Purchase APR
17.49–30.49%
Annual fee
None
Foreign fee
None
Top-25 issuer620–719720+Cashback
Carrying $3k for a year ≈ $764.70
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71
USB Shield
U.S. Bancorp
Top-25 issuerNationalVariable · PrimeCredit score 620–719Credit score 720+
Purchase APR
16.99–27.99%
Annual fee
None
0% intro
24 mo
0% transfer
24 mo
Foreign fee
3%
Grace period
26 days
Purchase APR by credit tier
Median rate the issuer reported for each tier
No score
—
≤619
27.99%
620–719
26.99%
720+
22.99%
Lowest offered16.99%
Median24.99%
Highest offered27.99%
Introductory purchase APR
Promotional window: 24 months
The intro rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered0%
Median0%
Highest offered0%
Balance transfer APR
Promotional window: 24 months
The transfer rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered0%
Median0%
Highest offered0%
Cash advance APR
The cash advance rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered31.24%
Median31.24%
Highest offered31.24%
Every fee on this card
Annual feeNone
Balance transfer fee5% (min $5)
Cash advance fee5% (min $10)
Foreign transaction fee3%
Purchase transaction feeNone
Late fee$30
Repeat late fee (6 mo)$41
Over-limit feeNone
Minimum finance charge$1
Balance computationAverage daily balance including new purchases
Additional fees
Return Pymt Fee$41
Rewards, benefits and features
Rewards
- Cashback rewards
- Travel-related rewards
Services
- Access to Free Credit Scores
- Discounts on purchases of goods and services (non travel related)
Features
- Contactless Payments
- Chip card
- Mobile wallet provisioning (for example, Apple Pay)
Who can get this card
AvailabilityNational
Membership requirementsOpen to the public
Phone800-285-8585
Balance transfer calculator
Stay put — 24 mo at 24%$1,200
Transfer fee (5%)$250
Promo interest at 0.00%$0
You save$950
Assumes you pay the balance down evenly across the 24-month promotional window, so the average outstanding balance is about half the transfer. Rates revert to 24.99% afterwards.
Cost to carry a balance
Interest for a year at 24.99%$749.70
Annual / periodic fees$0
Total yearly cost$749.70
Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 26-day grace period avoids the interest entirely.
More from this issuer
Purchase APR
16.49–26.49%
Annual fee
None
Foreign fee
None
Top-25 issuer620–719720+Cashback
Carrying $3k for a year ≈ $494.70
Purchase APR
17.49–27.49%
Annual fee
None
Foreign fee
3%
0% purchases · 15 mo0% transfers · 15 mo
Top-25 issuer620–719720+Travel-related
Carrying $3k for a year ≈ $734.70
Purchase APR
17.74–27.99%
Annual fee
None
Foreign fee
3%
0% purchases · 15 mo0% transfers · 15 mo
Top-25 issuer620–719720+Cashback
Carrying $3k for a year ≈ $689.70