Shield™ Visa®
Apply now
On 's Secure Website
4.5
Annual fee:
$0
Intro APR
Purchases: 0%, 24 months
Balance Transfers: 0%, 24 months
Regular APR
17.74% - 28.74% Variable APR
Buy Now, Pay Later Make equal monthly payments on purchases of $100 or more — with no interest, just a small fixed monthly fee. Repayment options of 3, 6, 12, 18, and 24 months are available.
U.S. Bank Extendpay® Plan
Credit Score
670-850 (Good/Excellent)
Rewards Earn 4% cashback on prepaid air, hotel, and car reservations booked directly through the Rewards Center with your card. Plus, earn a $20 credit after making purchases for 11 consecutive months each year.
0% - 4% Cashback
Welcome Offer N/A
N/A
Rewards
- Earn 4% cashback on prepaid air, hotel, and car reservations booked directly through the Rewards Center with your card.
- $20 Annual Statement Credit: Earn a $20 credit after making purchases for 11 consecutive months each year.
Redemption Options
- Flexible Redemption Options: Redeem cashback as a statement credit, direct deposit to a U.S. Bank checking or savings account, a rewards card, and more.
- Real-Time Rewards: Instantly redeem your U.S. Bank Shield™ Visa® cash rewards at the point of purchase using your mobile device.
Fees and APR
- Annual Fee: $0.
- 0% Intro APR on Purchases and Balance Transfers: For 24 months from account opening. To qualify for Intro APR on balance transfer, you must make balance transfer within the first 60 days.
- Regular APR: After the introductory period, a variable APR of 17.74% - 28.74% applies to purchases and balance transfers.
- Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
- Foreign Transaction Fee: 3% of each purchase transaction in U.S. dollars.
Travel Benefits
- Travel Benefits: Includes Auto Rental Coverage.
Purchase Protections
- Purchase Protection: Covers new purchases for 90 days against damage or theft, up to $500 per claim and $50,000 per account.
- Extended Warranty Protection: Extends warranty coverage by one additional year on original eligible warranties of three years or less.
- Cell Phone Protection: Get up to $600 of protection against damage or theft (one claim per year, $100 deductible) when you pay your monthly cell phone bill with your eligible card.
Exclusive Offers
- Shopping Deals: Earn extra cashback when you shop online at 1,100+ stores through the Rewards Center using your U.S. Bank Shield™ Visa® credit card.
Additional Features
- Free access to Credit Score and contactless checkout.
Terms and Conditions
Click Apply Now to see the terms and conditions.
The U.S. Bank Shield™ Visa® Credit Card is an excellent choice for budget-conscious individuals looking to pay down debt or finance big purchases with breathing room. It offers one of the longest 0% intro APR periods available, 24 billing cycles on purchases and balance transfers (if completed within 60 days), making it especially appealing for those seeking long-term interest relief. While rewards are limited, cardholders earn 4% cash back on travel booked through the U.S. Bank Travel Rewards Center and receive a $20 annual statement credit after 11 consecutive months of purchases. With no annual fee and added perks like cell phone protection, this card is best for those who value extended interest-free financing and low-cost financial tools over premium rewards.