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New U.S. Bank Shield Visa: 2 Years of 0% APR, Plus Rewards
New U.S. Bank Shield Visa: 2 Years of 0% APR, Plus Rewards
The new card — and its market-leading intro APR offer — effectively replaces the U.S. Bank Visa Platinum, which is now closed to new applications.Many or all of the products on this page are from partners who compensate us when you click to or take an action on their website, but this does not influence our evaluations or ratings. Our opinions are our own.
Published Written by Lead Writer & Content Strategist + more + more Edited by Managing Editor + more + more SOME CARD INFO MAY BE OUTDATEDThis page includes information about these cards, currently unavailable on NerdWallet. The information has been collected by NerdWallet and has not been provided or reviewed by the card issuer.
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In March 2026, U.S. Bank shortened the 0% introductory period to 21 months, which is also the current offer you get through NerdWallet. In March 2026, U.S. Bank shortened the 0% introductory period to 21 months, which is also the current offer you get through NerdWallet. Image courtesy of U.S. Bank U.S. Bank’s credit card portfolio has a new addition, and it's a doozy for anyone seeking a lengthy break from interest charges. The $0-annual-fee U.S. Bank Shield™ Visa® Card offers what's now a market-leading 0% intro APR period on purchases and balance transfers for the first 24 billing cycles after card opening. (After that, a variable APR will apply.) $0 U.S. Bank Shield™ Visa® Card As of March 2025, that's the longest promotional interest-free period you're likely to find among major credit card issuers, outshining introductory APR offers from competitors like the Wells Fargo Reflect® Card. U.S. Bank's other primary 0% intro APR card — the U.S. Bank Visa® Platinum Card — is no longer available to new applicants, according to a U.S. Bank spokesperson. Wells Fargo Reflect® Card U.S. Bank Visa® Platinum Card To qualify for the 0% interest rate on balance transfers, cardholders must initiate the transfer within 60 days of account opening. A 5% balance transfer fee applies, which is on the high end for such fees. NOTE: The offer available on NerdWallet features different balance transfer fee terms: 0% intro APR for 18 billing cycles on purchases and balance transfers NOTE: The offer available on NerdWallet features different balance transfer fee terms: NOTE: While the Shield card’s two-year interest-free period is the showstopper, it has some other notable features that aren’t typical of cards in its class. It offers: 4% cash back on prepaid air, hotel and car reservations booked in the U.S. Bank Travel Rewards Center. A $20 annual statement credit after making purchases with the card for 11 consecutive months. Cell phone insurance up to $600 of coverage if you pay your cell phone bill with the U.S. Bank Shield™ Visa® Card. U.S. Bank Shield™ Visa® Card Car rental insurance when you pay for the rental with the Shield card. The U.S. Bank Shield™ Visa® Card is the latest expansion of U.S. Bank's credit card portfolio and follows closely on the heels of the launch of the U.S. Bank Smartly™ Visa Signature® Card, in late 2024. U.S. Bank Shield™ Visa® Card U.S. Bank Smartly™ Visa Signature® Card Article sources NerdWallet writers are subject matter authorities who use primary, trustworthy sources to inform their work, including peer-reviewed studies, government websites, academic research and interviews with industry experts. All content is fact-checked for accuracy, timeliness and relevance. You can learn more about NerdWallet's high standards for journalism by reading our editorial guidelines. About the author Jae Bratton Jae is a writer for the credit cards team at NerdWallet. Her writing has been published in newspapers, blogs and an academic journal. See full bio. Helpful resources Best Cash Back Credit Cards Best Travel Credit Cards Best Balance Transfer Credit CardsFind the right credit card for you.
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