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Card reviewUS Bank
Updated Aug 14, 2026 · research
U.S. Bank Shield® Visa® Card
US BankCash Rewards

U.S. Bank Shield® Visa® Card

A no-annual-fee Visa card with 0% intro APR on purchases and balance transfers for 21 billing cycles and 4% cash back on eligible Travel Center bookings.

Entry LevelPersonal
Visa
Credit profile: good
$0
Annual fee
4% back prepaid air, hotel and car reservations booked through the travel center
Top rate
N/A
Foreign fee
N/A
Rating
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Earning Rates

Prepaid air, hotel and car reservations booked through the Travel Center
4%cash back

Must be eligible net purchases made with the Shield Card; bookings may be made online or by phone through the Travel Center.

Pros & Cons

Pros

  • No annual fee
  • 21 billing cycles of 0% intro APR on purchases
  • 4% cash back on prepaid travel reservations via Travel Center
  • $20 annual statement credit after 11 consecutive months of purchases

Cons

  • Rewards limited to specific prepaid travel bookings
  • Statement credit requires 11 consecutive months of purchases
  • No earning rates for everyday categories like dining or gas

Key Takeaways

  • 0% intro APR for 21 billing cycles on purchases
  • No annual fee
  • 4% cash back on prepaid travel via Travel Center
  • $20 statement credit with 11 months of consecutive purchases
  • Entry-level Visa cashback card

Fees

Fee TypeAmount
Annual Fee$0

APR Information

Purchase APR
16.99% - 27.99%0% intro APR for 21 months
Balance Transfer APR
16.99% - 27.99%0% intro APR for 21 months

APRs shown are variable and may change based on the Prime Rate. Your actual APR will be determined based on your creditworthiness.

Card Benefits

4 benefits

Purchase Protection

Statement Credits

Lifestyle Benefits

Coverage Tier Legend

Best in ClassIndustry-leading coverage
StrongAbove average
StandardTypical coverage
LimitedBelow average

Hidden Gems

$20 Annual Statement Credit

This credit rewards consistent card use over 11 consecutive months. It provides an easy annual perk without spending minimums.

Frequently Asked Questions

What is the annual fee for the U.S. Bank Shield™ Visa® Card?
The card has no annual fee. This applies every year with no first-year waiver needed.
What introductory APR does the card offer?
It features a 0% intro APR on purchases for 21 billing cycles. This helps with financing larger purchases interest-free for an extended period.
How are rewards earned on this card?
Earn 4% cash back on prepaid air, hotel, and car reservations booked directly in the Travel Center. No other earning categories are specified.
What is the $20 annual statement credit?
Receive a $20 statement credit after 11 consecutive months of purchases. This benefit applies annually upon meeting the purchase condition.
Is the card suitable for travel spending?
It offers 4% cash back on specific prepaid travel reservations through the U.S. Bank Travel Center. Everyday travel purchases do not earn this rate.
What card network does it use?
The card operates on the Visa network. This provides wide acceptance for purchases.
What type of card is the U.S. Bank Shield™ Visa® Card?
It is an entry-level cashback card for personal use. Rewards are part of the U.S. Bank Cash Rewards program.

About This Card

Ideal for users needing a long 0% intro APR on purchases with no annual fee, and those who book prepaid air, hotel, or car reservations through the U.S. Bank Travel Center.

The U.S. Bank Shield® Visa® Card offers a 0% introductory APR on purchases and qualifying balance transfers for 21 billing cycles, followed by a variable APR currently 16.99% to 27.99%. It has no annual fee, earns 4% cash back on eligible prepaid air, hotel, and car reservations booked through the Travel Center, and provides a $20 annual statement credit after qualifying purchase activity.

It differentiates in the entry-level tier with a 21-billing cycle intro APR and targeted travel cash back via the Travel Center.

Ready to Decide?

Apply for the U.S. Bank Shield® Visa® Card

Current offer available with no annual fee.

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Sources & Methodology

Data Collection

We collect card details from official issuer pages, then verify them with automated checks.

Last updated:

How it's checked

Analyzed by the Rewardopedia Engine.

Data Quality
  • 4 of 4 benefits rated high confidence
  • 4 source citations across benefits
  • 1 of 1 offer verified
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Read our full methodology for how we collect, verify, and rate credit cards.

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