- Sign-Up Bonus
- 0
- Spending Multipliers
- 3
- Credits & Features
- 2.5
- Fees
- 4.5
- Application
- 3
- Issuer
- NaN
Summary
- Sign-Up Bonus
- 0
- Spending Multipliers
- 3
- Credits & Features
- 2.5
- Fees
- 4.5
- Application
- 3
- Issuer
- NaN
The US Bank Shield Card is a straightforward, no‑annual‑fee credit card designed for consumers who prioritize everyday protection benefits and simple value over flashy rewards or signup bonuses. Ideal for budget‑conscious individuals, students, or anyone looking for basic credit card perks without extra cost, the card offers cell phone protection up to $600 when you pay your monthly bill with the card and a $20 annual statement credit after making eligible purchases over 11 months—helping offset incidental costs. While it doesn’t include a welcome bonus and carries a 3% foreign transaction fee that makes it less appealing for international travel, the US Bank Shield Card also includes a unique 1x No Fee 3‑Month Extend benefit annually, which can help with short‑term interest relief after certain qualifying events. Overall, this card benefits users who want practical protections and cost‑effective credit access without worrying about annual fees or complicated rewards structures.
Pros
Cons
Issuer
Spending Multipliers
Credits & Features
Application
- Consider having at least a credit history for 2 years
Fees
- No Annual Fee
- 3% Foreign Transaction Fee
- Up to $41 late fee
- Up to $41 return payment fee
- 16.99% - 27.99% Variable APR
- 30.49% APR for Cash Advance
- $10 or 5% of each cash advance amount (whichever is greater)
- 16.99% - 27.99% APR for Balance Transfer
- $5 or 5% of each transfer amount (whichever is greater)