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forum threadmariox posted Apr 30, 2025 11:09 PM
forum threadmariox posted Apr 30, 2025 11:09 PM

U.S. Bank Shield Visa Card - 0% intro APR for 24 months

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For a limited time, get a special 0% intro APR on purchases and balance transfers for 24 billing cycles.

https://www.usbank.com/credit-car...-card.html
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For a limited time, get a special 0% intro APR on purchases and balance transfers for 24 billing cycles.

https://www.usbank.com/credit-car...-card.html

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Pro
Apr 30, 2025 11:27 PM
2,333 Posts
Joined Jan 2024
Apr 30, 2025 11:27 PM
WolfTheCat
Pro
Apr 30, 2025 11:27 PM
2,333 Posts

Our community has rated this post as helpful. If you agree, why not thank WolfTheCat

Key features:

- $20 cash back if you use the card once per billing statement for 11 months. Not bad free money, buy a stick of gum every month.
- 5% balance transfer fee is steep, but at 0% APR for two years, that makes it potentially a cheap loan. Personal loan companies are charging way more in interest. I can rack up a better cash back card and transfer.
- Cashback/bonus features basically suck. 4% back on travel purchases made through their portal only. Basically useless.
- Most other benefits are minor and fairly typical, like cellphone warranty, extended warranty, and rental car insurance.

I really can't see keeping this card in your wallet and using it for daily purchases - there are far better cards for that.

But, you could get a cheap loan and $20/year. That's not bad at all.
Last edited by WolfTheCat April 30, 2025 at 04:38 PM.
2
Apr 30, 2025 11:33 PM
4,011 Posts
Joined Jul 2010
Apr 30, 2025 11:33 PM
mitchfloridaApr 30, 2025 11:33 PM
4,011 Posts
Citi Simplicity is much better. Zero percent for 21 months, only 3% fee.
1
Original Poster
Pro
Apr 30, 2025 11:40 PM
1,348 Posts
Joined May 2017
Apr 30, 2025 11:40 PM
mariox
Original Poster
Pro
Apr 30, 2025 11:40 PM
1,348 Posts
Quote from mitchflorida :
Citi Simplicity is much better. Zero percent for 21 months, only 3% fee.
For balance transfers, yes Citi's 3% beats this one (5%). I think USBank one would be great for everyday purchases.
1
Apr 30, 2025 11:42 PM
163 Posts
Joined Oct 2007
Apr 30, 2025 11:42 PM
canhelpApr 30, 2025 11:42 PM
163 Posts
US bank gave me $500 credit line
1
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Pro
May 01, 2025 12:40 AM
2,333 Posts
Joined Jan 2024
May 01, 2025 12:40 AM
WolfTheCat
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May 01, 2025 12:40 AM
2,333 Posts
Quote from canhelp :
US bank gave me $500 credit line
A very small, but cheap loan.

Citi simplicity gave me $3k.
Original Poster
Pro
May 01, 2025 12:48 AM
1,348 Posts
Joined May 2017
May 01, 2025 12:48 AM
mariox
Original Poster
Pro
May 01, 2025 12:48 AM
1,348 Posts
Quote from canhelp :
US bank gave me $500 credit line
I got approved for 17k. Putting my kid's tuition on it.
May 07, 2025 10:18 PM
106 Posts
Joined Sep 2015
May 07, 2025 10:18 PM
IamdkoMay 07, 2025 10:18 PM
106 Posts
Quote from WolfTheCat :
A very small, but cheap loan.

Citi simplicity gave me $3k.
Same 😂 wtf am I suppose to do with $500

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May 08, 2025 12:36 AM
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Joined Sep 2014
May 08, 2025 12:36 AM
IK47May 08, 2025 12:36 AM
1,738 Posts
i got 13K credit line, also there is option to see if pre approved which is nice
May 09, 2025 01:52 PM
4,105 Posts
Joined Aug 2010
May 09, 2025 01:52 PM
XealOMay 09, 2025 01:52 PM
4,105 Posts
20k credit line. Needed something like this to buy a bunch of vehicle parts.

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