Credit card

U.S. Bank Shield™ Visa® Card

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VISA

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Card review

U.S. Bank Shield™ Visa® Card

4.8 9.6/10 DebitCue Score Verified Jun 20, 2026

Longest 0% intro APR plus built-in cell phone protection

Fee: No fee
Purchase APR: 16.99% - 27.99%
Interest-free: -
Foreign fee: 3%

Rewards

4% cash back on prepaid air, hotel, and car reservations booked through the U.S. Bank Travel Center; 1% on all other purchases (no broad rewards on everyday spend).

Welcome offer

No traditional welcome bonus; longest 0% intro APR offer in U.S. Bank lineup

Our verdict

What stands out, and where it falls short.

What we like

4% cash back on prepaid air, hotel, and car…
Welcome bonus
No card fee
Pay in installments

Worth weighing

3% foreign transaction fee

Who It Is For

Whether the U.S. Bank Shield™ Visa® Card fits how you actually spend.

Pick it if you are

Anyone who wants a low-cost everyday card
People who want rewards on their spending
People who pay big purchases off over time

Skip it if you are

Frequent international travelers

Rates and fees

As of June 20, 2026

All amounts shown in USD.

Card fee: No fee
Purchase APR: 16.99% - 27.99%
Interest-free period: -
Foreign transaction fee: 3%
Intro APR: 0% on purchases and balance transfers for 21 billing cycles
Regular APR: 16.99%–27.99% variable
Foreign Transaction Fee: 3%

Rewards and features

Rewards: 4% cash back on prepaid air, hotel, and car reservations booked through the U.S. Bank Travel Center; 1% on all other purchases (no broad rewards on everyday spend).
Welcome offer: No traditional welcome bonus; longest 0% intro APR offer in U.S. Bank lineup
Installments: U.S. Bank ExtendPay® Plans available
Pay with: Apple Pay, Google Pay, Contactless, Virtual card
Balance transfer fee: 5% of transfer amount (minimum $5); transfers must be made within 60 days of account opening to qualify for intro rate
Rewards focus: Rewards limited to 4% on Travel Center prepaid bookings; primarily a 0% APR/balance transfer card

Benefits and perks

Extras that come bundled with the card.

Cell phone protection

Up to $600 reimbursement for theft or damage when monthly cell phone bill is paid with the card
$20 annual statement credit

Earn $20 statement credit after making at least one purchase in 11 consecutive billing cycles
Auto rental collision damage waiver

Secondary collision coverage on eligible rental vehicle bookings
Purchase security

$500 per claim, 90-day coverage against damage or theft of new purchases

U.S. Bank Shield™ Visa® Card: your questions answered

Does the U.S. Bank Shield™ Visa® Card have a card fee?

No - the U.S. Bank Shield™ Visa® Card has no card fee.

What rewards does the U.S. Bank Shield™ Visa® Card earn?

The U.S. Bank Shield™ Visa® Card earns 4% cash back on prepaid air, hotel, and car reservations booked through the U.S. Bank Travel Center; 1% on all other purchases (no broad rewards on everyday spend)..

Does the U.S. Bank Shield™ Visa® Card charge foreign transaction fees?

Yes - the U.S. Bank Shield™ Visa® Card charges a 3% foreign transaction fee.

What is the interest rate on the U.S. Bank Shield™ Visa® Card?

The U.S. Bank Shield™ Visa® Card has a purchase APR of 16.99% - 27.99%.

Does the U.S. Bank Shield™ Visa® Card have a welcome offer?

Yes - No traditional welcome bonus; longest 0% intro APR offer in U.S. Bank lineup.

Can I pay in installments with the U.S. Bank Shield™ Visa® Card?

Yes - U.S. Bank ExtendPay® Plans available.

Is the U.S. Bank Shield™ Visa® Card a credit, debit or prepaid card?

The U.S. Bank Shield™ Visa® Card is a credit card issued by U.S. Bank on the Visa network.

Does the U.S. Bank Shield™ Visa® Card support Apple Pay and Google Pay?

Yes - the U.S. Bank Shield™ Visa® Card works with both Apple Pay and Google Pay.

Where can I get the U.S. Bank Shield™ Visa® Card?

The U.S. Bank Shield™ Visa® Card is currently offered in United States.

How does DebitCue rate the U.S. Bank Shield™ Visa® Card?

DebitCue rates the U.S. Bank Shield™ Visa® Card 4.8 out of 5 (9.6/10), scored on the same factors as every card - fees, rewards, perks and ease of use.