U.S. Bank Shield™ Visa® Card

Enjoy a low intro APR for 24 billing cycles.1

Get a decision in as little as 60 seconds.

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Mobile Carrier Terms.2

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New card offer

U.S. Bank Shield™ Visa® Card

Enjoy a low intro APR for 24 billing cycles.1

Low Intro APR1For a limited time, get a special 0% intro APR1 on purchases and balance transfers3 for 24 billing cycles. After that the APR is variable, currently $.

$0 Annual FeeEnjoy great benefits with no annual fee.

4% cash back On prepaid air, hotel and car reservations booked directly in the Rewards Center when you use your card.4

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$20 annual statement credit Earn a $20 annual statement credit for 11 consecutive months of purchases.5

Additional benefits

$0 fee U.S. Bank ExtendPay® Plan, annually

Get an opportunity to set up a 3-month $0 ExtendPay Plan each calendar year after the new account 0% introductory purchase APR offer has expired.6

Cell phone protection

Get up to $600 reimbursement if your cell phone is stolen or damaged when you pay your monthly cell phone with your card.7

Free Credit Score Access

Stay aware of your credit score to help keep your finances safe. Enroll in the mobile app and online banking to view your score at anytime.8

Flexible redemption

Get your cash back directly deposited into your U.S. Bank checking or savings account, as a statement credit, a rewards card and more.9

Apply now

Balance transfer calculator

See how much you could save with an introductory 0% balance transfer for 24 billing cycles.

Enter your estimated balance transfer amount and current APR.

Calculator assumes a minimum payment of either $40 or 1% of your new balance (whichever is greater) and a 30-day billing cycle. This calculator is for illustrative purposes only as actual card usage may produce different results.
 

Apply now

Frequently asked questions

In general, our credit card products are for customers with a credit score in the good to excellent range. We also offer several secured credit card products which are designed for people looking to build or rebuild their credit with responsible use.

The U.S. Bank Shield™ Visa® Credit Card typically offers our best and longest introductory APR offer on purchases and balance transfers.

There is no annual fee on the U.S. Bank Shield™ Visa® Credit Card.

U.S. Bank ExtendPay® Plans provide a payment option that allows you to divide eligible credit card purchases into affordable monthly payments with no interest for 3 months.6

If your credit card account is eligible for a U.S. Bank ExtendPay® Plan, you’ll receive a notification via email, or you’ll see ExtendPay Plan options when viewing your card account details or eligible transactions online. The only purchases eligible for an ExtendPay Plan are those that were made within 60 days prior to signing up for ExtendPay, are over $100, and are less than your purchase balance when you sign up for ExtendPay.

ExtendPay Plan eligibility may change based on your credit card account activity.

When you purchase air, car rental or hotel reservations with your U.S. Bank Shield™ Visa® Card through the Rewards Center (online/by phone), you will earn an 4% cash back.

You can get your cash back rewards at any time online through the Rewards Center.

  • Log in at usbank.com or the U.S. Bank Mobile App.
  • On the Dashboard, select View rewards on your Shield card.
  • Then select the Redeem rewards icon and choose the reward you would like to redeem.

Yes. Your U.S. Bank Shield™ Visa® Credit Card is eligible to use at the Rewards Center Shopping Deals. Shopping Deals is the easiest way to earn additional cash back while shopping online at over 1,100 stores using your U.S. Bank Shield™ Visa® Credit Card.

  • Log in at usbank.com or the U.S. Bank Mobile App.
  • On the Dashboard, choose View rewards for your Shield card.
  • Then select the Shopping deals under "What’s New" and start shopping.

Yes. Your U.S. Bank Shield™ Visa® Credit Card is eligible for Real Time Rewards, a redemption method that instantly turns your purchases into rewards. You can use your mobile device to redeem cash rewards earned on your U.S. Bank Shield™ Visa® Credit Card.

Once enrolled, redemption is quick and easy. Make a purchase on your U.S. Bank Shield™ Visa® Credit Card. You’ll receive a text with the option to redeem cash rewards toward that purchase. Reply "REDEEM" to complete the redemption. You must have enough cash rewards to cover the entire purchase in order to receive the text message to redeem.

Your cash rewards will be deducted from your cash rewards balance and redeemed in the form of a credit to your monthly billing statement. See program rules for additional details.

Looking for a credit card with different benefits?

Compare all credit cards.

Review our credit card offerings and compare their benefits, rewards, APRs and welcome offers.

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Build or reestablish credit.

Build credit for the future with the U.S. Bank Secured Visa® Card.
 

Learn more
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Disclosures

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. Upon approval, see your Cardmember Agreement for details. Each merchant’s business is identified by a category code established by Visa. A Purchase will not earn additional rewards if the category code applied to a merchant is in a category that is not eligible for additional rewards earning. We do not determine the category codes applied to merchants’ businesses and reserve the right to determine which Purchases qualify for additional rewards.

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  2. By clicking Apply, 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.

  3. 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.

  8. Free credit score access, alerts and Score Simulator through TransUnion's CreditView™ Dashboard are available to U.S. Bank online and mobile banking customers only. Alerts require a TransUnion database match. It is possible that some enrolled members may not qualify for the alert functionality. The free VantageScore® credit score from TransUnion® is for educational purposes only and not used by U.S. Bank to make credit decisions.

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The Contactless Symbol and Contactless Indicator are trademarks owned by and used with the permission of EMVCo, LLC.

The creditor and issuer of this card is U.S. Bank National Association, pursuant to a license from Visa U.S.A. Inc., and the card is available to United States residents only.