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.
Our score: too close to call (less than 3 points apart). Scores: U.S. Bank Shield Visa 58.6%, Citi Diamond Preferred 56.4%.
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, Citi Diamond Preferred nets $0/yr after annual fees. Use your own numbers →
Criterion scores (0–10)
Annual feeVisa: 10.0 · Preferred: 10.0
Rewards rateVisa: 2.0 · Preferred: 0.0
Sign-up bonusVisa: 0.0 · Preferred: 0.0
Intro 0% APRVisa: 10 · Preferred: 10
Regular APRVisa: 8.0 · Preferred: 8.5
Foreign transaction feeVisa: n/a · Preferred: 3.0
Regulatory record (CFPB)Visa: 8.0 · Preferred: 8.0
Annual fee $0Interest rate (APR) 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
⚠ 3% foreign transaction fee · APR up to 27.49% if you carry a balance · Penalty interest rate (APR) up to 29.99%
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 Citi Diamond Preferred?
On VaultRubric's rubric: too close to call. 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.