US Bank Shield Visa
No annual fee, earning Cash, on the Visa network.
Card terms last verified against issuer pages on 2026-09-20.
The US Bank Shield Visa is a no annual fee card from U.S. Bank earning Cash. It earns 4x on airline (usbanktravel), 4x on hotel (usbanktravel), 4x on car rental (usbanktravel). It carries 1 recurring statement credit worth $20 a year, listed in full below with the cap and reset date for each.
What it earns
Rates are the multipliers U.S. Bank advertises. We do not convert them into a percentage return, because that requires putting a price on Cash and that price is a judgement, not a fact — see how we source this.
| Category | Rate | Notes |
|---|---|---|
| Airline (USBankTravel) | 4x | |
| Hotel (USBankTravel) | 4x | |
| Car Rental (USBankTravel) | 4x |
Statement credits
$20 a year across 1 credit . The columns that matter are the cap and the reset date: a credit paid monthly cannot be saved up, and one that resets on the calendar year expires on 31 December no matter when you opened the card.
Other perks
Benefits that are not dollar statement credits — certificates, lounge visits, point bonuses. Where a value appears it is an estimate, not an amount the issuer credits you, and it is excluded from the credits total above.
| Perk | How often | Estimated value |
|---|---|---|
| Complimentary Credit ScoreFree access to your credit score via the U.S. Bank Mobile App and online banking. | Once a year | — |
Protections and insurance
Coverage terms below are summaries. Insurance benefits are governed by a separate guide to benefits document from the issuer, and the exclusions in that document are what actually decide a claim.
- Cell Phone Protection — Get up to $600 reimbursed per claim if your cell phone is stolen or damaged when you pay your monthly cell phone bill with your US Bank Shield Visa Card (subject to a deductible; maximum claims per 12-month period apply).
Questions people ask about the US Bank Shield Visa
What is the annual fee on the US Bank Shield Visa?
The US Bank Shield Visa has no annual fee.
What statement credits does the US Bank Shield Visa include?
It carries 1 recurring statement credit worth $20 a year in total: $20 Annual Statement Credit ($20, resets on the cardmember year). Verified 2026-09-20.
What does the US Bank Shield Visa earn?
4x on airline (usbanktravel), 4x on hotel (usbanktravel), 4x on car rental (usbanktravel), in Cash.
Does the US Bank Shield Visa charge foreign transaction fees?
Yes — the US Bank Shield Visa charges a foreign transaction fee on purchases made outside the United States.
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