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Author - Sam
Updated: April 9, 2025 | Credit Card Review The U.S. Bank Shield™ Visa® Card gives you a long 0% interest rate period on purchases and balance transfers. It also offers some basic benefits, such as auto rental insurance, purchase protection, cell phone protection, and extended warranty.
- Credit: Good/Excellent credit needed
- Credit report: US Bank will usually pull your Experian credit report
- Freeze IDA/ARS: If you frequently apply for credit cards, first freeze your IDA/ARS bureaus before applying for a US Bank credit card
- Combining same-day credit inquiries: Credit inquiries for same-day applications will usually get combined but not always
- Check application status: You can check your application status by calling 1 800 947 1444
- Reconsideration: If declined you can call 1 800 685 7680 and ask to speak to the credit card reconsideration department
- Balance transfer fee: 5% of the amount of each transfer or $5 minimum, whichever is greater.
- You cannot transfer balances from other credit cards issued by US Bank
- To receive the Intro APR offer, transfers must be completed within the first 60 days of account opening
Secondary coverage on rentals when renting within your country of residence (coverage is primary when renting outside your country of residence). Coverage is for rentals up to 15 days when renting within your country of residence, and up to 31 days when renting outside your country of residence. (Coverage is not offered in Israel, Jamaica, the Republic of Ireland, or Northern Ireland).
Get reimbursed for up to $600 per claim (with a $100 deductible) if your cell phone breaks or gets stolen. To activate coverage, you need to pay your monthly cell phone bill with your U.S. Bank Shield™ Visa® Card. Max 1 claim per year.
Get a $20 statement credit per 12-month period after 11 consecutive calendar months of using your card.
Get your original manufacturer’s warranty time doubled (up to a year). (Will only cover if the original warranty is for 3 years or less). Max $10,000 per claim, $50,000 per account.
3%
Get refunded if your purchase is damaged or stolen, up to 90 days from the date of purchase. Max $500 per claim, $50,000 per account.
