Shield™ Visa®
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On U.S. Bank's Secure Website
4.5
Annual fee:
$0
Intro APR
Purchases: 0%, 24 months
Balance Transfers: 0%, 24 months
Regular APR
16.99% - 27.99% 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 Travel 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 Travel 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 your cashback as a statement credit, direct deposit into 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 16.99% - 27.99% 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
- Auto Rental Coverage: Get reimbursement for theft and collision damage when you decline the rental company’s coverage and pay in full with your card. Coverage is secondary in the U.S. to your personal insurance.
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: Doubles the original manufacturer’s warranty on eligible purchases, providing up to one extra year of coverage.
- 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 Credit Score Access: View your credit score for free, updated monthly in your Mobile Banking app or Online Banking.
Terms and Conditions
Click Apply Now to see the terms and conditions.
The U.S. Bank Shield™ Visa® Credit Card is one of the best options for people who want long-term 0% intro APR to pay down debt or cover a large purchase over time. It offers an impressive 24 billing cycles of 0% APR on purchases and balance transfers when transfers are made within the first 60 days, giving cardholders real breathing room. While it’s not a rewards-heavy card, you can still earn 4% cashback on travel booked through the U.S. Bank Travel Rewards Center and get a $20 annual statement credit with regular use. With no annual fee and helpful extras like cell phone protection, this card from U.S. Bank is a smart pick for anyone focused on saving on interest rather than chasing points.