U.S. Bank Shield Visa

U.S. Bank · Credit card · Balance transfer & 0% APR

4.5 Debt Sunset rating vs. other balance transfer & 0% apr cards

21 billing cycles of 0% intro APR on purchases and balance transfers, plus a small annual statement credit.

Rates, fees and offers

Regular APR: 16.99%–27.99% variable
Annual fee: $0
Promo offers: 0% intro APR for 21 billing cycles on purchases and balance transfers.
Balance transfer fee: 5% of each transfer ($5 minimum)
Rewards: 4% cash back on prepaid travel booked in the U.S. Bank travel center; $20 annual statement credit after 11 months of purchases; cell phone protection up to $600.

Checked September 26, 2026. Offers and rates change often, and your APR depends on your credit. See the issuer’s current terms ↗

Notes

The balance transfer fee is 5%. Make sure the interest you save beats the fee.

Paying and contacting U.S. Bank

Customer service: 1-800-285-8585 · 24 hours (24-Hour Cardmember Service)
Pay by mail: Cardmember Service
P.O. Box 790408
St. Louis, MO 63179-0408

Overnight:
3180 Rider Trail S
Attn: 790408
Earth City, MO 63045

Always check this against the payment address on your own statement: issuers use different addresses by region and product, and a payment mailed to the wrong address can arrive late.
Billing disputes: Cardmember Service
P.O. Box 6335
Fargo, ND 58125-6335

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