U.S. Bank Business Shield Visa Card
No annual fee · $50/yr in printed statement credits · no published rate on everything else · no foreign transaction fees
Earn rates · how we got this
| Category | Rate | Cap |
|---|---|---|
| Everything else | not published | the issuer does not print a rate for uncategorised spending |
| Issuer travel portal portal only — pays only if you book through the issuer's own site, so it is excluded from every ranking on this site |
5% | uncapped |
Statement credits — $50/yr on paper · how we got this
| Credit | Value | How it pays |
|---|---|---|
| Annual Travel Center statement credit | $50/year | annual · resets on your card anniversary |
Monthly and quarterly credits expire if unused — that's where most of their printed value quietly disappears.
Non-cash perks
- 0% intro APR for 12 billing cycles on purchases and balance transfers (U.S. Bank's longest standard business intro-APR offer)
- Purchase Security (reimbursement if an eligible purchased item is stolen or damaged)
- Zero fraud liability
- U.S. Bank Spend Management platform
- 3-month $0-fee ExtendPay Plan offer each calendar year after the intro purchase APR expires
- Free employee cards
Does the fee earn out? · how we got this
No annual fee, so every point earned is pure upside. The question is only whether its rates beat the other cards already in your wallet — which depends on your spending, not the card.
Check the current offer on the issuer's site → Where a card link will appear once available — no link on this page pays us today.
Who this card is not for
Every point below is a term the issuer prints, read off this card's own row in our database — not an opinion about the card. two things on this card rule out a kind of spender:
- Anyone who doesn't spend at the issuer's travel portal. Its largest printed rate, 5% on issuer travel portal, pays only at the issuer's travel portal. Elsewhere in that category the card earns 5%, so the headline number is a loyalty rate rather than a category rate — which is why no ranking on this site counts it.
- Anyone wanting one card for everything. The issuer publishes no earn rate for spending outside the categories above, so we cannot tell you what an uncategorised dollar earns here. We print that as unknown rather than as a zero, but it does mean this card cannot be judged as an everything card.
More from U.S. Bank
Which card should this spending actually be on? The demo re-scores a year of realistic spending against every card in a wallet — free, no signup. See it on sample data →
Verified 2026-08-21 against issuer terms · sources: www.usbank.com. Spot an error? Tell us.