US Bank · Visa
U.S. Bank Shield™ Visa
Annual Fee
$0
up to $20/yr in credits if you use them
Sign-Up Bonus
N/A
0Base Rate
1x
on everything
Best For
21 months 0% on purchases with a small annual credit on top
Reward Categories
Prepaid air/car/hotel booked via U.S. Bank Travel Center
Key Benefits
Credits — if you use them
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
Recommended credit score: 670+
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Written by Tim · Data verified against issuer terms · Last checked Sep 14, 2026 · Methodology v2026.09.1
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