U.S. Bank Shield Visa Card
No annual fee · $20/yr in printed statement credits · 0% on everything else · 3.0% foreign transaction fee
Earn rates
| Category | Rate | Cap |
|---|---|---|
| Everything else | 0% | uncapped |
| 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 |
4% | uncapped |
Statement credits — $20/yr on paper
| Credit | Value | How it pays |
|---|---|---|
| Annual purchase-activity statement credit | $20/year | annual |
Monthly and quarterly credits expire if unused — that's where most of their printed value quietly disappears.
Non-cash perks
- Cell phone protection up to $600 (reimbursed for theft/damage when the monthly cell bill is paid with the card)
- Auto rental collision damage waiver
- Extended warranty protection
- Purchase security
- Free TransUnion VantageScore credit score access via online/mobile banking
- U.S. Bank ExtendPay Plan: $0-fee 3-month payment plan offer available once per calendar year after the intro APR period ends
- 0% intro APR for 21 billing cycles on purchases and balance transfers (then a variable 17.74%-28.74% APR; balance transfer fee 5%/$5 min)
- Real-Time Rewards redemption via text message
Does the fee earn out?
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.
More from U.S. Bank
- U.S. Bank Altitude Connect Visa Signature Card
- U.S. Bank Altitude Go Visa Signature Card
- U.S. Bank Altitude Reserve Visa Infinite Card $400/yr
- U.S. Bank Business Altitude Connect Visa Signature Card $95/yr
- U.S. Bank Business Altitude Power Visa Signature Card $195/yr
- U.S. Bank Business Leverage Visa Signature Card $95/yr
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 · upgradedpoints.com · wallethub.com. Spot an error? Tell us.