US Bank Shopper Cash Rewards™ Visa Signature® Card
- Annual fee
- $0 for the first year; $95 thereafter
- Recommended credit
- Excellent / Good
- Card network
- Visa
- Regular purchase APR
- 19.74% to 29.74% variable based on creditworthiness and the Prime Rate
At a glance
The US Bank Shopper Cash Rewards™ Visa Signature® Card provides cardholders with the power of 24 store cards in one for a $95 annual fee. The card earns 6% cash back at two retailers of the cardholder’s choice, with brands including Apple, Kohl’s, Target, Amazon, and more.
Our review of the US Bank Shopper Cash Rewards™ Visa Signature® Card
The US Bank Shopper Cash Rewards™ Visa Signature® Card offers accelerated cash back that competes with the best store credit cards on the market. With up to 6% cash back at 24 leading brands, this card comes with a $95 annual fee that is waived for the first year.
Who Can Benefit from the Shopper Cash Rewards™ Card?
Ideal for frequent shoppers at participating retailers, the US Bank Shopper Cash Rewards™ Visa Signature® Card allows cardholders to earn cash back on their purchases. This card is perfect for those looking to maximize their savings and take advantage of benefits such as no annual fee and a competitive APR.
If you love shopping and want to earn rewards on your purchases, consider the US Bank Shopper Cash Rewards™ Visa Signature® Card. With cash back on everyday spending, no annual fee, and other perks, this card is a valuable tool for anyone looking to enhance their shopping experience.
Pre-Qualify Before Applying
US Bank does not offer a pre-qualification portal. Preapproval offers are sent by mail with specific details and an offer code for application. This may be a downside for potential applicants, especially those without an existing banking relationship with US Bank.
No Annual Fee for the First Year
The US Bank Shopper Cash Rewards™ Visa Signature® Card waives the $95 annual fee for the first year. This feature can help you maximize the card’s value without the hassle of an annual fee.
$250 Welcome Offer
New accounts with the US Bank Shopper Cash Rewards™ Visa Signature® Card can earn a $250 bonus after spending $2,000 on eligible purchases within the first 120 days of account opening.
Earn Up to 6% Back
Cardholders can earn up to 6% cash back on combined eligible purchases each quarter with two retailers of their choice, 3% cash back on eligible purchases each quarter in a chosen everyday category, and 1.5% cash back on all purchases.
Other Ways to Earn Cash Back
Cardholders can earn additional rewards through US Bank, such as 5.5% cash back on prepaid hotel and car reservations booked through the US Bank Rewards Travel Center and more cash back at over 1,100 online stores through the Rewards Center Earn Mall.
How to Redeem Rewards
Redeeming cash back rewards with US Bank is simple. Rewards can be claimed as a statement credit, a prepaid card, merchant gift cards, or deposited directly into a US Bank checking or savings account. Rewards must be at least $25 to be redeemed.
Other Card Benefits
The US Bank Shopper Cash Rewards™ Visa Signature® Card also offers various benefits, including Shipt membership discounts, NortonLifeLock protection, online and mobile access, and Visa Signature benefits like zero fraud liability and emergency card replacement.
Should You Apply for the US Bank Shopper Cash Rewards™ Visa Signature® Card?
Despite the $95 annual fee, the US Bank Shopper Cash Rewards™ Visa Signature® Card provides great value with its 6% cash back categories. If your spending aligns with the card’s rewards system, the annual fee is worth it. With the first year fee waived, card ownership is a no-brainer for at least the initial years.
Card features
Benefits as listed on the original card page. They can change; confirm details with the issuer.
- Earn up to 6% cash back at your favorite stores
- Earn 3% cash back on your first $1,500 in eligible purchases on your choice of one everyday category
- No annual fee for the first year; $95 after that
Who this card may suit
- You spend heavily with several retail brands
- You don’t want multiple store cards to keep track of
- You can justify the card's $95 annual fee and get plenty of value out of it
Rates, fees and terms
| Annual Fee | $0 for the first year; $95 thereafter |
|---|---|
| Regular Purchase APR | 19.74% to 29.74% variable based on creditworthiness and the Prime Rate |
| Balance Transfer APR | 19.74% to 29.74% variable based on creditworthiness and the Prime Rate |
| Balance Transfer Transaction Fee | Either 3% of the amount of each transfer or $5 minimum, whichever is greater |
| Cash Advance APR | 29.99% variable based on the Prime Rateq |
| Cash Advance Transaction Fee | Either 3% of the amount of each transfer or $5 minimum, whichever is greater |
| Foreign Transaction Fee | 3% of the transaction amount in U.S. dollars |
| Late Payment Penalty Fee | Up to $41 |
| Return Payment Penalty Fee | Up to $41 |
Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Excellent Credit Good Credit.
Apply Now for US Bank Shopper Cash Rewards™ Visa Signature® Card (opens in a new tab)View issuer terms for US Bank Shopper Cash Rewards™ Visa Signature® Card (opens in a new tab)
US Bank Shopper Cash Rewards™ Visa Signature® Card
Apply Now for US Bank Shopper Cash Rewards™ Visa Signature® Card (opens in a new tab)You will leave this site for the issuer’s page. Confirm current terms there.
Similar cards
Chase Freedom Unlimited®
- INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth…
- Enjoy 6.5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards…
- Annual fee
- None
- Recommended credit
- Excellent / Good
- Intro APR
- 0% for 15 months from account opening date
Discover it® Chrome Gas & Restaurants
- 2% cash back at gas stations and restaurants on up to $1,000 per quarter
- 1% cash back on all other purchases
- Annual fee
- None
- Recommended credit
- Excellent / Good
- Intro APR
- 0% for 15 months from date of account opening
Blue Cash Preferred® Card from American Express
- Earn a $300 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
- $0 intro annual fee for the first year, then $95.
- Annual fee
- $0 for the first year. Then $95
- Recommended credit
- Excellent / Good
- Intro APR
- 0% for 12 months from account opening date