U.S. Bank Shield™ Visa<sup>®</sup> Card

U.S. Bank Shield™ Visa® Card

Save more with a low intro APR for 24 billing cycles.

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0% introductory APR1 on purchases and balance transfers2 for the first 24 billing cycles. Thereafter, a variable APR, currently 17.74% - 28.74%. Plus, no annual fee.1

  • Money Transfer

    Save on interest when you transfer balances from higher rate credit cards.

  • 4%

    Cash back on prepaid air, hotels and car rentals booked directly in the Rewards Center when you use your card.3,4

  • $20

    Annual statement credit for 11 consecutive months of purchases.5

  • Mobile Phone

    Cell phone protection when you pay your monthly cell phone bill with your card.6

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  • Privacy Cobrowse Your California privacy choices

    You authorize your wireless carrier to use or disclose information about your account and your wireless device, if available, to us or our service provider for the duration of your business relationship, solely to help us identify you or your wireless device and to prevent fraud. See our PRIVACY POLICY for how we treat your data.

    U.S. Bank may change APRs, fees and other account terms in the future based on your experience with U.S. Bank National Association and its affiliates as provided under the Cardmember Agreement and applicable law.

    Not all transactions are considered to be Purchases and eligible to earn rewards, such as transactions posting as Convenience Checks; Balance Transfers; 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. Please allow 1-2 statement billing cycles for your Cash Rewards to appear on your credit card statement.

    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 Rewards Program Rules in the online Rewards Center by logging into usbank.com for additional information.

    1. The 0% introductory APR applies to purchases and is valid for the first 24 billing cycles. The 0% introductory APR applies to balance transfers made within 60 days of account opening and is valid for the first 24 billing cycles. The introductory rate does not apply to cash advances. Thereafter, the APR may vary. The current undiscounted variable APR for Purchases and Balance Transfers is 17.74% - 28.74% based on your creditworthiness. The variable APR for Cash Advances is 31.24%. Balance Transfer fee of 5% of each transfer amount, $5 minimum will apply. Cash Advance fee: 5% of each advance amount, $10 minimum. Convenience Check fee: 5% of each check amount, $5 minimum. Cash Equivalent fee: 5% of each cash amount, $10 minimum. There is a $1 minimum interest charge where interest is due. The annual fee is $0. Foreign Transaction fee: 3% of each foreign Purchase transaction or foreign ATM advance transaction in U.S. Dollars. 3% of each foreign Purchase transaction or foreign ATM advance transaction in a Foreign Currency. U.S. Bank ExtendPay® Fees: A monthly fee not to exceed 1.6% of the original principal amount in an U.S. Bank ExtendPay® Plan or U.S. Bank ExtendPay® Loan. This fixed fee is disclosed upon enrollment and charged each month that you owe the applicable ExtendPay balance. U.S. Bank ExtendPay® Fees are calculated based upon the original principal amount, Purchase APR, and other factors. 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.

    2. Balance transfer transactions from other U.S. Bank National Association accounts are not permitted. You may cancel a balance transfer request within 10 days of account opening by calling 800-285-8585. After 10 days from account opening, requests to stop payment on Balance Transfer Check(s) issued by U.S. Bank shall not be honored unless the check(s) has been stolen, lost or destroyed.

    3. Cardmembers will earn 4% cash back for every $1 spend in eligible Net Purchases spent on prepaid air, car and hotel reservations in the Rewards Center using your Shield Card. Net Purchases are Purchases minus credits and returns.

    4. Maximum Cash Rewards value applies to Cash Rewards redeemed for a statement credit or deposit into an eligible U.S. Bank Account. The redemption value may be different if you choose to redeem your Cash Rewards for other rewards such as a U.S. Bank Rewards Card. Other restrictions apply. Establishment or ownership of a U.S. Bank Account or other relationship with U.S. Bank is not required to obtain a card or to be eligible to use Cash Rewards to obtain any rewards offered under the program. Minimum redemption amounts may vary and are subject to change without notice.

    5. 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.

    6. Certain terms, conditions and exclusions apply. In order for coverage to apply, you must use your U.S. Bank Visa Shield Card to secure transactions. Please refer to mycardgtb.com/shield to view the Guide to Benefits for further details including full terms and conditions.

    The creditor and issuer of this card is U.S. Bank National Association, pursuant to a license from Visa U.S.A. Inc.

    ©2025 U.S. Bank