U.S. Bank Shopper Cash Rewards® Visa Signature® Card
Editorial Note: We earn a commission from partner links on Allcards. Commissions do not affect our authors’ or editors’ opinions or evaluations. From our partners: See our advertiser disclosure here.
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.
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
| Security | EMV Chip Enabled, Zero Liability, Identity theft protection |
| Contactless Payments | Tap to Pay, Apple Pay, Google Pay |
| Benefits | 24/7 customer service |
| Travel Perks | Concierge Services, Emergency Travel Assistance, Roadside Assistance |
Rewards
Interest Rates & Fees
| Annual Fee | $0 intro annual fee the first year, $95/year thereafter. |
| Foreign Transaction Fee | 3% of each foreign transaction |
| Regular APR | 19.74% 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 numerous factors in their underwriting process, and these factors can change at any time.
Lowest Approved Credit Score: 735
Average Approved Credit Score: 735
| App Status | Date | Credit Score | Bureau | Credit Limit |
|---|---|---|---|---|
| Approved | 04/14/2023 | Equifax |
Pros & Cons
- Welcome offer
- Up to 6% cash back
- Annual fee
- High APR
- Foreign transaction fee
- Requires good credit
What Are the Best Alternatives?
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
Rating
4.5
Rewards Range
1% - 5%
Annual Fee
$95
Wells Fargo Active Cash® Card
Rating
4.9
Rewards Range
2%
Annual Fee
$0