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
None
No welcome offer; 0% intro APR on purchases and balance transfers for 21 billing cycles confirmed
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.
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 |
|---|---|---|---|---|
| 2026-10-12 | $0 | No recorded spend | Terms reconfirmedNo welcome offer; 0% intro APR on purchases and balance transfers for 21 billing cycles confirmed | U.S. Bank Shield Visa product page → |
| 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 ledger- changed
0% intro APR for 21 billing cycles, $0 fee, 4% travel center and $600 phone protection confirmed; added the $20 annual statement credit after 11 consecutive months of purchases
Fields: credits, benefits
U.S. Bank Shield Visa product page →
Source checked 2026-10-12 · spot an outdated offer? Report a correction above.
Embed this chart on your site (free, with attribution)
Bloggers and journalists: paste this snippet to embed the live, auto-updating bonus history chart. Attribution to Credit Compound is included in the widget.
Earning Rates
- 4xPrepaid air, hotel and car reservations booked in the US Bank travel center
- 1xEverything elsePrimarily a 0% APR card, not a rewards card
Credits ($20/yr stated)
- Statement credit$20
After 11 consecutive calendar months of purchases
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
- ✦$20 annual statement credit after 11 consecutive months of purchases
- ✦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.
Rate this card
Be the first to rate it
Commentson Shield
Comments are stored in your browser during our community preview. Accounts, moderation and cross-device sync arrive with Credit Compound Community.