U.S. Bank Shield™: 0% Intro APR for 21 Months with Ongoing Payment Flexibility
Enjoy 0% intro APR for 21 months on purchases and balance transfers, plus a 3-month interest-free payment plan each year after the intro period ends.
The Bottom Line
4.2
BIG4CREDIT RANKING
Our 5-star rating is based on Big4credit’s independent, data-driven scoring system.
Each card is evaluated across multiple weighted categories – including rewards,
fees, welcome offers, 0% intro APR, ongoing APR, perks, benefits, and protections.
Ratings are determined solely by our research and analysis and are never influenced
by card issuers or advertisers. Read about our ranking system in the
Credit Card Ranking & Methodology section.
The U.S. Bank Shield™ Visa® Card offers 0% intro APR on purchases and balance transfers for 21 billing cycles, making it a strong option if you want to avoid paying interest. You can use it to finance a large purchase over time or move existing credit card debt and pay it down without added cost during the intro period. After the promotional APR ends, you can still set up one 3-month payment plan each calendar year with no fee, giving you a way to avoid interest on purchases when needed. It’s best for people who want occasional interest-free financing beyond the intro APR period. The card also earns 4% cash back on select travel booked through the U.S. Bank Travel Center, specifically on prepaid flights, hotels, and car rentals. However, since rewards are limited to these bookings, you’ll likely find better value with other cards if your goal is maximizing cash back or travel rewards.
U.S. Bank Shield™
Apply now
On U.S. Bank's Secure Website
Annual fee:
$0
Intro APR
Purchases: 0%, 21 billing cycles
Balance Transfers: 0%, 21 billing cycles
Regular APR
17.24% - 28.24%
Credit Score
670-850 (Good/Excellent)
Rewards Earn 4% cashback on prepaid air, hotel, and car rentals booked through the Travel Center.
0% - 4% Cashback
Welcome Offer N/A
N/A
✅ Pros:
- No annual fee
- Simplicity
- 21 Months of 0% intro APR on purchases and balance transfers
- 4% Cashback on prepaid travel reservations booked through the Travel Center
- $20 Annual statement credit
- Rental car coverage
- Cell phone protection
- Purchase protection
- Extended warranty protection
❌ Cons:
- Foreign transaction fees
- No sign-up bonus
- Limited rewards earning compared to rewards-focused credit cards
Rewards
- 4% Cashback on prepaid air, hotel, and car rentals booked through the Travel Center.
Redemption Options
- Flexible Redemption: Redeem your cashback as a statement credit, direct deposit into a U.S. Bank checking or savings account, a rewards card, and more.
- Real-Time Rewards: Instantly redeem your U.S. Bank Shield™ Visa® cash rewards at the point of purchase using your mobile device.
Fees and APR
- Annual Fee: $0.
- 0% Intro APR on Purchases and Balance Transfers: For 21 months from account opening. To qualify for Intro APR on balance transfer, you must make balance transfer within the first 60 days.
- Regular APR: After the introductory period, a variable APR of 17.24% - 28.24% applies to purchases and balance transfers.
- Paying late won’t raise your APR.
- Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
- Foreign Transaction Fee: 3% of each purchase transaction in U.S. dollars.
Annual Credits & Statement Credits
- $20 Annual Statement Credit: Earn a $20 statement credit after 11 consecutive months of purchases.
Travel Protections
- Auto Rental Coverage: Get reimbursement for theft and collision damage when you decline the rental company’s coverage and pay in full with your card. Coverage is secondary and provides reimbursement up to the Actual Cash Value of most rented cars.
Purchase Protections
- Cell Phone Protection: Get up to $600 per claim in coverage for damage or theft when you pay your monthly cell phone bill with your eligible card. Coverage is subject to a $100 deductible and limited to one claim per year.
- Purchase Protection: Covers new purchases for 90 days against damage or theft, up to $500 per claim and $50,000 per account.
- Extended Warranty: Double the manufacturer’s warranty by up to one additional year on eligible warranties of three years or less.
Buy Now, Pay Later Options
- U.S. Bank ExtendPay® Plan: Split eligible purchases into predictable monthly payments with no interest, just a small fixed monthly fee.
- $0 Fee ExtendPay® Plan (Annual): Get one 3-month ExtendPay® Plan with $0 fee each calendar year after your introductory 0% APR period ends.
Additional Features
- Free credit score access.
Ratings
- Net Value & Cost Efficiency: 6.7/10
- Rewards & Earnings Power: 8.0/10
- Welcome Bonus Value: 0.0/10
- First-Year Earning Boost: 0/10
- APR & Interest Structure: 9.3/10
- Simplicity & Transparency: 10.0/10
- Perks, Benefits & Protections: 2.7/10
- Issuer Credibility & Stability: 6.5/10
- Installment & BNPL Features: 10/10
- Eligibility & Approval Accessibility: 7.5/10
Big4Credit ratings are based on our independent analysis of each card’s features, value, fees, rewards, and benefits. Card issuers do not influence our ratings.
Terms and Conditions
- Click Apply Now to see the terms and conditions.