- Sign-Up Bonus
- 3
- Spending Multipliers
- 5
- Credits & Features
- 0.5
- Fees
- 4
- Application
- 3
- Issuer
- NaN
Summary
- Sign-Up Bonus
- 3
- Spending Multipliers
- 5
- Credits & Features
- 0.5
- Fees
- 4
- Application
- 3
- Issuer
- NaN
The US Bank Shopper Cash Rewards Card is a flexible cash‑back credit card designed for savvy shoppers who want to maximize rewards at their favorite retailers without paying an annual fee in the first year. Cardholders can choose two 6% quarterly retailers—such as Apple, Amazon, Home Depot, Lowe’s, Macy’s, Target, or Walmart—and a 3% quarterly category like wholesale clubs, gas & EV charging, or bills & utilities, making it an excellent match for families, everyday buyers, and deal hunters who tailor their rewards to seasonal spending. While there’s a $1,500 cap on both the 6% and 3% quarterly categories and a 3% foreign transaction fee, the ability to personalize rewards and the 1.5% back on all other purchases adds ongoing value. The US Bank Shopper Cash Rewards Card benefits frequent domestic shoppers who enjoy bonus earnings at key retailers and essential spending categories, though international travelers and those seeking unlimited high‑rate cash back may find the limitations less appealing.
Pros
Cons
Issuer
Spending Multipliers
Credits & Features
Application
- Consider having at least a credit history for 2 years
Fees
- $95 Annual Fee
- 3% Foreign Transaction Fee
- Up to $41 late fee
- Up to $41 return payment fee
- 17.99% - 27.99% Variable APR
- 30.49% APR for Cash Advance
- $10 or 5% of each cash advance amount (whichever is greater)
- 17.99% - 27.99% APR for Balance Transfer
- $5 or 5% of each transfer amount (whichever is greater)