U.S. Bank Business Shield™ Visa® Card Review

Last Updated on May 13, 2026

Offer Rating

4.5/5

Enjoy flexible financing with the U.S. Bank Business Shield™ Visa® Card and get a long period of low intro APR on purchases and balance transfers.

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U.S. Bank Business Shield Visa Card card art Rates & Fees

U.S. Bank Business Shield™ Visa® Card

4.5 BCC Score
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on U.S. Bank's secure site

Welcome Offer
Rewards Rate
5% cash back on prepaid air, hotels, and car rentals booked directly in the Travel Center when using your card
Intro APR
0% intro on purchases for 12 billing cycles and 0% intro on balance transfers for 12 billing cycles, then 16.24% - 25.24% Variable
Annual Fee
$0
Credit Score Needed
Excellent/Good
Card Brand
Visa
  • 0% Intro APR on purchase and balance transfers for 12 billing cycles. After that, a variable APR currently 16.24% - 25.24%.
  • No annual fee.
  • 5% cash back on prepaid air, hotels, and car rentals booked directly in the Travel Center when using your card.
  • $50 annual statement credit after $5,000 in purchases made through the Travel Center when using your card.
  • $0 fee ExtendPay offer annually (3 months).
  • Additional benefits include Extended Warranty, Purchase Protection, Cell Phone Protection, and Auto Rental Collision damage insurance.
  • Terms and conditions apply.

Pros

  • Pay no annual fee.
  • Get a year-long intro APR on purchases and balance transfers.
  • Enjoy a high rewards rate on select Travel Center purchases.

Cons

  • There is a foreign transaction fee: 3% of each foreign transaction.
  • There is a balance transfer fee: Either 5% of the amount of each transfer or $5 minimum, whichever is greater.

OUR EXPERT REVIEW

Why We Like It

Business owners know that time is money. That's why the U.S. Bank Business Shield™ Visa® Card is such an attractive credit card offer. With a long intro APR on purchases and balance transfers, this powerful card offers maximum flexibility for your finances. Cardholders enjoy an APR of 0% intro on purchases for 12 billing cycles and 0% intro on balance transfers for 12 billing cycles, followed by an ongoing APR of 16.24% - 25.24% Variable.

This card allows you to avoid paying interest because every penny of your payment goes toward paying down the principal of your balance during the intro period. That makes it especially useful for business owners who need to make larger purchases but want the freedom to spread payments out over time without interest. Whether it’s inventory, new office equipment, or operational upgrades, this card gives you a full year to pay those expenses down interest-free. Plus, the U.S. Bank Business Shield™ Visa® Card comes with no annual fee.

Beyond its strong financing features, this card also delivers valuable travel and purchase protections. When using the card, cardholders can earn a $50 annual statement credit after $5,000 in purchases made through the Travel Center, along with 5% cash back on prepaid air, hotels, and car rentals booked directly in the Travel Center. On top of that, additional perks like Extended Warranty, Purchase Protection, Cell Phone Protection, and Auto Rental Collision damage insurance add an extra layer of security and peace of mind for everyday business spending.

Pros & Cons

Pros

  • Pay no annual fee.
  • Get a year-long intro APR on purchases and balance transfers.
  • Enjoy a high rewards rate on select Travel Center purchases.

Cons

  • There is a foreign transaction fee: 3% of each foreign transaction.
  • There is a balance transfer fee: Either 5% of the amount of each transfer or $5 minimum, whichever is greater.

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