The U.S. Bank Shopper Cash Rewards™ Visa Signature® Card is a cash-back credit card that offers a high rewards rate at select retailers, making it a strong choice for frequent shoppers.
Intro Bonus
As of January 2025, the credit card offers a generous $250 bonus after you spend $2,000 in eligible expenses within the first 4 months of account opening.
High Rewards Rate
Earn up to 6% cash back at select retailers, including Amazon, Walmart, Target, and more on your first $1,500 in combined eligible purchases each quarter with 2 retailers your choice. You could choose the same retailers every quarter or choose the ones that would benefit you the most. The full list of retailers are shown below.
Bonus Rewards
The credit card also has a 3% cash back category. You can choose 1 category between gas, wholesale clubs or bills and utilities to earn 3% cash back up to $1,500 per quarter.
Other Cash Back Opportunities
You can earn 5.5% back on hotel and car reservation if you book through Rewards Travel Center by U.S. Bank. All other eligible purchases earn a modest 1.5% cash back.
Flexible Redemption
The credit card allows you to redeem cash back through Statement Credit, Rewards Card, Merchant Gift Cards. You could also directly deposited into your U.S. Bank checking or savings account.
Annual Fees
This credit card comes with a $0 fee for the first year after that $95 annual fee.
Is It Worth It?
The U.S. Bank Shopper Cash Rewards™ Visa Signature® Card is a good option for people who frequently shop at the eligible retailers and can maximize the customizable rewards structure. However, the annual fee and spending caps are important factors to consider before applying.
Here’s the math: If you spend $1,500 each quarter combined in 2 retailers from the list, you would get : $1,500 x 6% = $90 cash back
If you can spend $1,500 in all 4 quarters, you would get $360 cash back.
That by itself covers well beyond the annual fee.
Here are some additional things to keep in mind:
* The 6% cash back rate is only available on the first $1,500 in combined purchases at your two chosen retailers each quarter.
* You need to enroll in the 6% and 3% cash back categories each quarter.
** The card has a variable APR of 19.74% to 29.74%.
If you’re a frequent shopper at the eligible retailers and can take advantage of the high rewards rate, the U.S. Bank Shopper Cash Rewards™ Visa Signature® Card is a good option. However, if you don’t spend a lot at those retailers or if you’re looking for a card with an intro APR, there may be better options available.
My personal experience: I have earned $800 cash back in past 2 years including the intro bonus and paid $95 in annual fees.
If you’re interested in a travel credit card, check out Venture X