U.S. Bank Shopper Cash Rewards Visa Card

U.S. Bank Shopper Cash Rewards Visa Card Review

This is a store cashback card issued by U.S. Bank. If you're wondering whether shopper cash rewards card is the right card for you, read on.

Key Takeaways

• Get a $250 bonus after you spend $2,000 in eligible purchases within the first 120 days of account opening.
• High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR that ranges from 19.49% up to 29.49%.
• Cash rewards. This credit card offers cash rewards on your purchases, but you will have to pay an annual fee of up to $95 for the privilege.
• Annual fee waived the first year. U.S. Bank Shopper Cash Rewards Visa Card gives you the chance to have the card for a year without paying the $0 annual fee.
• 3% Balance transfer fee. U.S. Bank Shopper Cash Rewards Visa Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $5.
• Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
• Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, emergency support, extended warranty protection on purchases, identity theft protection, price protection, purchase security, travel accident insurance, travel assistance, and fraud protection.
• Good or better credit required. You will have low approval odds if your credit score is below 670.

Pros & Cons of shopper cash rewards card

The Good	The Bad
Annual fee waived during the first year. Multiple credit card perks. Offers Auto Rental Collision Damage Waiver. Extended warranty and price protection on purchases. Identity Theft Protection. Travel accident and travel assistance insurance. Cardholders can earn rewards on their purchases. U.S. Bank Shopper Cash Rewards Visa Card reports to multiple credit bureaus.	Higher than average purchase APRs. You need good credit to qualify. Charges an annual fee as low as $0. up to $95 Charges a foreign transaction fee of 3%. Charges a 3% balance transfer fee

shopper cash rewards card FAQ

Does shopper cash rewards card have a cash back or rewards program?

This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.

shopper cash rewards card Rewards

Rewards rate (all purchases)	N/A
Max rewards rate	N/A
Annual rewards limit	N/A
Signup Bonus ($)	Starting at $250

What are the shopper cash rewards card benefits?

It provides the following benefits:

• Auto Rental Collision Damage Waiver
• Emergency Support
• Extended Warranty Protection
• Zero fraud liability
• Price Protection
• Travel Accident Insurance
• Travel Assistance
• Reports to major credit bureaus

What are the relevant APRs for shopper cash rewards card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has higher than average regular APRs.

U.S. Bank Shopper Cash Rewards Visa Card has a variable purchase APR that ranges from 19.49% up to 29.49%. The card has a variable balance transfer APR that ranges from 19.49% up to 29.49%. It also has a variable cash advance APR of 29.99% .

What are the fees for shopper cash rewards card?

The following fees apply:

U.S. Bank Shopper Cash Rewards Visa Card Fees

Description
Cash Advance Fee Minimum	$10
Cash Advance Fee (%)	5%
Minimum Cash Advance Fee ($)	Starting at $10
Foreign Currency Transaction Fee	3%
No Annual Fee?
No Annual Fee First Year?
Annual Fee	$0 - $95
Minimum Interest Charge	$1
No Interest Grace Period for Late Payment	24 days
Returned Payment Fee	Up to $41
Late Fee Amount	Up to $41

Does U.S. Bank Shopper Cash Rewards Visa Card report your account activity to credit bureaus?

Yes, U.S. Bank Shopper Cash Rewards Visa Card reports your account activity to the following credit reporting agencies:

• Equifax
• Experian
• Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for shopper cash rewards card

• Visit the shopper cash rewards card website.
• Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
• Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.