VisaU.S. Bank Shield Visa
The longest 0% intro APR in the market, with a few rewards sprinkled on.
Welcome Bonus
None
No welcome offer
Spend Requirement
None
Annual Fee
$0
3% FTF
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.
Last verified 2026-06-10 · spot an outdated offer? Tell us in the comments.
Earning Rates
- 4xPrepaid air, hotel and car reservations booked in the US Bank travel center
- 1xEverything else
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦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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