Editorial disclosure: CardRewards.ai is an independent comparison service. Our analysis is based on publicly available card data and is reviewed regularly by our editorial team. Card issuers do not influence our rankings or content. Last updated: May 2026.

VISAVisa Traditional

U.S. Bank Shield Visa Card

Name: U.S. Bank Shield Visa Card
Brand: Usbank
Availability: InStock

Annual Fee

Top Rate

At a Glance

Annual Fee

Authorized User Fee

Foreign Transaction Fee

Network

Visa Traditional

Credit Required

Good to Excellent

Earning Rates

Combine Hotels & Flights

portal

Flights

Prepaid flights booked via the U.S. Bank Travel Center

portal

Hotels

Prepaid hotels booked via the U.S. Bank Travel Center

portal

Car Rentals

Prepaid cars booked via the U.S. Bank Travel Center

All Other

No rewards on general purchases

Benefits & Perks

Annual Credits

$20$20 statement credit

Insurance & Protections

Combined Protection Value

$1,100

Zero Liability on unauthorized charges

You are not responsible for fraudulent transactions reported promptly

Cell phone protection

$600

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

Reviews & Analysis

Pros and Cons

Pros

+0% intro APR for 24 billing cycles on purchases and balance transfers
+No annual fee
+4% cash back on prepaid travel (air, hotel, car) through U.S. Bank Travel Center
+$20 annual statement credit for 11 consecutive months of purchases
+Cell phone protection up to $600 when paying monthly bill with card
+Free credit score access through mobile app
+Flexible cash back redemption including direct deposit to bank accounts

Cons

-3% foreign transaction fee makes it poor for international use
-High variable APR (21.74%-28.74%) after intro period ends
-

Details & Terms

Payment Terms

Purchase APR	21.74%–28.74% (Variable)
Cash Advance APR	29.99% (Variable)
Foreign Transaction Fee	3%
Authorized User Fee	$0

Media & Resources

Card Design

U.S. Bank Shield Visa Card card art from issuer website

Evidence Sources

Source	Date	URL
—	—	View source
—	—	View source

Explore More

See all Usbankcards →Best Credit Cards for Flights Best Credit Cards for Hotels Best Credit Cards for Car Rentals Browse all card categories →Browse all card benefits →Browse all credit cards →

VISAVisa Traditional

U.S. Bank Shield Visa Card

Annual Fee

Top Rate

At a Glance

Annual Fee

Authorized User Fee

Foreign Transaction Fee

Network

Visa Traditional

Credit Required

Good to Excellent

Earning Rates

Combine Hotels & Flights

portal

Flights

Prepaid flights booked via the U.S. Bank Travel Center

portal

Hotels

Prepaid hotels booked via the U.S. Bank Travel Center

portal

Car Rentals

Prepaid cars booked via the U.S. Bank Travel Center

All Other

No rewards on general purchases

Benefits & Perks

Annual Credits

$20$20 statement credit

Insurance & Protections

Combined Protection Value

$1,100

Zero Liability on unauthorized charges

You are not responsible for fraudulent transactions reported promptly

Cell phone protection

$600

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

Reviews & Analysis

Pros and Cons

Pros

+0% intro APR for 24 billing cycles on purchases and balance transfers
+No annual fee
+4% cash back on prepaid travel (air, hotel, car) through U.S. Bank Travel Center
+$20 annual statement credit for 11 consecutive months of purchases
+Cell phone protection up to $600 when paying monthly bill with card
+Free credit score access through mobile app
+Flexible cash back redemption including direct deposit to bank accounts

Cons

-3% foreign transaction fee makes it poor for international use
-High variable APR (21.74%-28.74%) after intro period ends
-

Details & Terms

Payment Terms

Purchase APR	21.74%–28.74% (Variable)
Cash Advance APR	29.99% (Variable)
Foreign Transaction Fee	3%
Authorized User Fee	$0

Media & Resources

Card Design

Evidence Sources

Source	Date	URL
—	—	View source
—	—	View source

Explore More

VISAVisa Traditional

U.S. Bank Shield Visa Card

Annual Fee

Top Rate

At a Glance

Annual Fee

Authorized User Fee

Foreign Transaction Fee

Network

Visa Traditional

Credit Required

Good to Excellent

Earning Rates

Combine Hotels & Flights

portal

Flights

Prepaid flights booked via the U.S. Bank Travel Center

portal

Hotels

Prepaid hotels booked via the U.S. Bank Travel Center

portal

Car Rentals

Prepaid cars booked via the U.S. Bank Travel Center

All Other

No rewards on general purchases

Benefits & Perks

Annual Credits

$20$20 statement credit

Insurance & Protections

Combined Protection Value

$1,100

Zero Liability on unauthorized charges

You are not responsible for fraudulent transactions reported promptly

Cell phone protection

$600

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

Reviews & Analysis

Pros and Cons

Pros

+0% intro APR for 24 billing cycles on purchases and balance transfers
+No annual fee
+4% cash back on prepaid travel (air, hotel, car) through U.S. Bank Travel Center
+$20 annual statement credit for 11 consecutive months of purchases
+Cell phone protection up to $600 when paying monthly bill with card
+Free credit score access through mobile app
+Flexible cash back redemption including direct deposit to bank accounts

Cons

-3% foreign transaction fee makes it poor for international use
-High variable APR (21.74%-28.74%) after intro period ends
-

Details & Terms

Payment Terms

Purchase APR	21.74%–28.74% (Variable)
Cash Advance APR	29.99% (Variable)
Foreign Transaction Fee	3%
Authorized User Fee	$0

Media & Resources

Card Design

Evidence Sources

Source	Date	URL
—	—	View source
—	—	View source

Explore More

Zero Liability on unauthorized charges

You won't be held responsible for unauthorized charges made in store, online, or via mobile device.

Up to $500 purchase protection

$500

Coverage for eligible purchases against damage or theft within 90 days

Show all 6 protections

24/7 lost/stolen card assistance worldwide

Emergency card replacement and cash disbursement services available 24/7 worldwide for lost or stolen cards.

FICO score monitoring

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.

No rewards on general purchases outside travel portal

-Travel rewards require booking through U.S. Bank portal (not direct with airlines/hotels)

-Good to Excellent credit required

Who It's Best For

Best For

✓Consolidating high-interest debt with 0% intro APR for 24 months
✓Making large purchases that need time to pay off interest-free
✓Earning 4% cash back on prepaid travel bookings through U.S. Bank portal
✓Those who value flexible cash back redemption options

Not Ideal For

✗Earning rewards on everyday purchases beyond travel portal bookings
✗International travel due to 3% foreign transaction fee
✗Those who want broad category rewards
✗Premium travel benefits or perks

The Math: Is $0 Worth It?

Credit Utilization (60%)

$20 annual statement credit$12

Excludes earning value, lounge access, insurance, and elite status

Total Value Captured

$12

Annual Fee

-$0

Net Annual Value

+$12

Zero Liability on unauthorized charges

You won't be held responsible for unauthorized charges made in store, online, or via mobile device.

Up to $500 purchase protection

$500

Coverage for eligible purchases against damage or theft within 90 days

Show all 6 protections

24/7 lost/stolen card assistance worldwide

Emergency card replacement and cash disbursement services available 24/7 worldwide for lost or stolen cards.

FICO score monitoring

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.

No rewards on general purchases outside travel portal

-Travel rewards require booking through U.S. Bank portal (not direct with airlines/hotels)

-Good to Excellent credit required

Who It's Best For

Best For

✓Consolidating high-interest debt with 0% intro APR for 24 months
✓Making large purchases that need time to pay off interest-free
✓Earning 4% cash back on prepaid travel bookings through U.S. Bank portal
✓Those who value flexible cash back redemption options

Not Ideal For

✗Earning rewards on everyday purchases beyond travel portal bookings
✗International travel due to 3% foreign transaction fee
✗Those who want broad category rewards
✗Premium travel benefits or perks

The Math: Is $0 Worth It?

Credit Utilization (60%)

$20 annual statement credit$12

Excludes earning value, lounge access, insurance, and elite status

Total Value Captured

$12

Annual Fee

-$0

Net Annual Value

+$12

Zero Liability on unauthorized charges

You won't be held responsible for unauthorized charges made in store, online, or via mobile device.

Up to $500 purchase protection

$500

Coverage for eligible purchases against damage or theft within 90 days

Show all 6 protections

24/7 lost/stolen card assistance worldwide

Emergency card replacement and cash disbursement services available 24/7 worldwide for lost or stolen cards.

FICO score monitoring

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.

No rewards on general purchases outside travel portal

-Travel rewards require booking through U.S. Bank portal (not direct with airlines/hotels)

-Good to Excellent credit required

Who It's Best For

Best For

✓Consolidating high-interest debt with 0% intro APR for 24 months
✓Making large purchases that need time to pay off interest-free
✓Earning 4% cash back on prepaid travel bookings through U.S. Bank portal
✓Those who value flexible cash back redemption options

Not Ideal For

✗Earning rewards on everyday purchases beyond travel portal bookings
✗International travel due to 3% foreign transaction fee
✗Those who want broad category rewards
✗Premium travel benefits or perks

The Math: Is $0 Worth It?

Credit Utilization (60%)

$20 annual statement credit$12

Excludes earning value, lounge access, insurance, and elite status

Total Value Captured

$12

Annual Fee

-$0

Net Annual Value

+$12