0% Interest

U.S. Bank Shield Visa

Every rate below is the issuer’s own, verified September 3, 2026.

21Months at 0% on transfers

5%Transfer fee

60 daysTo transfer, from opening

Terms apply. See rates & fees on U.S. Bank. Rankings are pure math, never sold.

The rates

How it earns

Every rate here is the issuer’s published number. Points are valued conservatively, in cash-equivalent dollars.

Earn rates U.S. Bank Shield Visa

Everything else0x

0% on purchases · 21 monthsintro

0% on balance transfers · 21 months, 5% feeintro

Deadline to transfer · within 60 days of opening the account60 days

Annual fee$0

Know before you apply

Who gets approvedGood credit, around 670+. Typically ~good credit or better (estimate; issuer does not publish a score).
The 4% cash back is travel-desk onlyEarns 4% cash back only on prepaid air, car and hotel bookings made through U.S. Bank's travel booking; nothing on everyday spending.
The issuer’s terms governRates, fees and bonus conditions are set by U.S. Bank and change without notice. Confirm the current offer before you apply.
Where these numbers came fromCollected by hand from U.S. Bank’s own published terms, last verified September 3, 2026. An automatic check re-reads that page every day. On September 4, 2026 all 7 of the figures it watches here were still printed there.

Compare it against the rest