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U.S. Bank · credit
Last updated
Is the U.S. Bank Shopper worth keeping when the fee hits?
Welcome offer — $250 bonus after $2,000 spend in first 120 days Verified by source
Apply on U.S. Bank's siteOfficial issuer page (not an affiliate link yet) · how we earn
Typically needs good credit (670–739) — guideline, not a guarantee · Set your credit profile
Personalize this for you add your cards & memberships and we'll show what it's really worth to you.
What this card delivers across six value dimensions (0–100, normalized).
| 6× | Two chosen retailers (Amazon, Target, Walmart, etc.) — First $1,500 combined/quarter, then 1.5% Verified by source |
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| 3× | One chosen everyday category (wholesale clubs, gas & EV charging, bills & utilities) — First $1,500/quarter, then 1.5% Verified by source |
| 5.5× | Hotels & car rentals via U.S. Bank Rewards Travel Center Verified by source |
| 1.5× | All other eligible purchases Verified by source |
No lounge access.
| Cell phone protection | Up to $600 against damage/theft; $25 deductible — pay your monthly wireless bill with the card (Visa Signature benefit) Inferred by source |
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Using U.S. Bank Shopper at an ATM is a cash advance, not a normal purchase — it costs a fee, starts charging interest the same day (no grace period), and earns no rewards.
| Cash advance fee | Either $10 or 5% of each cash advance, whichever is greater Inferred by source |
|---|---|
| Cash advance APR | Around 30.49% variable APR (no grace period) Estimated by source |
| Foreign ATM | Cash advance plus the 3% foreign transaction fee — and the ATM operator may add its own surcharge. |
ATM operator surcharges are set by the machine, not the card. To avoid all of this, use a debit card or cash for ATM withdrawals.
*Realized/net assume full use of non-spend-gated credits — an upper bound. Personalize it
The U.S. Bank Shopper Cash Rewards® Visa Signature® Card has a $95 annual fee.
Using its non-spend-gated credits fully, the U.S. Bank Shopper Cash Rewards® Visa Signature® Card returns about $0 in value against its $95 annual fee — a net of −$95 per year. It only makes sense if you value its perks beyond the listed credits.
The U.S. Bank Shopper Cash Rewards® Visa Signature® Card earns 6% at two chosen retailers (first $1,500/qtr), 3% on one chosen everyday category (first $1,500/qtr), 1.5% else.
No — the U.S. Bank Shopper Cash Rewards® Visa Signature® Card does not include airport lounge access.
Yes — the U.S. Bank Shopper Cash Rewards® Visa Signature® Card charges a 3% foreign transaction fee.
$250 bonus after $2,000 spend in first 120 days. Welcome offers change frequently — confirm the current one on the issuer's page before applying.