US Bank Shield Credit Card Review (New Card)

physixfan 2025-03-17 2025-03-17

Application Link

Benefits

Earn a $20 annual statement credit for 11 consecutive months of purchases (calendar month).
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.
0% intro APR for 24 months.
No annual fee.

Disadvantages

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

Recommended Application Time

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

Application Link

If you like this post, don't forget to give it a 5 star rating!

[Total: 0 Average: 0/5]

Disclaimer: This story is auto-aggregated by a computer program and has not been created or edited by mycardopinions.
Publisher: Source link

Your email address will not be published. Required fields are marked*

Frequently Asked Questions

Certainly. Unlike personal loans, you won't face any penalties for settling your balance ahead of schedule. However, it's crucial to keep in mind that if your credit card comes with a 0% introductory offer, it's essential to clear your balance completely before the 0% promotion expires and interest charges apply.

However, you can include additional cardholders, each with their own card. While sharing the single credit limit, the primary cardholder remains responsible for settling the debt.

Potentially, yes. Credit card APRs are typically variable, allowing lenders to change rates, impacting your monthly payments. Additionally, be mindful that introductory 0% offers can lead to higher interest rates once they expire. So, it's wise to clear your balance before that happens, if feasible.

Indeed, credit builder cards exist for those with less-than-ideal credit scores. These cards offer lower credit limits (typically £150 to £1,200) and higher interest rates. Responsible use, including full and on-time payments, can gradually boost your creditworthiness, potentially opening doors to better credit card offers down the line.