U.S. Bank Shopper Cash Rewards® Visa Signature® Card

The U.S. Bank Shopper Cash Rewards® Visa Signature® Card is a rewards card designed for people who are willing to put just a little effort into how they earn their cash back. You can earn up to 6% cash back per quarter at the two retailers you choose. The list of eligible retailers includes Amazon, Best Buy, Walmart, and many other popular retailers. However, you are limited to $1,500 combined cash back earnings per quarter. Once you go beyond the $1,500, you’ll earn 1.5% cash back. Also, you need to select your two retail stores each quarter. If you forget, you’ll earn just 1.5% cash back. You need to choose your 3% cash back category as well; otherwise–you guessed it–you’ll earn just 1.5%.

Certain versions of the card have LED technology that lights up the U.S. Bank logo when you use it. We’re not sure how this is helpful, but it does look cool.  We dive into the details and your approval odds in this U.S. Bank Shopper review.

U.S. Bank Shopper Cash Rewards

Our Rating

4.5/5.0

Welcome Offer

$250

Annual Fee

$0 for the first year, then $95

0% on Purchases

N/a

Reward Rate

1.5% to 6% cash back

0% on Balance Transfers

N/a

Welcome Offer

Get a $250 bonus after you spend $2,000 in eligible purchases within the first 120 days of account opening.

Features & Benefits

SecurityEMV Chip Enabled, Zero Liability, Identity theft protection
Contactless PaymentsTap to Pay, Apple Pay, Google Pay
Benefits24/7 customer service
Travel PerksConcierge Services, Emergency Travel Assistance, Roadside Assistance

Rewards

1.5% cash back
All eligible purchases
Earn 1.5% cash back on all other eligible purchases
3% cash back
Select Categories
Earn 3% cash back on your first $1,500 in eligible purchases each quarter on your choice of one everyday category (like wholesale clubs, gas and EV charging stations, bills and utilities)
5.5% cash back
Hotels
Earn 5.5% cash back on prepaid hotel and car reservations booked directly in the Travel Rewards Center.
5.5% cash back
Rental Cars
Earn 5.5% cash back on prepaid hotel and car reservations booked directly in the Travel Rewards Center.
6% cash back
Select Categories
Earn 6% cash back on two retailers you choose, up to $1,500 in combined eligible purchases each quarter.

Interest Rates & Fees

Annual Fee$0 intro annual fee the first year, $95/year thereafter.
Foreign Transaction Fee3% of each foreign transaction
Regular APR19.74% to 29.74% (V) APR

What Credit Score Is Required to Get the U.S. Bank Shopper Cash Rewards® Visa Signature® Card

The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use a number of factors in their underwriting process, and these factors can change at any time.

App StatusDateCredit ScoreBureauCredit Limit
Approved04/14/2023
735
Equifax
$15,000

Pros & Cons

Pros
  • Welcome offer
  • Up to 6% cash back
Cons
  • Annual fee
  • High APR
  • Foreign transaction fee
  • Requires good credit

What Are the Best Alternatives?

Blue Cash Preferred® Card from American Express
Blue Cash Preferred® Card from American Express

Rating

4.5

Rewards Range

1%-6%

Annual Fee

$0 intro annual fee for the first year, then $95.

Capital One Savor Rewards Credit Card
Capital One Savor Rewards Credit Card

Rating

4.5

Rewards Range

1% - 5%

Annual Fee

$95

Wells Fargo Active Cash® Card
Wells Fargo Active Cash® Card

Rating

4.9

Rewards Range

2%

Annual Fee

$0

Related Articles