US Bank Shield Credit Card Review

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Benefits

1. Earn a $20 annual statement credit for 11 consecutive months of purchases (calendar month).
2. Earn 4% cash back on prepaid air, hotel and car reservations booked directly in the US Bank Rewards Center. No cash back on other purchases.
3. 0% intro APR for 24 months.
4. No annual fee.

Disadvantages

1. No welcome offer.
2. It has foreign transaction fee, so it’s not a good choice outside the US.

Recommended Application Time

1. We recommend you apply for this card after you have a credit history of at least two years and you are very comfortable with the credit card game.

Summary

This card has a rather unique design, somewhat like a “lite version” of the BBR, offering a small cash bonus each year. However, the annual bonus isn’t very high, so for most readers of this site, it may not be as worthwhile as getting a card with a higher welcome offer.

After Applying

• To check the application status, you can visit this webpage or call (800) 947-1444. If you see the 7-10 days message, it just means they will do a manual review and the outcome could be either approved or denied.
• US Bank reconsideration line: (800) 947-1444.

Historical Offers Chart

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