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

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ByGrace Pilling
Edited byDenise Cristobal
ByGrace Pilling
Edited byDenise Cristobal

Updated: June 11, 2024

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U.S. Bank Shopper Cash Rewards™ Visa Signature® Card
Credit Card logo for U.S. Bank Shopper Cash Rewards™ Visa Signature® Card
MoneyGeek Rating
3.7/ of 5

Rewards RateEarn 6% on your first $1,500 in combined eligible ...
APR19.74% – 29.74% variable
Annual Fee$95
Recommended CreditGood - Excellent (690-850)

The U.S. Bank Shopper Cash Rewards™ Visa Signature® Card is a top choice for avid shoppers, offering impressive rewards at major retailers and on everyday expenses. Its welcome bonus and flexible redemption options enhance its appeal, catering to various preferences. The card is adaptable to different spending habits, making it highly beneficial, especially for frequent shoppers at selected retailers. Although you need to consider the annual fee and variable APR, the card's overall value and rewarding benefits make it an attractive option for maximizing shopping rewards.

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

To determine if a card is suitable for your financial lifestyle, you need to explore the features of a credit card, as each aspect offers distinct benefits and possible limitations.

  • Rewards rate: Earn 6% cash back on up to $1,500 in combined purchases each quarter at two selected retailers, including options like Amazon.com™, Walmart® and Target®; 3% cash back on up to $1,500 each quarter in a chosen everyday category, such as wholesale clubs, gas stations, EV charging stations or bills and home utilities; and 1.5% cash back on all other eligible purchases
  • Welcome offer: Earn a $250 bonus after spending $2,000 within the first 120 days of opening your account
  • Regular APR: 9.74%–29.74% (Variable)
  • Annual fee: $0 annual fee for the first year, followed by a $95 annual fee thereafter
  • Introductory APR offer: None

Important Card Details

In this comprehensive analysis, we at MoneyGeek delve into the varied features of the U.S. Bank Shopper Cash Rewards™ Visa Signature® Card, examining how each aspect can impact different types of consumers. Each part offers unique advantages and potential drawbacks, highlighting the importance of aligning card benefits with individual financial habits and needs, from rewards rates to flexible redemption options.

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    Cash Back

    The U.S. Bank Shopper Cash Rewards™ Visa Signature® Card stands out with its 6% cash back at two chosen retailers, ideal for frequent shoppers at popular stores like Amazon.com™, Walmart® and Target®. This benefit, capped at $1,500 each quarter, caters to varied shopping habits. Additionally, its 3% cash back on everyday categories such as gas and utilities underscores its practicality for daily expenses. The base rate of 1.5% on all other purchases ensures rewards don't stop, regardless of spending category. This system rewards strategic spending, making it versatile for maximizing cash back.

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    Welcome Bonus

    New cardholders receive a $250 bonus after spending $2,000 in the first 120 days. This initial spending requirement is aligned with average consumer spending patterns, making it attainable for most users. The bonus is a significant sum, offering immediate value and offsetting any initial costs associated with the card. If you want a quick return on your credit card choice, this welcome bonus is a compelling incentive.

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    Annual Fee

    The card's fee structure deserves attention. With no annual fee in the first year, cardholders can explore the card's benefits without upfront costs. However, the $95 annual fee from the second year onwards requires consideration. This fee is justified for users who frequently utilize the card's high cash back categories, ensuring they gain more value than the fee itself.

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    Other Perks

    Beyond cash back, the U.S. Bank Shopper Cash Rewards™ Visa Signature® Card offers additional perks. Notably, the 5.5% cash back on prepaid car and hotel bookings through the Rewards Center is exceptional for travelers. The access to over 1,100 online stores for increased cash back opportunities expands the card's utility, appealing to online shoppers. The flexible redemption options, including direct deposit to U.S. Bank accounts, provide convenience and personalization in rewards usage. These perks enhance the card's value proposition, making it a well-rounded choice for diverse financial needs.

How the U.S. Bank Shopper Cash Rewards™ Visa Signature® Card Compares

In this comparison, we'll review the features and benefits of two popular credit cards, providing a clear picture to help you decide which aligns best with your financial needs and spending habits.

How This Card Compares

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

  • Rewards rate: Earn 6% cash back on up to $1,500 in combined purchases each quarter at two selected retailers, including options like Amazon.com™, Walmart® and Target®; 3% cash back on up to $1,500 each quarter in a chosen everyday category, such as wholesale clubs, gas stations, EV charging stations or bills and home utilities; and 1.5% cash back on all other eligible purchases
  • Welcome offer: Earn a $250 bonus after spending $2,000 within the first 120 days of opening your account
  • Regular APR: 9.74%–29.74% (Variable)
  • Annual fee: $0 annual fee for the first year, followed by a $95 annual fee thereafter
  • Intro APR offer: None
  • Best for: Frequent shoppers and everyday spenders who keep a mindful eye on the annual fee after year one, with its offer of high cash back rewards
creditCard1 icon

U.S. Bank Cash+® Visa Signature® Card

  • Rewards rate: Earn 5% cash back on two categories of your choice ($2,000 purchase limit per quarter); 2% cash back on your choice of one everyday category, such as gas stations or grocery stores; and 1% cash back on all other eligible purchases
  • Welcome offer: Earn $200 if you spend $1,000 on eligible purchases in the first 120 days
  • Regular APR: 19.74%–29.74% (Variable)
  • Annual fee: $0
  • Intro APR offer: 0% introductory APR for the first 15 billing cycles, then 19.49% to 29.74% variable APR thereafter
  • Best for: Individuals with specific spending habits, offering customizable cash back and an introductory APR period

About Grace Pilling


Grace Pilling headshot

Grace Pilling was the Senior Content Manager for Credit Cards at MoneyGeek. She previously led personal finance teams at Bankrate, CreditCards.com and MoneyUnder30.

Pilling has a bachelor's degree in English from Western Sydney University and a diploma in book editing, proofreading and publishing. She is focused on empowering readers to make informed financial choices that support their best lives, not a company’s bottom line.


*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
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