The U.S. Bank Shopper Cash Rewards® Visa Signature® Card offers a unique and flexible take on rewards: 6% back on a limited amount of spending at your two favorite stores. The card has an introductory annual fee of $0 in the first year, and an ongoing annual fee of $95/year.
You get 6% cash back on the first $1,500 in combined purchases made at two retailers you choose. Popular retailers like Target, Amazon, Walmart, Best Buy, Kohl’s, Home Depot and Ikea are among the choices. In addition, you can choose one 3% category (bills and home utilities, gas and EV charging stations, or Wholesale clubs) and you’ll earn 3% on the first $1,500 you spend at this retailer. All other purchases earn 1.5% cash back.
U.S. Bank does not provide any additional information on benefits of the U.S. Bank Shopper Cash Rewards® Visa Signature® Card. Additional card benefits may be available through Visa Signature. See your card’s Guide to Benefits for details.
Annual fee: $0 intro annual fee in the first year, then $95.
This is a direct bank link. All information about U.S. Bank Shopper Cash Rewards® Visa Signature® Card has been collected independently by cardsandpoints.com.
U.S. Bank Shopper Cash Rewards® Visa Signature® Card sign-up bonus
Get a $250 bonus after you spend $2,000 in eligible purchases within the first 120 days of account opening. And enjoy $0 annual fee the first year ($95/year thereafter).
The welcome bonus requires more spending than the best easy cash back welcome bonuses, but having 120 days to earn the bonus is nice.
More about this card
Benefit highlights:
Extended warranty protection.
Return protection.
Purchase security.
Rewards:
6% on your first $1,500 of combined eligible purchases at two select retailers you choose.
3% on your first $1,500 of eligible purchases in one select everyday category you choose.
1.5% on other eligible purchases.
Rewards are earned as cash back.
Learn more:
Learn more about the Shopper Cash Rewards in our review of the card.
U.S. Bank Shopper Cash Rewards® Visa Signature® Card at a glance
Here’s what you need to know about the U.S. Bank Shopper Cash Rewards® Visa Signature® Card.
Rewards
Earn 6% cash back on your first $1,500 in combined eligible purchases each quarter with two retailers you choose.
Earn 3% cash back on your first $1,500 in eligible purchases in the category you choose from among bills and home utilities, gas and EV charging stations, or Wholesale clubs.
Earn 1.5% cash back on all other eligible purchases.
Benefits
U.S. Bank does not promote any benefits of this card. You may be eligible for additional card benefits through Visa Signature.
Other important terms
$0 intro annual fee in the first year
3% foreign transaction fee
Welcome bonus
Annual fee: $0 intro annual fee in the first year, then $95.
This is a direct bank link. All information about U.S. Bank Shopper Cash Rewards® Visa Signature® Card has been collected independently by cardsandpoints.com.
U.S. Bank Shopper Cash Rewards® Visa Signature® Card sign-up bonus
Get a $250 bonus after you spend $2,000 in eligible purchases within the first 120 days of account opening. And enjoy $0 annual fee the first year ($95/year thereafter).
The welcome bonus requires more spending than the best easy cash back welcome bonuses, but having 120 days to earn the bonus is nice.
More about this card
Benefit highlights:
Extended warranty protection.
Return protection.
Purchase security.
Rewards:
6% on your first $1,500 of combined eligible purchases at two select retailers you choose.
3% on your first $1,500 of eligible purchases in one select everyday category you choose.
1.5% on other eligible purchases.
Rewards are earned as cash back.
Learn more:
Learn more about the Shopper Cash Rewards in our review of the card.
U.S. Bank Shopper Cash Rewards® rewards
The U.S. Bank Shopper Cash Rewards® card’s flagship feature is 6% cash back at your favorite stores. Here are the details.
Earn 6% cash back on your first $1,500 in combined eligible purchases each quarter with two retailers you choose. You can choose from any of the following eligible retailers:
- Ace Hardware®
- Apple®
- Amazon.com®
- Anthropologie®
- Bed, Bath, & Beyond®
- Best Buy®
- Chewy.com®
- Crate and Barrel™
- Disney®
- Home Depot®
- Ikea®
- Kohl’s®
- Lowe’s®
- Lululemon®
- Macy’s™
- Menards®
- Nordstrom™
- Pottery Barn®
- QVC®
- Restoration Hardware™
- Target®
- Walmart®
- Wayfair.com
- Williams Sonoma®
Earn 3% cash back on the first $1,500 you spend each quarter in your choice from the following categories:
- Gas and EV charging stations
- Wholesale clubs
- Bills and home utilities
Other eligible purchases earn 1.5% cash back
You can redeem your cash back rewards as a statement credit, a rewards card, merchant gift cards or a deposit into your U.S. Bank checking or savings account. We recommend redeeming your rewards as a statement credit, as there is no obvious way to get additional value out of your rewards.
How to apply:
Annual fee: $0 intro annual fee in the first year, then $95.
This is a direct bank link. All information about U.S. Bank Shopper Cash Rewards® Visa Signature® Card has been collected independently by cardsandpoints.com.
U.S. Bank Shopper Cash Rewards® Visa Signature® Card sign-up bonus
Get a $250 bonus after you spend $2,000 in eligible purchases within the first 120 days of account opening. And enjoy $0 annual fee the first year ($95/year thereafter).
The welcome bonus requires more spending than the best easy cash back welcome bonuses, but having 120 days to earn the bonus is nice.
More about this card
Benefit highlights:
Extended warranty protection.
Return protection.
Purchase security.
Rewards:
6% on your first $1,500 of combined eligible purchases at two select retailers you choose.
3% on your first $1,500 of eligible purchases in one select everyday category you choose.
1.5% on other eligible purchases.
Rewards are earned as cash back.
Learn more:
Learn more about the Shopper Cash Rewards in our review of the card.
A few notes on applying for U.S. Bank credit cards
- U.S. Bank does not limit the number of cards you can hold.
- With most U.S. Bank credit cards, you can get the welcome bonus if you’ve had the card before.
- U.S. Bank does not report small business cards to the consumer credit bureaus. This can be helpful if you are trying to stay under 5/24 for Chase applications.
- You can check your application status by calling U.S. Bank at 1-800-947-1444.
Should you keep the U.S. Bank Shopper Cash Rewards® card after your first year?
With an ongoing annual fee of $95/year, you might be wondering whether it makes sense to keep the U.S. Bank Shopper Cash Rewards® card after the first year. We recommend keeping this card if you consistently get more in rewards from the card than you pay in your annual fee.
The cap on the card’s bonus categories make it very difficult to get enough marginal value from the rewards to justify the annual fee. Here are a few things to keep in mind.
- Amazon, Target, Walmart, and some other merchants offer cards that earn 5% cash back at their stores with no annual fee. If you’re planning on using this card at one of those merchants, you’ll only earn a marginal $60/year if you maximize your spending. Not enough to get the annual fee.
- The marginal 1% you would earn in the 3% categories over a card that earns 2% everywhere ends up being a maximum of $60/year
- You can easily get a card with no annual fee that offers unlimited 3% rewards at gas stations and on EV charging.
Benefits of the U.S. Bank Shopper Cash Rewards®
U.S. Bank promotes the U.S. Bank Shopper Cash Rewards® card as a Visa Signature card. But the bank does not provide any information about the benefits included with the card. Visa Signature cards typically come with a wide range of benefits. You can learn more about Visa Signature benefits at Visa’s website. Not all Visa Signature benefits come with all cards.
