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U.S. Bank Shield™ Visa® Card
U.S. Bank Shield™ Visa® Card Review
The U.S. Bank Shield™ Visa® Card is best for people focused on saving on interest with a lengthy intro APR offer rather than earning rewards. If your priority is paying down debt or financing a big purchase, it’s a practical low-cost option.
Our editors rate credit cards objectively based on the features the credit card offers consumers, the fees and interest rates, and how a credit card compares with other cards in its category. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site receives from card issuers.
While this site receives compensation from companies listed here, this does not influence our ratings or reviews. Learn more here.
U.S. Bank Shield™ Visa® Card
SIGN-UP BONUS
N/A
REWARDS RATE
4% cash back on prepaid air, hotel and car reservations booked directly in the Travel Center when you use your card
Intro APRs
0% intro on purchases for 21 billing cycles and 0% intro on balance transfers for 21 billing cycles, then 16.99% - 27.99% Variable
Rewards Rate
4% cash back on prepaid air, hotel and car reservations booked directly in the Travel Center when you use your card
Annual Fee
$0 annual fee
Annual Fee
$0
Card Brand
Visa®
Recommended Credit Score
Good / ExcellentHighlights
- Click APPLY NOW to apply online.
- 0% intro APR on purchases and balance transfers for 21 billing cycles. After that, a variable APR currently 16.99% - 27.99%.
- 4% cash back on prepaid air, hotel and car reservations booked directly in the Travel Center when you use your card.
- Get a $20 annual statement credit for 11 consecutive months of purchases.
- No annual fee.
- Cell Phone Protection: Your eligible cell phone can be reimbursed up to $600 in the event it is stolen or damaged when you pay your monthly cell phone bill with your card.
- Terms and conditions apply.
- Rates & Fees
Additional Info
Foreign Transaction Fee
3% of each foreign transaction
Balance Transfer Fee
Either 5% of the amount of each transfer or $5 minimum, whichever is greater.
Expert Review
Editor's Overall Rating
Our editors rate credit cards objectively based on the features the credit card offers consumers, the fees and interest rates, and how a credit card compares with other cards in its category. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site receives from card issuers.
From the LendingTree editorial team, updated on May 06, 2026
The Good
- The U.S. Bank Shield™ Visa® Card offers a long introductory APR period, making it a strong option for paying down existing balances or financing large purchases. It also keeps things simple with no annual fee and straightforward benefits.
The Not So Good
- The card doesn’t offer standout rewards or premium perks compared to other cash back or travel cards. Once the intro APR ends, the ongoing interest rate may be higher than some competing balance transfer cards.
The Bottom Line
The U.S. Bank Shield™ Visa® Card is best for people focused on saving on interest with a lengthy intro APR offer rather than earning rewards. If your priority is paying down debt or financing a big purchase, it’s a practical low-cost option.
Editorial Note: This content is not provided by U.S. Bank. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by U.S. Bank.
Related Card Offers
Apply Now
on Bank of America's secure site
Intro APR
0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 17.49% - 27.49% Variable APR will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 5%. Balance transfers may not be used to pay any account provided by Bank of America.
Sign-Up Bonus
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
Rewards Rate
6% cash back for the first year in the category of your choice, 2% cash back at grocery stores and wholesale clubs, and unlimited 1% cash back on all other purchases. After the first year from account opening, you’ll earn 3% cash back on purchases in your choice category. Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.
See Our Review
Apply Now
on Discover's secure site
0% Intro APR
0% Intro APR for 15 months on purchases and balance transfers, then 17.49% - 26.49% Variable APR
Rewards Rate
5% cash back at different places each quarter up to the quarterly maximum when you activate. 1% unlimited cash back on all other purchases - automatically
Welcome Offer
Unlimited Cashback Match for all new cardmembers. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
See Our Review
Apply Now
on Wells Fargo's secure site
Welcome Offer
Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months
Rewards Rate
Earn unlimited 2% cash rewards on purchases.
Extra Perks
No categories to track or remember and cash rewards don't expire as long as your account remains open.
See Our Review
Methodology
Our editors take a comprehensive, data-driven approach to identify the best credit cards in various categories. We use an objective rating and ranking system that evaluates over 100 credit cards from more than 50 issuers. While this site receives compensation from companies listed here, this does not influence our ratings or reviews. Learn more here.