Here are a few exclusive badges for you to display on your blog, facebook page, etc.
Click on them for an embed code to cut and paste.
Here are a few exclusive badges for you to display on your blog, facebook page, etc.
Click on them for an embed code to cut and paste.
The U.S. Bank Young Adult Visa works on the Visa network and is primarily intended for consumers who have no credit history.
The regular interest rate for purchases made with this card is 20.24% variable APR. The customary rate applied to balance tranfers to this card is 20.24% variable APR. The regular interest rate for…
cash advances made with this card is 20.99% variable APR. Please note that all of the above rates may be replaced with the current default rate of 28.99% APR upon any of the following events: 1 late payment consecutively in 12 billing cycles or over credit limit consecutively in 12 billing cycles.
The U.S. Bank Young Adult Visa has an annual fee of $0.00 for first year or $20.00 for following years. For balance transfers to this card, you will incur a transaction fee of 3% (minimum of $5.00). If you use this credit card for cash advances, the applicable fee is 4% (minimum of $10.00). If you miss a monthly payment on this card, you will be charged a late payment fee of $19.00 for account balance between $0.00-$99.99 or $29.00 for account balance between $100.00-$249.99 or $39.00 for account balance greater than $250.00. Please note that if you exceed your credit limit with this card, you will be assessed a fee of $39.00.
The U.S. Bank Young Adult Visa also includes a number of addititional benefits such as the following: pay no annual membership fee with at least one purchase a year.; pay your bills online; convenient calling card service; worldwide acceptance/cash access; 100% fraud protection.
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| Estimated Rates | Introductory APR | Regular APR |
|---|---|---|
| Purchase rate* | N/A |
20.24% (variable)
|
| Balance transfer rate* | N/A |
20.24% (variable)
|
| Cash advance rate* | N/A |
20.99% (variable)
|
| Default rate* | N/A |
28.99% (variable)
|
| Estimated Rates | Introductory APR | Regular APR |
| Purchase rate* | N/A |
20.24% (variable)
|
| Balance transfer rate* | N/A |
20.24% (variable)
|
| Cash advance rate* | N/A |
20.99% (variable)
|
| Default rate* | N/A |
28.99% (variable)
|
| Estimated Rates | Introductory APR | Regular APR |
| Purchase rate* | N/A |
17.99% (variable)
|
| Balance transfer rate* | N/A |
17.99% (variable)
|
| Cash advance rate* | N/A |
20.99% (variable)
|
| Default rate* | N/A |
28.99% (variable)
|
| Estimated Rates | Introductory APR | Regular APR |
| Purchase rate* | N/A |
14.84% (variable)
|
| Balance transfer rate* | N/A |
14.84% (variable)
|
| Cash advance rate* | N/A |
20.99% (variable)
|
| Default rate* | N/A |
28.99% (variable)
|
| Estimated Rates | Introductory APR | Regular APR |
| Purchase rate* | N/A |
13.04% (variable)
|
| Balance transfer rate* | N/A |
13.04% (variable)
|
| Cash advance rate* | N/A |
20.99% (variable)
|
| Default rate* | N/A |
28.99% (variable)
|
| Fees | ||
| Annual Fee* |
$0.00 for first year $20.00 for following years |
|
| Balance transfer fee* | 3% (minimum of $5.00) | |
| Cash advance fee* | 4% (minimum of $10.00) | |
| Late payment fee* |
$19.00 for account balance between $0.00-$99.99 $29.00 for account balance between $100.00-$249.99 $39.00 for account balance greater than $250.00 |
|
| Over credit limit fee* | $39.00 | |
| Foreign currency fee* | 3% | |
| Min finance charge* |
$2.50[Account closed with outstanding balance] $2.00 $2.00[Interest due] |
|
| Fees | ||
| Balance transfer fee* | 3% (minimum of $5.00) | |
| Cash advance fee* | 4% (minimum of $10.00) | |
| Late payment fee* |
$19.00 for account balance between $0.00-$99.99 $29.00 for account balance between $100.00-$249.99 $39.00 for account balance greater than $250.00 |
|
| Over credit limit fee* | $39.00 | |
| Foreign currency fee* | 3% | |
| Min finance charge* |
$2.50[Account closed with outstanding balance] $2.00 $2.00[Interest due] |
|
| Fees | ||
| Balance transfer fee* | 3% (minimum of $5.00) | |
| Cash advance fee* | 4% (minimum of $10.00) | |
| Late payment fee* |
$19.00 for account balance between $0.00-$99.99 $29.00 for account balance between $100.00-$249.99 $39.00 for account balance greater than $250.00 |
|
| Over credit limit fee* | $39.00 | |
| Foreign currency fee* | 3% | |
| Min finance charge* |
$2.50[Account closed with outstanding balance] $2.00 $2.00[Interest due] |
|
| Fees | ||
| Balance transfer fee* | 3% (minimum of $5.00) | |
| Cash advance fee* | 4% (minimum of $10.00) | |
| Late payment fee* |
$19.00 for account balance between $0.00-$99.99 $29.00 for account balance between $100.00-$249.99 $39.00 for account balance greater than $250.00 |
|
| Over credit limit fee* | $39.00 | |
| Foreign currency fee* | 3% | |
| Min finance charge* |
$2.50[Account closed with outstanding balance] $2.00 $2.00[Interest due] |
|
| Fees | ||
| Balance transfer fee* | 3% (minimum of $5.00) | |
| Cash advance fee* | 4% (minimum of $10.00) | |
| Late payment fee* |
$19.00 for account balance between $0.00-$99.99 $29.00 for account balance between $100.00-$249.99 $39.00 for account balance greater than $250.00 |
|
| Over credit limit fee* | $39.00 | |
| Foreign currency fee* | 3% | |
| Min finance charge* |
$2.50[Account closed with outstanding balance] $2.00 $2.00[Interest due] |
|
| Card Features | |
|---|---|
| Category | Consumer |
| Network | Visa |
| Min Credit Level | No Credit |
| Instant Approval | No |
| No Annual Fee | No |
| Rewards Program | No |
| Method For Computing Balance | Average Daily Balance |
| Universal Default | Yes |
| Revolving Credit | Yes |
| Secured Card | No |
| Card Benefits | |
| Pay no annual membership fee with at least one purchase a year. | |
| Pay your bills online | |
| Convenient Calling Card Service (Your U.S. Bank Young Adult Visa Credit Card can be used as a calling card with no monthly service fee.) | |
| Worldwide Acceptance/Cash Access | |
| 100% Fraud Protection | |
| How does this card comply? | |
|---|---|
| Protection from arbitrary rate increases | |
| The right to have rates reviewed and reduced | |
| Fair allocation of payments | |
| No universal default | |
| No double-cycle billing | |
| No fees for paying your bill | |
| Protection from due date gimmicks | |
| Enough time to pay your bill | |
| Education on dangers of minimum payments | |
| Protection of young cardholders | |
