The U.S. Bank Shopper Cash Rewards Visa Signature Card is a premium cash-back credit card designed specifically for individuals who prioritize savings on everyday purchases.
Unlike traditional cash-back cards that offer fixed reward rates, this card allows customization, letting users choose two major retailers every quarter where they can earn 5% cash-back.
About U.S. Bank
U.S. Bank, officially known as U.S. Bancorp, is a top-tier financial institution in the United States, offering a wide range of personal, business, and investment banking services.
Established in 1863, U.S. Bank has a long-standing reputation for financial stability, innovation, and customer-centric solutions.
As the fifth-largest commercial bank in the U.S., U.S. Bank serves millions of customers nationwide, providing everything from checking and savings accounts to mortgages, credit cards, and investment services.
The bank is known for its advanced digital banking tools, strong security measures, and competitive credit card products, making it a trusted choice for both consumers and businesses.
Who Is This Card For?
The U.S. Bank Shopper Cash Rewards Visa Signature Card is tailored for individuals who frequently shop at major retailers and want to maximize their cash-back rewards. This card is ideal for:
Frequent shoppers who consistently make purchases at grocery stores, department stores, wholesale clubs, and major online retailers.
Budget-conscious consumers who want to save money on everyday essentials and strategically select cash-back categories to match their spending habits.
Families and households looking for substantial savings on groceries, gas, and dining—three of the most common spending categories.
Tech-savvy consumers who enjoy using contactless payments, mobile wallets, and digital banking for convenience and security.
People who pay off their balances in full each month, ensuring they maximize rewards without incurring interest charges.
Key Advantages of the Card
The U.S. Bank Shopper Cash Rewards Visa Signature Card is loaded with features that make it one of the most rewarding cash-back cards available today.
High Cash-Back Rewards
5% Cash-Back on Two Selected Retailers – Every quarter, cardholders can select two major retailers from an approved list to earn 5% cash-back on their purchases, up to $2,000 per quarter ($100 max cash-back per quarter). Examples of eligible retailers include:
Walmart, Target, Costco, Sam’s Club (for household shopping)
Apple, Best Buy (for tech purchases)
Macy’s, Nordstrom, Kohl’s (for fashion and apparel)
3% Cash-Back on Everyday Essentials – Users automatically earn 3% cash-back on:
Dining, including restaurants and takeout
Gas stations and EV charging stations
Grocery stores and delivery services
1.5% Cash-Back on All Other Purchases – No matter where you shop, you’ll earn a solid 1.5% cash-back rate on all other eligible purchases, ensuring consistent rewards.
Additional Financial Benefits
0% Introductory APR for 15 Billing Cycles – New cardholders benefit from a 0% introductory APR on purchases and balance transfers for the first 15 billing cycles, helping with large purchases or consolidating debt.
No Annual Fee for the First Year – While the card has a $95 annual fee, U.S. Bank waives it for the first year, allowing users to enjoy rewards without immediate costs.
Flexible Redemption Options – Cash-back rewards can be redeemed in multiple ways, including:
Statement credits (reduce your monthly balance)
Direct deposit into a U.S. Bank checking or savings account
Gift cards from major retailers
Premium Visa Signature Benefits
Travel Protection and Insurance – Enjoy coverage for travel accidents, lost luggage reimbursement, trip delay, and cancellation protection when booking with the card.
Auto Rental Collision Damage Waiver – Receive rental car insurance when paying with the card, saving money on expensive rental policies.
Extended Warranty and Purchase Protection – Get extended coverage on eligible items and purchase protection against theft or damage.
Concierge Service and Exclusive Discounts – Access 24/7 Visa Signature concierge services, plus VIP event access, luxury hotel benefits, and shopping discounts.
Contactless and Mobile Payment Compatibility – Works seamlessly with Apple Pay, Google Pay, and Samsung Pay for quick and secure transactions.
Potential Downsides
While the U.S. Bank Shopper Cash Rewards Visa Signature Card has many advantages, there are a few drawbacks to consider:
$95 Annual Fee After the First Year – Although the first year is free, users will need to spend enough annually to offset this fee.
Quarterly Category Selection Required – Unlike fixed rewards cards, this card requires users to manually select their 5% cash-back categories every three months.
Spending Cap on 5% Rewards – The 5% cash-back is capped at $2,000 per quarter (or $8,000 annually), meaning high spenders may hit the limit quickly.
Fees and charges
Late Payment: Up to $41;
Returned payment: Up to $41;
● APR: 18.74% - 28.74%;
● Balance Transfer Fee: either 3% of the amount of each transfer or $5 minimum;
● Cash Advance: either 5% of the amount of each advance or $10 minimum.
Expert review
The U.S. Bank Shopper Cash Rewards® Visa Signature® Card is an exceptional cash-back credit card designed for frequent shoppers looking to maximize their savings.
It offers 5% cash-back on two selected retailers each quarter (up to $2,000 in purchases), 3% on gas, dining, and groceries, and 1.5% on all other purchases.
With a 0% introductory APR for 15 months and no annual fee for the first year, it’s an attractive option.
However, the $95 annual fee after year one and quarterly category selection requirement may not suit all users.
Ideal for savvy spenders seeking flexibility.
You will remain on this site
+Positive points
- High Cash-Back Potential: Earn 5% cash-back on purchases at two selected retailers each quarter (up to $2,000 in purchases).
- Versatile Bonus Categories: Get 3% cash-back on gas, dining, and groceries.
- Introductory 0% APR: Benefit from a 0% intro APR for 15 months on purchases and balance transfers.
- 1.5% Cash-Back on All Other Purchases: Ensures steady rewards even outside of bonus categories.
- First-Year Annual Fee Waived: No annual fee for the first year, making it cost-effective initially.
- Negative points
- $95 Annual Fee After the First Year: While waived initially, the fee may reduce long-term savings.
- Quarterly Category Selection Required: Users must manually choose their top 5% cash-back retailers every quarter.
- Spending Cap on Bonus Categories: The 5% cash-back is limited to $2,000 in purchases per quarter.
