APR for the first 12 months. Applies to transfers made within the first 90 days from account opening. After that, your APR will be from 14.74% - 27.74%, based on your creditworthiness.*
Earn 3 LifeMiles per $1 spent on Avianca purchases
Earn 2 LifeMiles per $1 spent at gas stations and grocery stores
Earn 1 LifeMile per $1 spent on all other purchases
No foreign transaction fees
15% discount on purchases of miles with Multiply Your Miles
Free additional piece of baggage for travel between the United States and Central America
A 50% discount on an award ticket redeemed for travel to Central America or Colombia from the United States after $12,000 spent each year
An additional 50% discount on an award ticket redeemed for travel to Central America or Colombia from the United States after $24,000 spent each year
0% Introductory offer for 12 months on Balance Transfers
You must be an Avianca LifeMiles member to apply
If you are not already a LifeMiles member, create your account here: www.lifemiles.com
Chip-enabled card provides added security
Auto Rental Collision Damage Waiver
Travel Accident Insurance
Protection against unauthorized charges
Emergency Card Replacement
Online Account Management
Electronic Statements
Auto-pay option
Luxury Card™ Mastercard® Titanium Card™
0% introductory APR for the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening.*
Patented brushed stainless steel front and carbon back—weighing 22 grams.
2% value for airfare redemptions with no blackout dates or seat restrictions.
1% value for cash back redemptions.
24/7 Luxury Card Concierge®—Available by phone, email, and live mobile chat.
Exclusive Luxury Card Travel® benefits (e.g., amenities, room upgrades and complimentary food and beverages).
Members-only LUXURY MAGAZINE®.
Cell Phone Protection, Lyft credits, Postmates discounts, Fandango perks and more.
Annual fee: $195 ($95 for each Authorized User).
Earn one point for every one dollar spent.
Terms and conditions apply.
Luxury Card™ Mastercard® Black Card™
0% introductory APR for the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening.*
2% value for airfare redemptions with no blackout dates or seat restrictions.
1.5% value for cash back redemptions.
24/7 Luxury Card Concierge®—available by phone, email and live mobile chat.
Exclusive Luxury Card Travel® benefits (e.g., amenities, room upgrades and complimentary food and beverages).
Up to $100 annual airline credit and $100 Global Entry and TSA Pre-Check application fee credit.
Cell Phone Protection, Lyft credits, Postmates discounts, Fandango perks and more.
Annual fee: $495 ($195 for each Authorized User).
Earn one point for every one dollar spent.
Terms and conditions apply.
Luxury Card™ Mastercard® Gold Card™
0% introductory APR for the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening.*
Patented 24K-gold-plated stainless steel front and carbon back—weighing 22 grams.
2% value for airfare redemptions with no blackout dates or seat restrictions.
2% value for cash back redemptions.
24/7 Luxury Card Concierge®-available by phone, email, and live mobile chat.
Exclusive Luxury Card Travel® benefits (e.g., amenities, room upgrades and complimentary food and beverages).
Up to $200 annual airline credit and $100 Global Entry application fee credit.
Cell Phone Protection, Lyft credits, Postmates discounts, Fandango perks and more.
Annual fee: $995 ($295 for each Authorized User).
Earn one point for every one dollar spent.
Terms and conditions apply.
Conclusion
You won’t find many banks that have better terms for balance transfer credit cards. With this in mind, you owe it to yourself to learn more about U.S. Bank and its offerings.
Having trouble finding a balance transfer card? We would love to show you more balance transfers, however banks control which cards are allowed on certain pages. We recommend that you view US Bank credit cards at CreditWeb for more options.
