Best For
Rewards Rate -
- 4% cash back on prepaid air, hotel and car reservations booked in the Rewards Center.
- $20 annual statement credit after 11 consecutive months of purchases.
- 1% cash back on all other eligible purchases.
$285 Savings
Estimated savings over 24 months based on a $2,500 transfer at 15% APR.
Includes balance transfer fee and intro APR period. Equal payments assumed.
- Intro offer
- No welcome offer found
- Annual fee
- $0
- Regular APR
- 0% intro APR for 24 billing cycles on purchases and balance transfers then 17.74%–28.74% variable APR
- Recommended credit
- Good–Excellent
- Travel Perks
- Cell Phone Protection, Rental Car Insurance
Highlights
- 4% cash back on prepaid air, hotel and car reservations booked in the Rewards Center.
- $20 statement credit each year after 11 consecutive months of purchases.
- 0% intro APR for 24 billing cycles on purchases and balance transfers.
- No annual fee.
Who is this card good for?
- Consumers looking to finance a large purchase or pay off debt over two years.
- Travelers who book prepaid flights, hotels or car rentals via the U.S. Bank Rewards Center.
- Cardholders seeking cell phone and purchase protections.
Pointalize Opinion
Pros
- Long 0% intro APR period on purchases and balance transfers.
- 4% cash back on prepaid travel bookings and $20 annual statement credit.
- No annual fee plus cell phone, car rental and purchase protections.
Cons
- 3% foreign transaction fee, so it’s not ideal for travel abroad.
- Everyday purchases earn just 1% cash back.
- No welcome bonus or broader rewards categories.
Pointalize Final Thoughts
The U.S. Bank Shield Visa® Card offers unmatched flexibility with its 24-billing-cycle 0% intro APR and no annual fee. It’s a smart choice if you need a long runway to pay off a large purchase or balance transfer and can make use of the 4% rewards on prepaid travel. However, its ongoing rewards are modest and you’ll pay a foreign transaction fee, so frequent travelers or big spenders may find more lucrative options elsewhere.