U.S. Bank Shield™ Visa® Card

Name: U.S. Bank Shield™ Visa® Card
Brand: U.S. Bank

Intro APR with side benefits. Compare the cost, rewards, promotional APR, and credit profile before you apply.

Terms last checked August 5, 2026Issuer: U.S. BankNetwork: Visa

BillSaver fitIntro APR with side benefits

Good to excellent credit is listed by the issuer as a general guide, not a promise of approval.

Annual fee

Rewards

1 point per dollar on eligible purchases, plus 4% cash back on prepaid air, hotel, and car reservations booked through the U.S. Bank Travel Center.

Welcome offer

No traditional welcome bonus.

Intro APR

0% intro APR on purchases and balance transfers for the first 21 billing cycles.

Regular APR

Variable APR after the introductory period; see current issuer terms.

Balance transfer fee

Balance transfer fee applies.

Foreign transaction fee

Credit profile

Good to excellent

BillSaver's view

It combines a long transfer window with practical protections and a small travel-rewards angle, while keeping the annual fee at zero.

Where this card can miss

The 0% period is temporary, the transfer fee still costs money, and the travel rewards do not make this a general-purpose points card.

How to compare it

Use the reason you are shopping as the test. If you pay in full, estimate the rewards you would actually earn and subtract the annual fee. If you are moving debt, compare the transfer fee and payoff window with the regular APR waiting after the promotion. If you are building credit, put cost, reporting, deposit rules, and payment habits ahead of a flashy bonus.

The figures above are a comparison summary, not an application decision. Read the current issuer disclosure before applying because the offer, APR, fees, rewards, and eligibility rules may change.