Shopper Cash Rewards Visa Signature Card
Basic Information
Program ID: shopper-cash-rewards-visa-signature-card
Issuer: U.S. Bank
Card Type: Credit
Network: Visa
Card Tier: Signature
Data Complete: Yes
Created: 01/07/2026 18:21
Last Scraped: 01/15/2026 07:59
Fee Structure
| Annual Fee: | $95.00 |
| Year 1 Waived: | Yes |
| Effective Annual Fee: | $95.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 30.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | Either $5 or 3% of the amount of each transfer, whichever is greater |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,124.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 15 months
Balance Transfer APR: 2,124.00%
Intro BT APR: 0.00%
Intro BT Duration: 15 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $250.00
Spending Requirement: $2,000.00
Time Period: 120 days
Bonus Timing: Cash back will be credited to your account within 2-3 billing cycles after you have met the spend requirement.
Rewards Program
Reward Type: Cash Back
Base Reward Rate: 1.00%
Bonus Reward Rate: 6.00%
Bonus Categories: 6% cash back on two chosen retailers (from a list including Amazon.com, Walmart, Target, Home Depot, Best Buy, etc.), 3% cash back on one chosen everyday category (from a list including Gas Stations, EV Charging Stations, Wholesale Clubs, Utilities, Fast Food, Department Stores, etc.), 1% cash back on all other eligible purchases.
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Cash back rewards do not expire as long as your account is open and in good standing.
Transfer Partners: None
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
Approval Criteria
Recommended FICO Range: 670 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: New cardmembers typically qualify for a welcome bonus after meeting a specified spending threshold within the first 3 months of account opening. Eligibility for this bonus is generally restricted to applicants who have not received a bonus for this specific product in the past 24-48 months. Applicants must generally have excellent credit (FICO score typically 740+). U.S. Bank is known for its strict application policies, including the '2/12 rule,' meaning applicants are unlikely to be approved if they have opened 2 or more new personal credit card accounts with *any* issuer in the past 12 months. Preference may be given to existing U.S. Bank customers with established banking relationships (checking/savings accounts). U.S. Bank is sensitive to recent hard inquiries and overall credit exposure. Applicants must be 18 years or older and a U.S. resident.
Maximum Cards Per Issuer: 5
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across all U.S. Bank products, rapid application for multiple cards, suspicious spending patterns (e.g., large gift card purchases, reselling), repeated opening and closing of accounts for bonus cycling, payment defaults, or abuse of return policies.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.9 / 5.0
Top Positive Feedback:
Excellent customizable cash back rates (6% and 3%) in chosen categories, offering great flexibility for high spenders, coupled with a solid sign-up bonus and no foreign transaction fees.
Top Negative Feedback:
The $95 annual fee after the first year and the $1,500 quarterly cap on bonus categories can limit value for some. U.S. Bank's stringent approval process and the need to actively manage category selections are also common points of friction.
Approval Experience Score: 65.0 / 100
Recommended Alternatives
- U.S. Bank Cash+ Visa Signature Card
- Chase Freedom Flex
- Citi Custom Cash Card
Card Value Score: 88.0 / 100
Est. Annual Rewards: $475.00
User Portfolio Metrics
Avg Portfolio Size: 4 cards
Avg Portfolio Age: 60 months
Store vs Co-brand: 100% General / 0% Store
Risk Assessment
Default Risk Group: Low
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0