What does the U.S. Bank Shield™ Visa earn?

The U.S. Bank Shield™ Visa earns 1x on every purchase.

Is the U.S. Bank Shield™ Visa worth the annual fee?

The U.S. Bank Shield™ Visa has no annual fee, so there's no cost to keep it.

What credit score do I need for the U.S. Bank Shield™ Visa?

You typically need a 670+ credit score to qualify for the U.S. Bank Shield™ Visa.

US Bank · Visa

U.S. Bank Shield™ Visa

Name: U.S. Bank Shield™ Visa
Brand: US Bank

Offer verified 2026-07-27Source: US Bank official terms

13 / 100

Annual Fee

Sign-Up Bonus

N/A

Base Rate

on everything

Best For

21 months 0% on purchases with a small annual credit on top

Reward Categories

travel

Prepaid air/car/hotel booked via U.S. Bank Travel Center

Everything else1x

Key Benefits

$20 Annual Statement Credit(~$20/yr)

After 11 consecutive months with purchases

Pros & Cons

Pros

+ 21 billing cycles 0% on purchases and balance transfers — tied for longest available
+ No annual fee
+ $20 statement credit each year you use it monthly

Cons

- No everyday rewards (4% only via U.S. Bank's travel portal)
- 5% balance-transfer fee
- Highest ongoing APR ceiling of the long-window cards (28.74%)

Rates and fees may vary.See current rates, fees, and terms on US Bank's site

Apply Now

Recommended credit score: 670+

Advertising disclosure: we may earn a commission if you apply through this link. This does not affect your ranking. Full disclosure

Is the U.S. Bank Shield™ Visa right for you?

Enter your monthly spending and see exactly how much this card would earn you compared to 80 other cards.

Run your numbers

Card information is collected independently and has not been reviewed or provided by the card issuer. Terms apply to the offers listed on this page. See our disclosure for details.