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U.S. Bank Shield Visa Card

The U.S. Bank Shield Visa Card has no annual fee and earns rewards in one place only: 4% cash back on prepaid air, hotel and car reservations booked in the U.S. Bank Travel Center ⁠2. Its Guide to Benefits lists cell phone protection, auto rental collision damage waiver, purchase security and extended warranty, and the terms add a $20 statement credit after 11 consecutive months of purchases ⁠4⁠2.

Compiled from official sources Checked against U.S. Bank’s terms Last reviewed How we research
Contents11 sections

At a glance

Annual fee$0⁠2
Foreign transaction fee3%⁠2
RewardsEarns 4% cash back only on prepaid air, hotel and car reservations booked in the U.S. Bank Travel Center; no other earning rate is stated.
NetworkVisa
IssuerU.S. Bank · Official card page

What to know about the Shield

Cell phone protection pays up to $600 per claim, one claim per 12 months, after a $100 deductible, and it applies only while the monthly wireless bill is paid with the card: coverage starts the first day of the month after a payment and is suspended for any month the bill is not paid with the card ⁠4. It is supplemental to other insurance, does not cover lost or mysteriously disappeared phones, and theft requires a police report within 48 hours ⁠4.

The auto rental collision damage waiver requires using the card for the entire rental and declining the rental company's CDW ⁠4. It is primary only when renting outside the cardholder's country of residence; in the country of residence, a cardholder with personal auto or other insurance is reimbursed for the deductible and unreimbursed rental company charges, and it covers rentals of up to 15 consecutive days in the country of residence and 31 days abroad ⁠4. Purchase security covers theft and certain damage for 90 days after purchase, up to $500 per claim and $50,000 per cardholder, and pays only after other insurance ⁠4.

Extended warranty doubles an eligible U.S. manufacturer's warranty of three years or less by up to one additional year, with up to $10,000 per claim ⁠4. The guide asks cardholders to notify the Benefit Administrator within 60 days of the product failure and to submit the claim form within 90 days of the failure, while the Benefits Center tile states a 90-day limit counted from the purchase date, so cardholders may want to confirm the deadline with the Benefit Administrator ⁠4⁠3. The $20 statement credit posts within 2 billing cycles of 11 consecutive calendar months of purchases while the account is in good standing ⁠2. The card has a 3% foreign transaction fee, and Roadside Dispatch is pay-per-use ⁠2⁠5.

Earning rewards

How the Shield earns cash back
RateOn
4% cash back Prepaid air, car and hotel reservations booked in the U.S. Bank Travel Center⁠2⁠1

Cash back is redeemed as a statement credit, a deposit to a U.S. Bank savings or checking account, or a U.S. Bank Rewards Card. Cash rewards expire after 12 consecutive statement cycles with no reward, purchase or balance activity.⁠1

Travel insurance and assistance

Rental car coverageAuto Rental Collision Damage Waiver reimburses theft or collision damage up to the actual cash value of most rental cars; reimburses your personal insurance deductible when you have other insurance, and is primary when renting outside your country of residence. Rentals up to 15 consecutive days in your country of residence or 31 days outside it.⁠4⁠3
Roadside assistanceRoadside Dispatch: pay-per-use roadside dispatch (standard towing up to 5 miles, tire changing, jump starting, lockout service, fuel delivery up to 5 gallons plus the cost of fuel, standard winching). Service costs are not covered by the card; the cardholder pays a set fee per service call ($79.95 for a standard service call per the Roadside Dispatch guide, subject to change).⁠3⁠5

Purchase and phone protection

Cell phone protectionUp to $600 per claim for damage, theft or involuntary and accidental parting of a cell phone, 1 claim per 12 months, $100 deductible; pay the monthly wireless bill with the card. Supplemental to other insurance.⁠4⁠3⁠1
Purchase protectionPurchase Security covers new purchases against theft, or damage due to fire, vandalism, accidentally discharged water or certain weather conditions within 90 days of purchase, up to $500 per claim and $50,000 per cardholder; pays on an excess basis after other insurance.⁠4⁠3
Extended warrantyDoubles the original manufacturer's U.S. warranty up to one additional year on eligible warranties of three years or less; up to $10,000 per claim and $50,000 per cardholder.⁠4⁠3

Account features

Zero fraud liabilityZero fraud liability for unauthorized transactions; cardholder must notify U.S. Bank promptly.⁠3
Free credit scoreFree VantageScore credit score from TransUnion, alerts and Score Simulator (TransUnion CreditView Dashboard) for U.S. Bank online and mobile banking customers.⁠1

Statement credits

Annual statement credit$20 per 12-month period. Automatic statement credit within 2 statement billing cycles following 11 consecutive calendar months of purchases; account must be in good standing.⁠2⁠1

Other perks

Choose your payment due datePick a payment due date by calling the number on the card.⁠3
Real-Time RewardsAfter enrolling, receive a text after a purchase and reply REDEEM to apply rewards as a statement credit toward that purchase (must have enough rewards to cover the entire purchase).⁠1

Not listed for this card

The U.S. Bank pages and benefit terms we checked for the Shield do not list these benefits:

Some benefits come from the card network rather than the bank and are not always advertised. Your own Guide to Benefits, or the number on the back of the card, is the final word on what your account covers.

Sources

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