Shopper Cash Rewards
U.S. Bank
Shopper Cash Rewards
Offer Strength
StandardShow breakdown
Estimated bonus value: ~$250
Base score: 24
Current $250 vs typical $250
Net value after annual fee: ~$155
Estimate based on our value hints; not financial advice.
Annual Fee
$95/yr
Shopper Cash Rewards
Welcome Offer
Earn a $250 bonus after spending $2,000 in the first 120 days.
Eligibility Rules
These issuer rules may affect your approval or bonus eligibility.
Rules reflect community-reported patterns, not official issuer policies.
Check your eligibilityEarning Rates
Two chosen retailers (first $1,500/quarter combined)
6% cash back
Travel Center hotel and car rentals
5.5% cash back
One chosen everyday category (gas, wholesale clubs, or utilities)
3% cash back
All other purchases
1.5% cash back
Key benefits
6% cash back at two retailers you choose each quarter (first $1,500 combined)
6% cash back at two retailers you choose each quarter (first $1,500 combined)
3% on one everyday category of your choice (first $1,500/quarter)
3% on one everyday category of your choice (first $1,500/quarter)
1.5% on all other purchases
1.5% on all other purchases
5.5% on hotel and car rentals via Travel Center
5.5% on hotel and car rentals via Travel Center
24 eligible retailers including Amazon, Walmart, Target, and Home Depot
24 eligible retailers including Amazon, Walmart, Target, and Home Depot
$0 annual fee first year, then $95
$0 annual fee first year, then $95
Perks
Choose from 24 major retailers for 6% back: Amazon, Walmart, Target, Home Depot, Lowe's, Best Buy, Nordstrom, and more
Choose from 24 major retailers for 6% back: Amazon, Walmart, Target, Home Depot, Lowe's, Best Buy, Nordstrom, and more
Real-Time Rewards — redeem cash back instantly at checkout
Real-Time Rewards — redeem cash back instantly at checkout
Visa Signature benefits: purchase protection and extended warranty
Visa Signature benefits: purchase protection and extended warranty
Good fit for
About this card
The U.S. Bank Shopper Cash Rewards is a cash back card with a $95 annual fee. New cardholders can earn 250 cash after spending $2,000 in 120 days.
Best for
everyday spenders
Key considerations
Low annual fee of $95 is easy to offset with benefits.
Card analysis
Offer analysis
The current offer on the Shopper Cash Rewards awards 250 cash after spending $2,000 within 120 days of account opening.
Annual fee value
This card carries a $95 annual fee. Evaluate whether the sign-up bonus and ongoing rewards justify the cost based on your spending patterns.
In the first year, the sign-up bonus alone delivers approximately $155 in net value after the annual fee.
Analysis is auto-generated from card data and known issuer rules. Not financial advice.
Similar Cards
Cash+
U.S. Bank · $0/yr
Earn 200 cash25/100
Triple Cash Rewards
U.S. Bank · $0/yr
Earn 750 cash68/100
Altitude Reserve
U.S. Bank · $400/yr
Altitude Connect
U.S. Bank · $0/yr
Earn 20,000 points29/100
Get notified about new offers
We’ll let you know when card offers change or new cards drop.
By subscribing, you agree to receive card offer alerts and occasional newsletters. Unsubscribe anytime.