Home › Credit cards › U.S. Bank Shield Visa

U.S. Bank Shield Visa: terms, score and downsides

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 score 61.4% across 78 cards. Issuer page ↗

Downsides first

• APR up to 28.24% if you carry a balance
• Late fee up to $41

Terms & fees

• IssuerU.S. Bank
• Typebalance transfer
• Annual fee$0 usbank.com, 2026-10-11
• Regular purchase APR17.24%–28.24% variable usbank.com, 2026-10-11
• RewardsNo general rewards; 4% cash back on prepaid travel booked in U.S. Bank Travel Center usbank.com, 2026-10-11
• Sign-up bonus (≈$)$0 No sign-up bonus ($20 annual statement credit for 11 consecutive months of purchases) usbank.com, 2026-10-11
• Intro APR21 months 0% intro APR 21 billing cycles on purchases and balance transfers usbank.com, 2026-10-11
• Foreign transaction feenot found
• Penalty APRnone Agreement: 'There is no Penalty Rate for your Account.' consumerfinance.gov, 2026-06-30
• Late feeup to $41 up to (first and repeat late fee) files.consumerfinance.gov, 2025-12-31
• Balance transfer fee5% files.consumerfinance.gov, 2025-12-31
• Cash advance fee5% files.consumerfinance.gov, 2025-12-31
• Credit needed620–719, 720+ (CFPB TCCP targeted tiers) files.consumerfinance.gov, 2025-12-31
• Grace period26 days files.consumerfinance.gov, 2025-12-31
• Cash advance APR31.24% files.consumerfinance.gov, 2025-12-31
• CFPB survey APR (2025-12-31)16.99%–27.99% files.consumerfinance.gov, 2025-12-31 older; issuer figure above is newer

Complaint record (CFPB)

• Complaints, last 12 months6,770
• Trend▲ 31.8% (last 12 mo 6,770 vs prior 12 mo 5,138)
• Timely response (last 36 mo)100.0%
• Per $1B deposits (12 mo)12.49
• Top issueManaging an account
• Insurance statusFDIC-insured: U.S. Bank National Association (cert 6548, active; deposits $541.9B as of 06/30/2026)

Company-level (U.S. BANCORP), all products, as of 2026-10-12. U.S. Bank complaints: full record → Shown for context; does not change the score.

Score breakdown

• Annual fee 10.0/10Annual fee $0 (as of 2026-10-11). Rubric: $0=10, ≤$95=8, ≤$395=5, ≤$695=3, more=1 (perks/credits are not counted).
• Rewards rate 2.0/10Base 0% on everything, top category 4% (as of 2026-10-11; points/miles valued at 1¢). Score = base/2%×7 + min(top,6)/6%×3. No general rewards; 4% cash back on prepaid travel booked in U.S. Bank Travel Center
• Sign-up bonus 0.0/10Bonus ≈ $0: No sign-up bonus ($20 annual statement credit for 11 consecutive months of purchases) (as of 2026-10-11). Score = value/$75, max 10.
• Intro 0% APR 10/100% intro APR 21 billing cycles on purchases and balance transfers (as of 2026-10-11). Score = months/21×10.
• Regular APR 8.0/1017.24%–28.24% variable (as of 2026-10-11); midpoint 22.74%. Score = (34 − midpoint)/1.4, 0–10.
• Foreign transaction fee n/a/10not found — unknown, scored 5.0/10 (lower of neutral 5 and comparison median)
• Regulatory record (CFPB) 8.0/10Issuer U.S. Bank: Base 10, −2 CFPB 2022-07

0.143×10.0 + 0.143×2.0 + 0.143×0.0 + 0.143×10 + 0.143×8.0 + 0.143×5.0* + 0.143×8.0 = 6.14 → 61.4% (* unknown, imputed)

Is U.S. Bank Shield Visa worth it? (break-even math) →Value for my spending →

Compare with

U.S. Bank Shield Visa vs Citi Simplicity · U.S. Bank Shield Visa vs Wells Fargo Reflect · U.S. Bank Shield Visa vs Citi Diamond Preferred · U.S. Bank Shield Visa vs BankAmericard · U.S. Bank Shield Visa vs Navy Federal Platinum

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

What is the U.S. Bank Shield Visa annual fee?

$0

What is the U.S. Bank Shield Visa APR?

17.24%–28.24% variable

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.