The Shield's 21-month 0% intro APR on both purchases and balance transfers is one of the longest runways available, and with no annual fee it tops our Best 0% APR Credit Cards list. That makes it a strong choice if you are paying down existing debt or spreading out a large purchase over nearly two years. The tradeoff is that rewards are close to nonexistent: the only earn rate is 4% cash back on prepaid air, hotel, and car reservations booked through the U.S. Bank Travel Rewards Center. Once the intro period ends, the card has little reason to stay in regular use, especially with a foreign transaction fee ruling it out abroad. The $20 annual statement credit for 11 consecutive months of purchases and cell phone protection of up to $600 per claim are pleasant extras, not reasons to apply.
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.