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That’s why we provide clear, independent guides and comparisons to help you make informed decisions.
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At Pointalize, we simplify the process by highlighting cards that deliver the strongest rewards, biggest bonuses, and best value for everyday spending. Whether you’re just starting out or looking to maximize premium benefits, our curated picks are designed to help you find the perfect fit for your wallet.
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.