U.S. Bank Business Shield Visa review: Solid 0% APR offer, but little long-term rewards value

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The U.S. Bank Business Shield™ Visa® Card is a 0% APR card with no annual fee. If you're a business owner who wants to lower interest charges, you can use this card to transfer an existing debt balance or finance new purchases. The tradeoff? You'll get little long-term rewards value.

This card's primary benefit is its 0% introductory APR for purchases and balance transfers , but there are a few more perks for longer-term value:

$50 annual statement credit: Spend at least $5,000 each account anniversary year on travel booked through the U.S. Bank Travel Center, and you can earn a $50 statement credit to your account.

U.S. Bank Spend Management: Access U.S. Bank's platform for business owners. You can monitor and track spending across your account (including employee cards), integrate your card account with your accounting software, set permissions and spending limits, and more.

Purchase Security: Protect your eligible purchases against damage or theft for the first 90 days. This covers repairs, replacement, or reimbursement up to the purchase price with a $10,000 maximum per claim and $50,000 maximum per cardholder.

This card is primarily a 0% APR card, so you won't earn many rewards.

Still, you can get 5% cash back on prepaid airfare, hotel bookings, and car rentals booked through the U.S. Bank Travel Center. If you spend $5,000 annually through the Travel Center — enough to earn the $50 annual statement credit — you could get up to $250 cash back. Combined with the $50 statement credit, that's significant savings. However, you'll need to be willing to book all of your business travel through the portal.