01 · overview
Annual fee
$0
No fee
Sign up bonus
—
No current offer
Credits
$20
1 credit
Median FICO
—
Approved
Median income
—
Approved
Our take
The Shield's 21-month 0% intro APR is one of the longest runways on the market, and it covers both purchases and balance transfers with no annual fee. That makes it a strong pick if you're paying down existing debt or financing a large purchase over the next year and a half. The catch is the rewards are thin: outside of 4% cash back on prepaid travel booked through the U.S. Bank Travel Center, there's no everyday earn rate, so once the intro period ends the card has little reason to stay in your wallet. Treat the $20 annual statement credit and cell phone protection as minor extras.
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Apply now02 · earn & credits
Earn rates & credits
Earn rates
| Category | Rate |
|---|---|
Travel (via Portal) Prepaid air, hotel, and car reservations booked in the U.S. Bank Travel Rewards Center | 4% |
Statement credits
| Credit | Value |
|---|---|
Annual Statement Credit Earn a $20 annual statement credit for 11 consecutive months of purchases | $20 /yr |
| Total annual value | $20 |
Intro APR
0% for 21 months on balance transfers
0% for 21 months on purchases
Then 16.99%–27.99% variable APR
03 · approval odds
Approval odds
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05 · reading