U.S. Bank Visa Platinum 0% APR & payoff plan.
The U.S. Bank Shield® Visa® Card offers an attractive introductory APR of 0% for 21 billing cycles on purchases and balance transfers, with a subsequent variable APR ranging from 16.99% to 27.99%. There is no annual fee associated with the card. Key benefits include 4% cash back on eligible travel bookings, a $20 annual statement credit after 11 months of purchases, cell phone protection up to $600, and free access to credit scores. The card also features a flexible redemption system for cash back rewards. Additionally, it won accolades for being one of the best cards for introductory APR and balance transfers, highlighting its competitiveness in the market.
Terms last verified Jun 26, 2026 from the issuer page. Always confirm current terms with the issuer before applying.
- 0% on purchases
- 21 billing cycles
- 0% on transfers
- 21 billing cycles
- Balance transfer fee
- 5% (min $5)
- Regular APR
- 16.99% – 27.99% variable
- Annual fee
- $0
- Issuer
- U.S. Bank
- Category
- Low APR
Promo APR details
The 0% introductory APR applies to purchases and balance transfers made within 60 days of account opening for the first 21 billing cycles. After this period, the regular APR will apply.
Payoff strategy
Treat it as an 18-month interest-free loan. Divide the balance by 18, auto-pay, and close the card or stop using it once it hits zero.
When this card makes sense
The U.S. Bank Visa Platinum is most useful when the offer matches the job. If you are paying down existing debt, the 21 billing cycles 0% balance transfer window is the lever. If you are financing a planned purchase, lean on the 21 billing cycles 0% purchase window. After the promo ends, the 16.99% – 27.99% variable regular APR is expensive, so the only winning move is finishing the payoff before the snap-back date.
Calculations are estimates for educational purposes only and do not constitute financial advice. Actual payoff timelines, interest charges, and credit outcomes may vary.