The advertised credit profile is general guidance, not a score cutoff or an approval prediction. U.S. Bank makes every lending decision.
- Annual fee and first-year pricing
- There is no annual fee on the U.S. Bank Shield® Visa® credit card.
- Purchase APR
- Option to set up a 3-month $0 ExtendPay Plan offer each calendar year after the new account 0% introductory purchase APR offer has expired. Account must be in good standing (not past due or overlimit) and meet eligibility requirements to receive the 3 month $0 fee U.S. Bank ExtendPay® Plan offer each calendar year. This offer will be available within 2 months after the introductory purchase APR offer expires. Eligibility is determined monthly and this offer can only be used once per calendar year. You may designate up to 50% of your credit card line ($100 minimum) in eligible credit card purchases. Only purchase balances are eligible for ExtendPay Plans. Not all transactions are considered to be Purchases and eligible for this offer, such as transactions posting as Convenience Checks; Balance Transfers; or promotional rate Purchases (as defined in your Cardmember Agreement); Advances (including ATM withdrawals, wire transfers, traveler's checks, money orders, foreign cash transactions, betting transactions, and lottery tickets); interest charges and fees; credit insurance premiums; and transactions to (i) fund certain prepaid card products, (ii) buy currency from the U.S. Mint, or (iii) buy cash convertible items.
- Introductory APR and duration
- The 0% introductory APR applies to purchases and is valid for the first 21 billing cycles. The 0% introductory APR applies to balance transfers made within 60 days of account opening and is valid for the first 21 billing cycles. The introductory rate does not apply to cash advances. Balance Transfer fee of 5% of each transfer amount, $5 minimum will apply. When you make a payment, the amount up to your Minimum Payment is applied first to the monthly payment obligation for U.S. Bank ExtendPay® Plans and U.S. Bank ExtendPay® Loans if any, and then to non-Fixed Payment Program balances in the order of the lowest to highest APR. Any amount over your Minimum Payment is applied to balances in the order of highest to lowest APR. Account must be in good standing (not past due or overlimit) and meet eligibility requirements to receive the 3 month $0 fee U.S. Bank ExtendPay® Plan offer each calendar year. This offer will be available within 2 months after the introductory purchase APR offer expires. Eligibility is determined monthly and this offer can only be used once per calendar year. You may designate up to 50% of your credit card line ($100 minimum) in eligible credit card purchases. Only purchase balances are eligible for ExtendPay Plans. Not all transactions are considered to be Purchases and eligible for this offer, such as transactions posting as Convenience Checks; Balance Transfers; or promotional rate Purchases (as defined in your Cardmember Agreement); Advances (including ATM withdrawals, wire transfers, traveler's checks, money orders, foreign cash transactions, betting transactions, and lottery tickets); interest charges and fees; credit insurance premiums; and transactions to (i) fund certain prepaid card products, (ii) buy currency from the U.S. Mint, or (iii) buy cash convertible items. U.S. Bank Shield® Visa® Card Get a low intro APR for 21 billing cycles. Get a decision in as little as 60 seconds.
- Balance transfers and fees
- Enter your estimated balance transfer amount and current APR. The U.S. Bank Shield® Visa® credit card typically offers our best and longest introductory APR offer on purchases and balance transfers. The 0% introductory APR applies to purchases and is valid for the first 21 billing cycles. The 0% introductory APR applies to balance transfers made within 60 days of account opening and is valid for the first 21 billing cycles. The introductory rate does not apply to cash advances. Balance Transfer fee of 5% of each transfer amount, $5 minimum will apply. When you make a payment, the amount up to your Minimum Payment is applied first to the monthly payment obligation for U.S. Bank ExtendPay® Plans and U.S. Bank ExtendPay® Loans if any, and then to non-Fixed Payment Program balances in the order of the lowest to highest APR. Any amount over your Minimum Payment is applied to balances in the order of highest to lowest APR. Best Card For Intro APR And Balance Transfers
- Cash advances and fees
- The 0% introductory APR applies to purchases and is valid for the first 21 billing cycles. The 0% introductory APR applies to balance transfers made within 60 days of account opening and is valid for the first 21 billing cycles. The introductory rate does not apply to cash advances. Balance Transfer fee of 5% of each transfer amount, $5 minimum will apply. When you make a payment, the amount up to your Minimum Payment is applied first to the monthly payment obligation for U.S. Bank ExtendPay® Plans and U.S. Bank ExtendPay® Loans if any, and then to non-Fixed Payment Program balances in the order of the lowest to highest APR. Any amount over your Minimum Payment is applied to balances in the order of highest to lowest APR.
- Redemption options and restrictions
- Then select the Redeem rewards icon and choose the reward you would like to redeem. Yes. Your U.S. Bank Shield® Visa® credit card is eligible for Real Time Rewards, a redemption method that instantly turns your purchases into rewards. You can use your mobile device to redeem cash rewards earned on your U.S. Bank Shield® Visa® credit card. Account must be open and in good standing (not past due or overlimit) on the closing date of the billing cycle to earn and redeem rewards and benefits. Upon approval, please refer to your Cardmember Agreement or Rewards Program Rules in the online Rewards Center by logging into usbank.com for additional information. Cash back is redeemed in the form of a statement credit or a deposit made to your U.S. Bank® Savings or Checking Account based on your designation, or as a U.S. Bank Rewards Card. Cash Rewards will expire if you do not have any reward, purchase, or balance activity on your account for 12 consecutive statement cycles.
- Statement credits and enrollment
- Earn a $20 annual statement credit for 11 consecutive months of purchases. An automatic statement credit of $20 per 12-month period will be applied to your U.S. Bank Shield Visa Card Account within 2 statement billing cycles following 11 consecutive calendar months of purchases, if the Account is in good standing (not past due or over limit). We reserve the right to adjust or reverse any portion or all of any credit for unauthorized purchases or transaction credits.
- Security deposit
- We also offer several secured credit card products which are designed for people looking to build or rebuild their credit with responsible use.
- Card network
- The creditor and issuer of this card is U.S. Bank National Association, pursuant to a license from Visa U.S.A. Inc., and the card is available to United States residents only.
- Other conditions
- Upon approval, please refer to your Cardmember Agreement or Rewards Program Rules in the online Rewards Center by logging into usbank.com for additional information.
Recorded from U.S. Bank’s public information. Rates and fees change, so the issuer’s current disclosures are authoritative.
