The Shield offers one of the longest intro periods available: 0% APR for 21 months on both purchases and balance transfers, with no annual fee, which is why it tops our list of the best 0% APR cards. That runway makes it a strong pick for paying down existing debt or financing a large purchase over almost two years. The catch is that rewards are nearly absent, with only 4% cash back on prepaid air, hotel, and car reservations booked through the U.S. Bank Travel Rewards Center and no everyday earn rate. Once the intro period ends, there is little reason to keep using it, and the foreign transaction fee rules it out for travel abroad. Treat the $20 annual statement credit for 11 consecutive months of purchases and the cell phone protection as minor extras.
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.