The Shield offers 21 months of 0% intro APR on both purchases and balance transfers with no annual fee, which is why it sits at #1 on our list of the best 0% APR cards. That is a long runway if your goal is paying down existing debt or financing a large purchase over roughly the next year and a half without interest. The honest catch is that the rewards are nearly nonexistent: aside from 4% back on prepaid travel booked through the U.S. Bank Travel Rewards Center, there is no everyday earn rate, so the card gives you little reason to keep using it once the intro window closes. Treat the $20 annual statement credit for 11 consecutive months of purchases and the cell phone protection, up to $600 per claim when you pay your bill with the card, as small extras rather than reasons to apply. Open it for the 0% period, run your payoff plan, and expect the rate to reset somewhere between 16.99% and 27.99%.
Earn rates & credits
| Category | Rate |
|---|---|
Travel (via Portal) Prepaid air, hotel, and car reservations booked in the U.S. Bank Travel Rewards Center | 4% |
| Benefit | Value |
|---|---|
Annual Statement Credit Earn a $20 annual statement credit for 11 consecutive months of purchases | $20 /yr |
| Total annual credits | $20 |
Card details
Regular APR | 16.99%–27.99% variable |
Intro APR on purchases | 0% for 21 months |
Intro APR on balance transfers | 0% for 21 months |
Foreign transaction fee | Yes |
Approval odds
Product changes
Where cardholders came from before landing on this card, and what they moved it to afterwards. Thicker flows carry a larger share of the changes in that direction.
US Bank ShieldBased on 1 reported product change. Percentages are shares of each direction, not of all cardholders, and a small sample can swing a long way.