U.S. Bank
U.S. Bank Shield Visa Credit Card
Estimated value every year on typical spending
$319/ year
Every year, after the annual fee. No welcome bonus.
Based on a typical ~$2,600/month of spending. Points valued conservatively; confirm terms with the issuer.
Credits & perks, at estimated real use: Annual statement credit $20 → $7
Carry a balance? At 20%+ APR, interest usually costs more than any card earns.
Is it worth it?
With no annual fee, the U.S. Bank Shield Visa Credit Card can't cost you money to hold, so the question is only whether another card would earn more. It's worth about $319 a year on typical spending.
The fine print
- Intro APR
- 0% for the first 21 billing cycles
- Regular APR
- 17.24% to 28.24% variable
- Foreign fee
- None
- Top perk
- Cell phone protection
- Approval
- Good credit recommended
- Redeem for
- Airline/hotel bookings · Loyalty program transfers · Gift cards
Rewards
- 4% cash back on prepaid air, hotel, and car reservations booked directly in the Travel Center
Sign-up bonus
None
Best for
- Travelers who redeem points
- Keeping costs at $0
Not ideal for
- People who want plain cash back
Trade-offs: Better travel value ↔ less straightforward than cash back; No annual fee ↔ lower category bonuses.
Worth knowing
- Annual fee
- $0
- Intro APR
- 0% for the first 21 billing cycles
- Regular APR
- 17.24% to 28.24% variable
- Balance transfer fee
- 5% of each transfer amount, $5 minimum
- $1200/mo on everyday spending earns about $144/year (1x).
Offer history
No changes to the fee, welcome offer or intro APR since we started checking this card daily on Oct 26, 2026.
U.S. Bank Shield Visa Credit Card: questions people ask
Is the U.S. Bank Shield Visa Credit Card worth it?
With no annual fee, the U.S. Bank Shield Visa Credit Card can't cost you money to hold, so the question is only whether another card would earn more. It's worth about $319 a year on typical spending.
What is the U.S. Bank Shield Visa Credit Card annual fee?
The U.S. Bank Shield Visa Credit Card has no annual fee ($0).
What does the U.S. Bank Shield Visa Credit Card earn?
4% cash back on prepaid air, hotel, and car reservations booked directly in the Travel Center.
What credit score do you need for the U.S. Bank Shield Visa Credit Card?
The issuer recommends good/excellent credit. Checking your matches on CardFit never runs a credit check.
Does the U.S. Bank Shield Visa Credit Card charge foreign transaction fees?
No. The U.S. Bank Shield Visa Credit Card has no foreign transaction fee.
Does the U.S. Bank Shield Visa Credit Card have a 0% intro APR?
0% for the first 21 billing cycles. After that the regular APR is 17.24% to 28.24% variable.
Compare U.S. Bank Shield Visa Credit Card
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Card details are collected from issuer websites and were last refreshed October 29, 2026. Source: U.S. Bank product page. Terms change often; confirm them with the issuer before you apply.