U.S. Bank Shield Visa
By Alex Compton · Last verified
The longest 0% intro APR in the market, with a few rewards sprinkled on.
Welcome Bonus
Under review
Current claim suppressed
Spend Requirement
Under review
Annual Fee
Under review
Last recorded terms remain in the history below
Credit Score
670+
(Good)
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
No numeric welcome bonus recorded
This product has no points- or cash-denominated offer to plot. Dated no-offer observations, non-points benefits, corrections, and primary-source links remain preserved in the table below.
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-06 | $0 | No recorded spend | Terms reconfirmedNo welcome offer | Archive record · no attached snapshot |
| 2025-03 | $0 | No recorded spend | Earliest recordLaunched with 0% intro APR for 24 billing cycles, no cash bonus | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledgerEvent-level primary-source attachments begin with the September 2026 verification system. Older records remain visible but are not retroactively presented as evidenced.
Source checked 2026-06-10 · spot an outdated offer? Report a correction above.
Last Recorded Earning Rates
These terms are historical context and are not presented as current.
- 4xPrepaid air, hotel and car reservations booked in the US Bank travel center
- 1xEverything elsePrimarily a 0% APR card, not a rewards card
Last Recorded Credits
No statement credits, this card wins on earn rates, not coupons.
Last Recorded Benefits
Confirm availability and enrollment requirements with the issuer.
- ✦0% intro APR on purchases and balance transfers, launched at 24 billing cycles and trimmed to 21 in March 2026
- ✦Cell phone protection up to $600 when you pay your bill with the card
- ✦No annual fee
Why it earns its spot
- +21 billing cycles interest free still ties the longest offers anywhere
- +Cell phone insurance is rare on a 0% APR card
Where it costs you
- −5% balance transfer fee
- −Near zero rewards once the intro period ends
- −3% foreign transaction fee
The Compound Verdict
U.S. Bank built the Shield to win the 0% APR arms race, and even after trimming the launch 24 cycles to 21 it sits at the top of the category. The travel center cash back and phone protection are nice garnish, not reasons to apply. Use it to finance a big purchase, pay it off, then retire it to the sock drawer.
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