Get 0% APR Until 2027 and 4% Cash Back on Travel With This Card
KEY POINTS
- The U.S. Bank Shield™ Visa® credit card offers 0% intro APR for 24 billing cycles.
- It also pays 4% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Center when you use your card.
- There are other cards with shorter intro APR periods but better rewards.
Credit cards that offer a 0% intro APR period can be fantastic debt payoff tools. They allow you to transfer existing debt to them, and make new purchases, without paying interest for months.
The U.S. Bank Shield™ Visa® credit card offers new cardholders 0% intro APR for 24 billing cycles on both purchases and balance transfers -- longer than any other card we've found. On top of that, it can earn you cash back on travel.
Should you apply and see if you can get 0% intro APR for the next two years? Let's break down the key features of this card, as well as a couple alternatives to check out.
Highlights of the U.S. Bank Shield™ Visa® credit card
- 0% intro APR for 24 billing cycles. No other card we've found can match this. The closest contenders offer 21 months of 0% APR.
- 4% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Center when you use your card.
- $20 annual statement credit after you make purchases for 11 consecutive months.
- $0 annual fee.
- 5% ($5 min.).
This card is best for people who want as much time as possible to pay off their balance. It's perfect for balance transfers or for financing large purchases.
The 5% ($5 min.) balance transfer fee is on the high end -- some cards charge 3% -- so make sure the money you'll save on interest outweighs the fee. You'll also need a plan for paying off your full balance before the 0% intro APR period ends and the rate goes up to the card's standard APR.
The cash back on travel and the statement credit are bonuses. If a travel rewards card is what you really want, there are better options.
Two alternatives to consider
The U.S. Bank Shield™ Visa® credit card may have potentially the longest 0% intro APR period available now, but that doesn't necessarily make it the best choice for you.
Discover it® Chrome: Cash back on everyday spending
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= Fair = PoorGood/Excellent (670-850)
Intro APR
Purchases: 0%, 6 months
Balance Transfers: 0%, 18 months
Regular APR
18.24% - 27.24% Variable APR
Rewards 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. 1% unlimited cash back on all other purchases - automatically
1% - 2% Cashback
Annual Fee
$0
Welcome Offer
Discover will match all the cash back you’ve earned at the end of your first year.
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The main draw of this Discover card is the balance transfer offer, which is one of the best we've come across. Unlike many balance transfer cards, it combines that with cash back rewards. But the cash back program doesn't measure up to what other cards offer.
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- Welcome bonus offer
- Gas and restaurants rewards
- 0% intro APR
- No annual fee
- No foreign transaction fee
- Low cash back rates
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- INTRO OFFER: Unlimited Cashback Match for all new cardmembers–only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards.
- Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.
- Get a 0% intro APR for 18 months on balance transfers. Then 18.24% to 27.24% Standard Variable APR applies, based on credit worthiness.
- Redeem your rewards for cash at any time.
- Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. Activate by mobile app for free.
- No annual fee.
- Terms and conditions apply.
This card offers:
- 0% intro APR for 18 months on balance transfers (and for 6 months on purchases). Once the 0% intro APR period ends, a 18.24% - 27.24% Variable APR will apply
- Intro balance transfer fee: 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*.
- 2% cash back at gas stations and restaurants, up to $1,000 in combined purchases each quarter.
- 1% cash back on all other purchases.
- Discover will match all the cash back you’ve earned at the end of your first year.
- $0 annual fee.
Though it has a shorter 0% intro APR period than the U.S. Bank Shield™ Visa® credit card, the Discover it® Chrome card has a lower balance transfer fee. It also earns cash back on purchases that most people make all the time. And the first-year cash back match really sweetens the deal.
If you spent $10,000 on this card in year one, including $1,000+ per quarter on gas and restaurants, you'd earn $280 in cash back.
Want to get 0% intro APR on balance transfers until November 2027 and cash back on everyday purchases? (Then a 18.24% - 27.24% Variable APR will apply.) Click here to apply for the Discover it® Chrome card (see rates and fees).
Chase Freedom Unlimited®: Up to 5% cash back and a sign-up bonus
2025 Award Winner
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= Fair = PoorGood/Excellent (670-850)
Intro APR 0% Intro APR on Purchases and Balance Transfers for 15 months
Purchases: 0% Intro APR on Purchases, 15 months
Balance Transfers: 0% Intro APR on Balance Transfers, 15 months
Regular APR
18.99% - 28.49% Variable
Rewards Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases
1.5% - 5% cash back
Annual Fee
$0
Welcome Offer Intro Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
Earn $200 cash back
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The Chase Freedom Unlimited® is the ideal all-in-one card, offering both big upfront value and long-term rewards. New cardholders can earn a $200 bonus after spending $500 in the first 3 months. Plus, enjoy unlimited 3% back on dining and drugstores, 5% on travel booked through Chase Travel, and 1.5% on all other purchases. With the added benefit of 0% intro APR for 15 months, this card is perfect for a one-card wallet.
Read Full Review -
- Innovative sign-up bonus
- Purchase and travel protections
- Robust rewards program
- Great intro APR
- No annual fee
- Limited bonus opportunities on everyday spending
- Foreign transaction fee
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- Intro Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
- Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.
- No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
- Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.99% - 28.49%.
- No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
- Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
- Member FDIC
This card offers:
- 0% intro APR for 15 months on both balance transfers and purchases.
- Intro balance transfer fee: Either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days.
- 5% cash back on travel purchased through Chase Travel.
- 3% cash back at drugstores, restaurants, takeout, and eligible food delivery.
- 1.5% cash back on all other purchases.
- $200 bonus after you spend $500 within 3 months of account opening.
- $0 annual fee.
The Chase Freedom Unlimited® (see rates and fees) has the shortest 0% intro APR period of this bunch -- but it also has the best rewards, especially for those who like to travel and dine out. The sign-up bonus alone makes it a strong contender.
If you pay off your balance before the 0% intro APR period ends, then you can save a bundle in interest and earn great ongoing rewards -- for no annual fee.
If that sounds like a good deal to you, then click here to apply for the Chase Freedom Unlimited® card now.
Our Research Expert
Managing editor for Motley Fool Money. James has worked full-time for The Motley Fool since 2012. A longtime editor and former reporter, James oversees the production and quality of Motley Fool Money's editorial content.
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