Not credit advice. Facts and math from issuer pages and the CFPB, each with its date. Offers change; approval depends on your credit. Verify on the issuer's site.
Rubric: Amex Blue Cash Everyday leads by 6.5 pts. Scores: U.S. Bank Shield Visa 58.6%, Amex Blue Cash Everyday 65.1%.
At a sample $1,920/month (groceries $500, dining $300, gas $150, travel $150, online $200, other $400 …): U.S. Bank Shield Visa nets $0/yr, Amex Blue Cash Everyday nets $434/yr after annual fees. Use your own numbers →
Criterion scores (0–10)
Annual feeVisa: 10.0 · Everyday: 10.0
Rewards rateVisa: 2.0 · Everyday: 5.0
Sign-up bonusVisa: 0.0 · Everyday: 2.0
Intro 0% APRVisa: 10 · Everyday: 8.6
Regular APRVisa: 8.0 · Everyday: 7.0
Foreign transaction feeVisa: n/a · Everyday: 3.0
Regulatory record (CFPB)Visa: 8.0 · Everyday: 10.0
Annual fee $0APR 17.24%–28.24% variableRewards No general rewards; 4% cash back on prepaid travel booked in U.S. Bank Travel CenterCredit 620–719, 720+ (CFPB TCCP targeted tiers)
⚠ APR up to 28.24% if you carry a balance · Late fee up to $41
Annual fee $0APR 19.74%–28.74% variableRewards 3% U.S. supermarkets, U.S. online retail, U.S. gas (each up to $6k/yr); 1% otherCredit 720+ (CFPB TCCP targeted tiers)
⚠ 2.7% foreign transaction fee · APR up to 28.74% if you carry a balance · Penalty APR Prime + 26.74% (variable)
No paid placement. No issuer pays VaultRubric for inclusion or rank; links go to the issuer's own page. Ranks come only from the published rubric below.
FAQ
Which is better, U.S. Bank Shield Visa or Amex Blue Cash Everyday?
On VaultRubric's rubric: Amex Blue Cash Everyday scores higher. The better card for you depends on where you spend; the calculator shows net value for your spending.
Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.