US Bank · Visa
U.S. Bank Shield® Visa® Card
21 months 0% on purchases with a small annual credit on top
No annual fee up to $20/yr in credits if you use them
Why people consider it
- Cell Phone Protection.
Welcome offer
No welcome offer right 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
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Is this card worth it?
Ongoing value
$0/year
for the sample household ($4,800/month) · points at typical value
- Full annual fee:
- none
- Major trade-offs:
- No everyday rewards (4% only via U.S. Bank's travel portal) 5% balance-transfer fee
- Against a no-fee alternative:
- This is a no-fee card — nothing to earn back.
Detailed research
Full reward table and category caps
Prepaid air/car/hotel booked via U.S. Bank Travel Center
Optional benefits and credits
Credits — if you use them
After 11 consecutive months with purchases
Perks (not counted in our math)
Up to $600 per claim when the monthly bill is paid with the card
Approval and bonus eligibility caveats
Recommended credit score: 670+ — the issuer decides every application.
Issuer verification source
Rates and fees may vary.See current rates, fees, and terms on US Bank's site
Detailed methodology
Net annual value = rewards on a spending profile at typical point value − the full annual fee; credits count only if you tell us you use them; a welcome offer counts once, in year one, only where the profile meets its requirement. Same math as Find a Card. Methodology v2026.09.4.
Editorial review and disclosures
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 (28.24%)
Written by Tim · Data verified against issuer terms · Last checked Nov 4, 2026 · Methodology v2026.09.4
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.