U.S. Bank Shield® Visa® Card: annual fee, APR and rewards

Fact sheet for the U.S. Bank Shield® Visa® Card, issued by U.S. Bank, with no annual fee and an intro APR offer. Every detail below comes from the issuer’s pricing and terms pages, checked on the date shown at the end of the page.

Issuer	U.S. Bank
Network	Visa
Annual fee	$0
Rewards	4% cash back on prepaid air, hotel and car reservations booked directly in the Travel Center
Purchase APR	After that, a variable APR applies, currently 17.24% - 28.24%
Intro APR	0% intro APR on purchases and balance transfers for the first 21 billing cycles. The 0% introductory APR applies to balance transfers made within 60 days of account opening
Balance transfer fee	Balance Transfer fee of 5% of each transfer amount, $5 minimum
Foreign transaction fee	3% of each transaction
Credit level	Excellent, Good

What new cardholders actually got

In the CFPB's Terms of Credit Card Plans survey for July to December 2025, new accounts on this card got a median purchase APR of 24.99%, with a range of 16.99% to 27.99%. The advertised range above is what the issuer offers today; the survey shows where approved applicants landed.

Source: Consumer Financial Protection Bureau, Terms of Credit Card Plans survey.