Personal Finance Credit Cards
Written by Tessa Campbell; reviewed by Angela Fung
- Rewards
- Benefits
- Fees
- Card Comparison
- FAQs
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The information for the following product(s) has been collected independently by Business Insider: U.S. Bank Shopper Cash Rewards™ Visa Signature® Card, U.S. Bank Cash+® Visa Signature® Card. The details for these products have not been reviewed or provided by the issuer.
U.S. Bank has launched a brand-new cash-back credit card, and it's sure to brighten up your wallet, with high earning rates on popular retail brands (such as Amazon and Walmart) and new LED technology. The U.S. Bank Shopper Cash Rewards™ Visa Signature® Card is a terrific card for almost any household, but if you typically spend more than $1,500 per quarter on retail, you may do better with a different cash-back card.
U.S. Bank Shopper Cash Rewards™ Visa Signature® Card
Insider’s Rating
3.9/5
Perks
Earn 1.5-6% cash back on purchases
Annual Fee
$0 intro for the first year, then $95
Regular APR
18.74-28.74% Variable
Recommended Credit
Excellent/Good
Pros
- High cash-back earning at popular retailers like Amazon, Target, and Walmart
- Ability to customize rewards depending on your spending habits
- Generous welcome bonus offer
Cons
- Annual fee after the first year, foreign transaction fees
- 6% and 3% cash back categories are capped at $1,500 in spending per quarter
- No intro 0% APR offer
Insider’s Take
The U.S. Bank Shopper Cash Rewards™ Visa Signature® Card is a terrific card for almost any household, but if you typically spend more than $1,500 per quarter on retail, you may do better with a different cash-back card.
U.S. Bank Shopper Cash Rewards review External link Arrow An arrow icon, indicating this redirects the user."
Product Details
- The information related to the U.S. Bank Shopper Cash Rewards™ Visa Signature® Card has been collected by Business Insider and has not been reviewed by the issuer.
- $0 intro annual fee for the first year, then $95 a year
- Earn $250 bonus after spending $2,000 in eligible purchases within the first 120 days of account opening
- 6% cash back on your first $1,500 in combined eligible purchases each quarter with two retailers you choose
- 5.5% back on prepaid car and hotel reservations booked through the US Bank Rewards Center
- 3% cash back on your first $1,500 in eligible purchases on your choice of one everyday category (like wholesale clubs, gas and EV charging stations, bills and utilities)
- 1.5% cash back on all other eligible purchases
U.S. Bank Shopper Cash Rewards Card Review
Cash-back cards are some of the best credit cards out there, and the brand-new U.S. Bank Shopper Cash Rewards could be a new crowd favorite. Cardholders can match their current spending habits by earning up to 6% cash back at two eligible retailers of their choosing (including Amazon, Walmart, and Chewy), as well as 3% cash back on an everyday category of their choice (such as gas and EV charging, or wholesale clubs).
It's important to note that the 6% and 3% cash-back earning rates are both capped after the first $1,500 spent in combined purchases each quarter (then earn 1.5%). This could be especially limiting to folks who easily spend more than $1,500 in retail purchases per quarter (around $375 per month). If that's the case, you may be better off with a different rewards card.
The U.S. Bank Shopper Cash Rewardsoffers a generous welcome bonus of $250 bonus after spending $2,000 in eligible purchases within the first 120 days of account opening. And it's especially eye-catching as it's charging an annual fee of $0 intro for the first year, then $95.
Speaking of eye-catching, the U.S. Bank Shopper Cash Rewards is the first to include LED-powered technology in the card's plastic. The U.S. Bank logo lights up when you make a contactless transaction, and select new cardholders will receive this version of the card at no extra cost.
In addition to earning rewards on retail and everyday spending, cardholders can earn 5.5% cash back on hotels and car rentals booked through the U.S. Bank Rewards Center. So if you're an occasional traveler, and you don't mind being limited to Rewards Center bookings, you can do very well with the U.S. Bank Shopper Cash Rewards.
If you're a fan of Visa Signature benefits, the U.S. Bank Shopper Cash Rewards has got you covered. Like many other U.S. Bank credit cards, this card gets you exclusive deals, discounts, and offers for entertainment, shopping, and travel events. Plus, you'll receive complimentary access to the Visa Concierge Service.
Otherwise, you'll get some decent travel and purchase protection perks (like return protection and roadside assistance), but nothing that knocks your socks off. If you're looking for premium card perks, consider applying for a credit card with a higher annual fee.
The U.S. Bank Shopper Cash Rewards, unfortunately, doesn't offer a 0% intro APR on balance transfers or purchases, so it's not an ideal card for consolidating debt or saving on interest.
That said, a similar rewards credit card with a strong 0% intro APR offer also worth considering is the Blue Cash Preferred® Card from American Express. It has a 0% intro APR for 12 months on purchases and balance transfers from the date of account opening (then a 19.24% - 29.99% Variable APR), as well as a similar welcome bonus and annual fee to the U.S. Bank Shopper Cash Rewards.
On the other hand, if you're looking to earn rewards on broader spending categories without comprising the reward customization aspect of the card, then you should give the U.S. Bank Cash+® Visa Signature® Card a look. It earns 5% cash back in two eligible categories of your choice, up to $2,000 in combined purchases per quarter (then 1% back); and earns 2% cash back at grocery stores, gas stations, EV charging stations, or restaurants.
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Annual Fee
$0
Rewards
Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Earn unlimited 1% cash back on all other purchases automatically.
Intro Offer
Earn Unlimited Cashback Match™
Unlimited Cashback Match™ – Discover will automatically match all the cash back you’ve earned at the end of your first year
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Annual Fee
$0
Rewards
Earn 5% cash back on travel purchased through Chase Travel℠, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
Intro Offer
Earn an additional 1.5% cash back on everything you buy
Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back
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Annual Fee
$0
Rewards
Earn unlimited 2% cash rewards on purchases.
Intro Offer
Earn $200 cash rewards bonus
$200 cash rewards bonus after spending $500 in purchases in the first three months from account opening
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U.S. Bank Shopper Cash Rewards Card Rewards
How to Earn Rewards
The highlight of the U.S. Bank Shopper Cash Rewards is the 6% cash back earning rate on purchases from two major retail brands of your choice (from a select list). However, the 6% rate is capped at the first $1,500 in combined purchases each quarter (then earn 1.5% back).
Still, that means you'll be able to spend about $375 per month in combined purchases from both retail brands of your choice. On retail purchases alone, you can earn up to $90 in bonus cash each quarter (up to $360 per year).
This is what you'll earn with the U.S. Bank Shopper Cash Rewards:
- 6% back on two retail brands of your choice, on your first $1,500 in combined eligible purchases each quarter (then 1.5% back)
- 5.5% back on prepaid hotel and car reservations booked directly through the Rewards Center
- 3% back on your choice of one everyday category (such as gas and EV charging stations, wholesale clubs, and bills and utilities), up to your first $1,500 in eligible purchases (then 1.5% back)
- 1.5% cash back on all other eligible purchases
How to Use Rewards
The U.S. Bank Shopper Cash Rewards lets you redeem rewards as a statement credit, a rewards card ($25 minimum to redeem), a gift card, or direct deposit into an eligible U.S. Bank account.
You can access your redemption options in your U.S. Bank online account, under the "Redeem" tab.
U.S. Bank Shopper Cash Rewards Card Benefits and Features
LED Technology
In a unique twist, U.S. Bank is piloting a version of the U.S. Bank Shopper Cash Rewards that has LED-powered technology built into the card's plastic. This lights up the card's U.S. Bank logo when it's used for contactless transactions, and is available to select cardholders while supplies last at no additional cost. If you don't receive an LED version at first, you may be able to upgrade to one in the future, depending on availability.
Visa Signature Benefits
U.S. Bank Shopper Cash Rewards cardholders get a handful of significant discounts, upgrades, and exclusive access to travel, entertainment, fine wine and food, sports, and shopping locations and events. Some of the most notable offers are hotel/resort/cruise travel packages and upgrades, access to over 50 select Sonoma County Visa Signature wineries, and tickets to high-profile games.
Cardholders also get complimentary Visa Signature Concierge services, 24 hours a day, for help finding tickets, booking travel, making dinner reservations, and more. You can call 800-953-7392 for assistance, or 630-359-4551 if you're outside the US.
Extended Warranty
When you use your U.S. Bank Shopper Cash Rewards for to purchase an eligible item that has a manufacturer's warranty, your warranty coverage can be doubled up to one additional year on eligible warranties of three years or less. Registering your purchase (by calling 800-551-8472) is an optional step; otherwise, be sure to keep your monthly billing statement showing the purchase, the itemized sales receipt, and the original U.S. manufacturer's warranty in case you need to file a claim.
Return Protection
If you purchase an eligible item with your U.S. Bank Shopper Cash Rewards and the retailer won't take it back, you could be reimbursed within 90 days of the date of purchase, on up to $250 per item (up to $1,000 annual maximum per account).
Purchase Security
When you use your U.S. Bank Shopper Cash Rewards to purchase an eligible item, you can be covered for theft or damage within the first 90 days of purchase. This purchase protection has a limit of up to $10,000 per claim and up to $50,000 per cardholder.
Roadside Dispatch
You'll get access to the 24/7 roadside dispatch hotline for assistance on emergency services such as towing, jump-starting, or winching. The dispatch service is complimentary, but you'll be responsible for the cost of any actual services provided.
Travel and Emergency Assistance Services
If you encounter trouble while away from home and need emergency assistance, you can contact the hotline for help arranging legal and medical referrals, as well as prescriptions, transaction services, and more. Like the roadside dispatch service, it's free of charge, but you'll be responsible for the cost of any third-party services.
Emergency Card Replacement and Cash Disbursem*nt
In the case of needing a card replacement or emergency cash, you can request assistance at any time, anywhere in the world.
Lost/Stolen Card Reporting
You can receive assistance services 24/7 anywhere in the world if you need to report your credit card as lost or stolen.
U.S. Bank Shopper Cash Rewards™ Visa Signature® Card
Insider’s Rating
3.9/5
Perks
Earn 1.5-6% cash back on purchases
Annual Fee
$0 intro for the first year, then $95
Regular APR
18.74-28.74% Variable
Recommended Credit
Excellent/Good
Pros
- High cash-back earning at popular retailers like Amazon, Target, and Walmart
- Ability to customize rewards depending on your spending habits
- Generous welcome bonus offer
Cons
- Annual fee after the first year, foreign transaction fees
- 6% and 3% cash back categories are capped at $1,500 in spending per quarter
- No intro 0% APR offer
Insider’s Take
The U.S. Bank Shopper Cash Rewards™ Visa Signature® Card is a terrific card for almost any household, but if you typically spend more than $1,500 per quarter on retail, you may do better with a different cash-back card.
U.S. Bank Shopper Cash Rewards review External link Arrow An arrow icon, indicating this redirects the user."
Product Details
- The information related to the U.S. Bank Shopper Cash Rewards™ Visa Signature® Card has been collected by Business Insider and has not been reviewed by the issuer.
- $0 intro annual fee for the first year, then $95 a year
- Earn $250 bonus after spending $2,000 in eligible purchases within the first 120 days of account opening
- 6% cash back on your first $1,500 in combined eligible purchases each quarter with two retailers you choose
- 5.5% back on prepaid car and hotel reservations booked through the US Bank Rewards Center
- 3% cash back on your first $1,500 in eligible purchases on your choice of one everyday category (like wholesale clubs, gas and EV charging stations, bills and utilities)
- 1.5% cash back on all other eligible purchases
U.S. Bank Shopper Cash Rewards Card Fees and Costs
The U.S. Bank Shopper Cash Rewards has a 18.74-28.74% Variable APR.
The card has fees for balance transfers, cash advances, late payments, and returned payments. It also charges a foreign transaction fee, so it's not ideal for international purchases.
U.S. Bank Shopper Cash Rewards Card Comparison
We compared the U.S. Bank Shopper Cash Rewards to other popular cash-back cards to see how they stack up in terms of rewards and benefits.
U.S. Bank Shopper Cash Rewards™ Visa Signature® Card | Blue Cash Preferred® Card from American Express | Capital One SavorOne Cash Rewards Credit Card | |
Annual fee | $0 intro for the first year, then $95 | $0 intro for the first year, then $95 | $0 (rates and fees) |
Rewards rates | 6% cash back on two eligible retailers of your choice, up to $1,500 in combined purchases each quarter (then 1.5% back) 5.5% cash back on all prepaid travel booked through the Rewards Center 3% cash back in your choice of everyday category, up to your first $1,500 in purchases each quarter (then 1.5% back) 1.5% cash back on all other eligible purchases | 6% cash back at U.S. supermarkets on up to $6,000 spent per year, then 1% back 6% back on select U.S. streaming subscriptions 3% back at U.S. gas stations and on transit 1% back on all other purchases Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit | 10% cash back on Uber and Uber Eats purchases through 11/14/2024 5% cash back on hotels and rental cars booked through Capital One Travel 3% cash back on dining, grocery stores (excluding superstores like Walmart and Target), and eligible streaming services and entertainment 1% cash back on all other purchases |
Welcome bonus | $250 bonus after spending $2,000 in eligible purchases within the first 120 days of account opening | $250 statement credit after you spend $3,000 in eligible purchases on your new card within the first six months from account opening | $200 cash back after you spend $500 on purchases within three months from account opening |
Benefits | Emergency card replacement and cash disbursem*nt Lost/stolen card reporting Roadside dispatch Travel and emergency assistance services Visa Signature Benefits Extended Warranty Return protection Purchase security | 0% intro APR for 12 months on purchases and balance transfers from the date of account opening (then a 19.24% - 29.99% Variable APR) Disney bundle credit Car rental loss and damage insurance Global assist hotline Purchase protection Extended warranty Amex Offers** | 0% intro APR on purchases and balance transfers for 15 months (3% fee for the first 15 months, then 4% at a promotional APR that Capital One may offer you at any other time) (then a 19.99% - 29.99% Variable APR) Extended warranty*** Travel accident insurance*** Travel assistance services*** No foreign transaction fees*** Complimentary Uber One membership, through 11/14/2024 (activation required) |
Review | Amex Blue Cash Preferred review | Capital One SavorOne Cash Rewards review |
U.S. Bank Shopper Cash Rewards Frequently Asked Questions
Is the U.S. Bank Shopper Cash Rewards card worth it?
The newU.S. Bank Shopper Cash Rewards is worth it for folks who spend big on popular retail brands and everyday spending categories. Plus, along with a generous welcome bonus of $250 bonus after spending $2,000 in eligible purchases within the first 120 days of account opening, you'll pay an annual fee of $0 intro for the first year, then $95.
However, with the U.S. Bank Shopper Cash Rewards both 6% and 3% earning categories are capped at $1,500 per quarter (then 1.5% back). So if you typically exceed that amount on retail/everyday spending purchases, then you might want to switch to different cash-back card.The U.S. Bank Shopper Cash Rewards is also not ideal for international purchases, or for folks looking to pay down credit card debt with a 0% introductory APR offer.
What credit score do you need to qualify for the Shopper Cash Rewards card?
To be considered for the U.S. Bank Shopper Cash Rewards you should have agood credit score or excellent credit score (FICO score of at least 670).
What is U.S. Bank ExtendPay?
ExtendPay is a new payment option for folks who need to divide up their credit card purchases into monthly payments with no interest. But keep in mind, it still charges a fixed monthly fee. Also, not all purchases made with your credit card are eligible for the payment plan; only purchases made within 60 days prior to signing up to ExtendPay and are over $100 (and less than your purchase balance when you sign up) are eligible for the plan.
If you're eligible for the ExtendPay Plan, you'll receive a notification in your email or you can check your ExtendPay options in your online account details.
How do I redeem cash back on my U.S. Bank Shopper Cash Rewards card?
You'll be able to redeem your cash-back rewards at any point through the online Rewards Center (which can be accessed once you log into your account and select "Redeem"), or by calling the Cardmember Services number on the back of your card.
Investing and Retirement Reporter
Tessa Campbell is an investing and retirement reporter on Business Insider’s personal finance desk. Over two years of personal finance reporting, Tessa has built expertise on a range of financial topics, from the best credit cards to the best retirement savings accounts.ExperienceTessa currently reports on all things investing — deep-diving into complex financial topics, shedding light on lesser-known investment avenues, and uncovering ways readers can work the system to their advantage.As a personal finance expert in her 20s, Tessa is acutely aware of the impacts time and uncertainty have on your investment decisions. While she curates Business Insider’s guide on the best investment apps, she believes that your financial portfolio does not have to be perfect, it just has to exist. A small investment is better than nothing, and the mistakes you make along the way are a necessary part of the learning process.Expertise:Tessa’s expertise includes:
- Credit cards
- Investing apps
- Retirement savings
- Cryptocurrency
- The stock market
- Retail investing
Education:Tessa graduated from Susquehanna University with a creative writing degree and a psychology minor.When she’s not digging into a financial topic, you’ll find Tessa waist-deep in her second cup of coffee. She currently drinks Kitty Town coffee, which blends her love of coffee with her love for her two cats: Keekee and Dumpling. It was a targeted advertisem*nt, and it worked.
Marketing Compliance Manager
Angela Fung is the Compliance Manager for Business Insider'sPersonal Financedivision, overseeing a team that ensures content accuracy and editorial independence so readers are always getting up-to-date and objective financial advice.The compliance team's mission is to maintain reader trust by confirming stories are fact-checked and current so that readers can make informed financial decisions. The team also works to minimize risk for partners by maintaining clear, precise language that is compliant with regulatory and partner marketing guidelines that align with the editorial team.
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For rates and fees of the Blue Cash Preferred® Card from American Express, please click here.
Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards.
Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.
**Enrollment required.
Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Trip Delay Insurance, Trip Cancellation and Interruption Insurance, and Cell Phone Protection Underwritten by New Hampshire Insurance Company, an AIG Company. Global Assist Hotline Card Members are responsible for the costs charged by third-party service providers. If approved and coordinated by Premium Global Assist Hotline, emergency medical transportation assistance may be provided at no cost. In any other circ*mstance, Card Members may be responsible for the costs charged by third-party service providers. Extended Warranty, Purchase Protection, and Baggage Insurance Plan Underwritten by AMEX Assurance Company. Car Rental Loss & Damage Insurance Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.
***Terms, conditions, and exclusions apply. Refer to your Guide to Benefits for more details. Travel Accident Insurance is not guaranteed, it depends on the level of benefits you get at application.
For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
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