Last Updated: 07/28/2025
U.S. Bank Shopper Cash Rewards Visa Card
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in Credit Cards from U.S. Bank
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
19.49% - 29.49%(Verified 06/21/2024)
Balance Transfer APR (Variable APR)
19.49% - 29.49%(Verified 06/21/2024)
Credit Score Range
670 - 850
Annual Fee
$0 - $95
U.S. Bank Shopper Cash Rewards Visa Card Review
This is a store cashback credit card issued by U.S. Bank. If you're wondering whether U.S. Bank Shopper Cash Rewards Visa 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.
- APR: This is not a great card for people who carry a balance. It has a variable regular 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.
- $0 intro annual fee for 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.
- A 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 up to 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.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of shopper cash rewards card
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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.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Retail | Up to 6 % cash back | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Gas | Up to 3 % cash back | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Hotels | Up to 5.5 % cash back | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Utilities | Up to 3 % cash back | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Every Purchase | Up to 1.5 % cash back | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does shopper cash rewards card have a signup bonus?
Yes. Get a $250 bonus after you spend $2,000 in eligible purchases within the first 120 days of account opening.
Does shopper cash rewards card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the shopper cash rewards card benefits?
U.S. Bank Shopper Cash Rewards Visa Card 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 for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower 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% .
Does shopper cash rewards card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does shopper cash rewards card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for shopper cash rewards card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $41 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 - $95 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee First Year? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $41 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card charges an annual fee ranging from $0 up to $95.
Does shopper cash rewards card have a foreign transaction fee?
shopper cash rewards card charges a foreign transaction fee of up to 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.What is the customer service phone number for shopper cash rewards card?
The customer service number for shopper cash rewards card is (800) 872-2657.
What is the support contact email for shopper cash rewards card?
The support contact email for shopper cash rewards card is customer.support@usbank.com.
What is the login page for shopper cash rewards card?
You can access the login page of shopper cash rewards card here.
How do people rate the customer service and user experience of shopper cash rewards card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
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 to the following credit bureaus:
- 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 build your credit.
Does U.S. Bank perform a hard credit pull?
Yes, shopper cash rewards card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for shopper cash rewards card
- Visit the website of shopper cash rewards card.
- 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.
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