Credit card

U.S. Bank Shopper Cash Rewards® Visa Signature® Card

Cash back

VISA

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Credit card U.S. Bank Visa

Card review

U.S. Bank Shopper Cash Rewards® Visa Signature® Card

4.2 8.4/10 DebitCue Score Verified Jun 20, 2026

Best-in-class 6% cash back at your favorite retailers

Fee: $95 USD/yr; Annual fee waived the first year
Purchase APR: 18.74% - 28.74%
Interest-free: -
Foreign fee: 3%

Rewards

6% cash back on first $1,500 in combined eligible purchases per quarter at two chosen retailers; 5.5% on prepaid hotel and car reservations via Rewards Travel Center; 3% on first $1,500 per quarter in one chosen everyday category; 1.5% on all other purchases.

Welcome offer

$250 bonus after spending $2,000 in eligible purchases within the first 120 days

Our verdict

What stands out, and where it falls short.

What we like

6% cash back on first $1,500 in combined eligible…
Welcome bonus
Pay in installments

Worth weighing

$95 USD/yr card fee
3% foreign transaction fee

Who It Is For

Whether the U.S. Bank Shopper Cash Rewards® Visa Signature® Card fits how you actually spend.

Pick it if you are

People who want rewards on their spending
People who pay big purchases off over time

Skip it if you are

Light spenders who won't beat the $95 USD/yr fee
Frequent international travelers

Rates and fees

As of June 20, 2026

All amounts shown in USD.

Card fee: $95 USD/yr
Purchase APR: 18.74% - 28.74%
Interest-free period: -
Foreign transaction fee: 3%
Regular APR: 18.74%–28.74% variable
Foreign Transaction Fee: 3%
Annual Fee: $95 (waived first year)

Rewards and features

Rewards: 6% cash back on first $1,500 in combined eligible purchases per quarter at two chosen retailers; 5.5% on prepaid hotel and car reservations via Rewards Travel Center; 3% on first $1,500 per quarter in one chosen everyday category; 1.5% on all other purchases.
Welcome offer: $250 bonus after spending $2,000 in eligible purchases within the first 120 days
Installments: U.S. Bank ExtendPay® Plans available with $0 fee offer for new cardmembers in first 60 days
Pay with: Apple Pay, Google Pay, Contactless, Virtual card
6% and 3% category caps: 6% applies to first $1,500/quarter at two chosen retailers; 3% applies to first $1,500/quarter in one everyday category
Retailer selection: Choose from a broad list of major retailers; selection can be changed each quarter

Benefits and perks

Extras that come bundled with the card.

Visa Signature Concierge

24/7 access to concierge for travel arrangements, event tickets, and dining reservations
Visa Signature purchase protections

Purchase security and extended warranty through Visa Signature benefits

U.S. Bank Shopper Cash Rewards® Visa Signature® Card: your questions answered

How much does the U.S. Bank Shopper Cash Rewards® Visa Signature® Card cost?

The U.S. Bank Shopper Cash Rewards® Visa Signature® Card costs $95 USD/yr. Annual fee waived the first year.

What rewards does the U.S. Bank Shopper Cash Rewards® Visa Signature® Card earn?

The U.S. Bank Shopper Cash Rewards® Visa Signature® Card earns 6% cash back on first $1,500 in combined eligible purchases per quarter at two chosen retailers; 5.5% on prepaid hotel and car reservations via Rewards Travel Center; 3% on first $1,500 per quarter in one chosen everyday category; 1.5% on all other purchases..

Does the U.S. Bank Shopper Cash Rewards® Visa Signature® Card charge foreign transaction fees?

Yes - the U.S. Bank Shopper Cash Rewards® Visa Signature® Card charges a 3% foreign transaction fee.

What is the interest rate on the U.S. Bank Shopper Cash Rewards® Visa Signature® Card?

The U.S. Bank Shopper Cash Rewards® Visa Signature® Card has a purchase APR of 18.74% - 28.74%.

Does the U.S. Bank Shopper Cash Rewards® Visa Signature® Card have a welcome offer?

Yes - $250 bonus after spending $2,000 in eligible purchases within the first 120 days.

Can I pay in installments with the U.S. Bank Shopper Cash Rewards® Visa Signature® Card?

Yes - U.S. Bank ExtendPay® Plans available with $0 fee offer for new cardmembers in first 60 days.

Is the U.S. Bank Shopper Cash Rewards® Visa Signature® Card a credit, debit or prepaid card?

The U.S. Bank Shopper Cash Rewards® Visa Signature® Card is a credit card issued by U.S. Bank on the Visa network.

Does the U.S. Bank Shopper Cash Rewards® Visa Signature® Card support Apple Pay and Google Pay?

Yes - the U.S. Bank Shopper Cash Rewards® Visa Signature® Card works with both Apple Pay and Google Pay.

Where can I get the U.S. Bank Shopper Cash Rewards® Visa Signature® Card?

The U.S. Bank Shopper Cash Rewards® Visa Signature® Card is currently offered in United States.

How does DebitCue rate the U.S. Bank Shopper Cash Rewards® Visa Signature® Card?

DebitCue rates the U.S. Bank Shopper Cash Rewards® Visa Signature® Card 4.2 out of 5 (8.4/10), scored on the same factors as every card - fees, rewards, perks and ease of use.