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: U.S. Bank Shield Visa leads by 3.2 pts. Scores: U.S. Bank Shield Visa 58.6%, Wells Fargo Reflect 55.4%.
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, Wells Fargo Reflect nets $0/yr after annual fees. Use your own numbers →
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 17.74%–28.49% variableRewards No rewards program shownCredit 620–719, 720+ (CFPB TCCP targeted tiers)
⚠ 3% foreign transaction fee · APR up to 28.49% if you carry a balance
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 Wells Fargo Reflect?
On VaultRubric's rubric: U.S. Bank Shield Visa 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.