WorldPerks Visa Platinum Card issued by U.S. Bank
	Overall Rating Benefit Rating	Apply online for this card or read on for a full review of all the features.

In-Depth Credit Card Review

This online card application is intended for residents of the United States only. For other country options, please refer to the right hand menu bar. The WorldPerks® Visa® Platinum Card, issued by U.S. Bank, is ideal for those with very good credit who travel regularly on Northwest Airlines® or any of their airline partners. Through the rewards program, cardholders earn one mile for each dollar spent on purchases. Up to five miles per dollar can also be earned at participating restaurants. Upon approval, up to 10,000 bonus miles are applied to the account. Earned miles can be redeemed for free travel with Northwest Airlines® or any of their partners. Although miles do not expire, there are some mileage restrictions. For instance, those who spend more than $60,000 in any calendar year or over $10,000 per billing cycle will be limited to one mile for every two dollars spent over that amount. Nevertheless, those who prefer to have their credit card bill automatically paid in full each month (or are members of Northwest® WorldPerks® Platinum Elite, Gold Elite, or Silver Elite) will be exempt from all reward limitations. For an airline reward card, the $55 annual fee is considered reasonable, but the interest rate applied to purchases is above average. It is important to note that the APRs for all transactions are tied to the highest Prime Rate during a three-month period. Due to this policy, the APRs may never reach the lowest possible interest rate. In addition to the rewards program, cardholders can expect common platinum benefits offered by U.S. Bank that include up to $1,000,000 in travel accident insurance, auto rental insurance, purchase protection services, and online account access. Therefore, those who can afford to pay in full each month (to avoid finance charges), plan to sign up for the auto-payment option (to avoid reward limitations), and will be able to earn a free ticket or other travel related service within a two-year period (due to the annual fee) will benefit most from what the WorldPerks® Visa® Platinum Card has to offer. Most Attractive Feature: Miles earned can be used with various airline partners; miles do not expire; bonus miles. Least Attractive Feature: APR based on highest Prime Rate during a 90-day period; miles reduced by 50% after $60,000 in annual spending (not applicable to all members). Apply Now For WorldPerks Visa Platinum Card Note: The review of this U.S. Bank card was updated on 06/26/2008 and is believed to be accurate during the update, however, information posted may have since changed. We strongly suggest that you carefully read the Terms and Conditions statement that accompanies the credit card application

Key Card Information
Miscellaneous Rates and Terms
Credit Limits:	See Important Notations (Maximum) / See Important Notations (Minimum)
Purchases APR:	15.00%
Cash Advance APR:	21.24%
Finance Config:	Average Daily Balance (including new purchases)
Grace Period:	20 - 25 Days
Fees Associated with this Card
Annual Fee:	$55
Add. Cardholders:	$0
Late Payment Fee:	$24 on balances up to $499.99; $39 on balances of $500 or more
Over-the-Limit Fee:	None
Cash Advance Fee:	3%, $5 minimum (4%, $10 minimum for cash equivalent transactions)
Balance Transfers:	3%, $5 minimum

The Rewards Program Highlights
Optional Reward:	No
Miles Per Dollar:	1 Mile
Additional Miles:	Up to 5 miles per dollar spent at select restaurants.
	Miles earned can be redeemed for travel on Northwest Airlines®, KLM Royal Dutch Airlines®, Continental Airlines®, Alaska Airlines® and additional carriers.
Miles Compatible with Frequent Flyer Program:	Yes
Yearly Limit:	None (1 mile is awarded for every $2 spent if purchases exceed $60,000 per year or $10,000 per billing cycle.)
Bonus Approval:	10,000 Miles

Additional Highlights of Interest

Special Card Benefits and Features Various Internet account related services. Up to $1,000,000 in travel accident insurance. Auto rental insurance. Various travel and emergency assistance services. Emergency cash replacement. Emergency card replacement. Lost and stolen card reporting. No liability for unauthorized transactions. Extended warranty for purchases. Purchase protection. Discounts on products and services at participating merchants and retailers. See website for additional benefits. Important Notes Regarding This Offer The APR is based on the highest Prime Rate during a 90-day period. Northwest® WorldPerks® Platinum Elite, Gold Elite, Silver Elite members and WorldPerks® Visa® customers who select the full payment option (AutoPay) are exempt from all award limitations on miles earned. The card has no pre-set spending limit; however, purchases are approved based on credit record, account history, and personal resources. See website for complete terms and conditions of card usage and application disclosure.