See if you're pre-approved for the Shield card without affecting your credit score.

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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.

Mobile Carrier Terms.2

Mobile Carrier Terms.2

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U.S. Bank Shield™ Visa® Card

Enjoy a low intro APR for 24 billing cycles. 1

U.S. Bank Visa Platinum Credit Card

Low Intro APR1For a limited time, get a special 0% intro APR on purchases and balance transfers3 for 24 billing cycles. After that the APR is variable, currently 17.74% - 28.74%.

$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

$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 offer each calendar year after the new account 0% introductory purchase APR offer has expired.6

Cell phone protection

Get up to $600 reimbursed if your cell phone is stolen or damaged when you pay your monthly cellular bill 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

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Start of disclosure content

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.

  1. Footnote 1

    The 0% introductory APR applies to purchases and is valid for the first 24 billing cycles. The 0% introductory APR applies to balance transfers made within 60 days of account opening and is valid for the first 24 billing cycles. The introductory rate does not apply to cash advances. Balance Transfer fee of 5% of each transfer amount, $5 minimum will apply.  When you make a payment, the amount up to your Minimum Payment is applied first to the monthly payment obligation for U.S. Bank ExtendPay® Plans and U.S. Bank ExtendPay® Loans if any, and then to non-Fixed Payment Program balances in the order of the lowest to highest APR.  Any amount over your Minimum Payment is applied to balances in the order of highest to lowest APR.

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  2. Footnote 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.

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  3. Footnote 3

    Balance Transfers 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.

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  4. Footnote 4

    Shield Cardmembers will earn 4% cash back for every $1 in eligible Net Purchases spent on prepaid air, car and hotel reservations in the Rewards Center using your Shield Card.  Net Purchases are Purchases minus credits and returns. 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. Please allow 1-2 statement billing cycles for your Cash Rewards to appear on your credit card statement. Account must be open and in good standing (not past due or overlimit) on the closing date of the billing cycle to earn and redeem rewards and benefits. Upon approval, please refer to your Rewards Program Rules in the online Rewards Center by logging into usbank.com for additional information.

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  5. Footnote 5

    An automatic statement credit of $20 per 12-month period will be applied to your U.S. Bank Shield Visa Card Account within 2 statement billing cycles following 11 consecutive calendar months of purchases, if the Account is in good standing (not past due or over limit). We reserve the right to adjust or reverse any portion or all of any credit for unauthorized purchases or transaction credits. 

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  6. Footnote 6

    Account must be in good standing (not past due or overlimit) and meet eligibility requirements to receive the 3 month $0 fee U.S. Bank ExtendPay® Plan offer each calendar year.  This offer will be available within 2 months after the introductory purchase APR offer expires. Eligibility is determined monthly and this offer can only be used once per calendar year. You may designate up to 50% of your credit card line ($100 minimum) in eligible credit card purchases. Only purchase balances are eligible for ExtendPay Plans. Not all transactions are considered to be Purchases and eligible for this offer, such as transactions posting as Convenience Checks; Balance Transfers; or promotional rate Purchases (as defined in your Cardmember Agreement); 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.

    Return to content, Footnote 6
  7. Footnote 7

    Certain terms, conditions and exclusions apply. In order for coverage to apply, you must pay your monthly cellular wireless bill with your Shield Card. Please refer to mycardgtb.com/shield to view the Guide to Benefits (PDF) for further card benefit details including full terms and conditions.

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  8. Footnote 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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  9. Footnote 9

    Cash back is redeemed in the form of a statement credit or a deposit made to your U.S. Bank® Savings or Checking Account based on your designation, or as a U.S. Bank Rewards Card. Subject to applicable law, you may not redeem cash back, and you will immediately lose all of your cash back, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death). Cash Rewards will expire if you do not have any reward, purchase, or balance activity on your account for 12 consecutive statement cycles.

    Return to content, Footnote 9

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.