New U.S. Bank Shield Visa: 2 Years of 0% APR, Plus Rewards
The new card — and its market-leading intro APR offer — effectively replaces the U.S. Bank Visa Platinum, which is now closed to new applications.
Many or all of the products on this page are from partners who compensate us when you click to or take an action on their website, but this does not influence our evaluations or ratings. Our opinions are our own.
Image courtesy of U.S. Bank
U.S. Bank’s credit card portfolio has a new addition, and it's a doozy for anyone seeking a lengthy break from interest charges.
The $0-annual-fee U.S. Bank Shield™ Visa® Card offers what's now a market-leading 0% intro APR period on purchases and balance transfers for the first 24 billing cycles after card opening. (After that, a variable APR will apply.)
As of March 2025, that's the longest promotional interest-free period you're likely to find among major credit card issuers, outshining introductory APR offers from competitors like the Wells Fargo Reflect® Card. U.S. Bank's other primary 0% intro APR card — the U.S. Bank Visa® Platinum Card — is no longer available to new applicants, according to a U.S. Bank spokesperson.
NOTE: The 24-month 0% intro APR period is available only when you apply for the U.S. Bank Shield™ Visa® Card directly through U.S. Bank. The offer available on NerdWallet is a 0% intro APR for 18 billing cycles on purchases and balance transfers, and then the ongoing APR of 17.74%-28.74% Variable APR.
To qualify for the 0% interest rate on balance transfers, cardholders must initiate the transfer within 60 days of account opening. A 5% balance transfer fee applies, which is on the high end for such fees. (The offer available on NerdWallet features a 3% balance transfer fee.)
While the Shield card’s two-year interest-free period is the showstopper, it has some other notable features that aren’t typical of cards in its class. It offers:
4% cash back on prepaid air, hotel and car reservations booked in the U.S. Bank Travel Rewards Center.
A $20 annual statement credit after making purchases with the card for 11 consecutive months.
Cell phone insurance up to $600 of coverage if you pay your cell phone bill with the U.S. Bank Shield™ Visa® Card.
Car rental insurance when you pay for the rental with the Shield card.
The U.S. Bank Shield™ Visa® Card is the latest expansion of U.S. Bank's credit card portfolio and follows closely on the heels of the launch of the U.S. Bank Smartly™ Visa Signature® Card, in late 2024.
Find the right credit card for you.
Whether you want to pay less interest or earn more rewards, the right card's out there. Just answer a few questions and we'll narrow the search for you.
