Program ID: shopper-cash-rewards-visa-signature-card

Issuer: U.S. Bank

Card Name: Shopper Cash Rewards Visa Signature Card

Card Type: Credit

Network: Visa

Card Tier: Signature

Approved: Pending

Data Complete: Complete

Created: Jan 07, 2026 18:21

Last Scraped: Jan 15, 2026 07:59

Apply URL: Visit

Home URL: Visit

Reward Type: Cash Back

Base Rate: 1x

Bonus Rate: 6x

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.

Quarterly Rotating: No

Cap Amount: $1,500.00

Expiration Policy: Cash back rewards do not expire as long as your account is open and in good standing.

Point Value: 0.01¢

Travel Portal Multiplier: 1x

Transfer Partners: None

Redemption Penalties: None (minimum redemption amount of $25 may apply)

Extended Warranty

Purchase Protection

Cell Phone Protection

Travel Insurance

Primary Rental Protection

Airport Lounge Access

Trip Delay Coverage

Lost Luggage Coverage

Price Protection

Concierge Service

No Foreign Fees

ShopRunner

Standard APR

Purchase APR: 21.24% - 29.24%

Balance Transfer APR: 21.24%

Cash Advance APR: 29.99%

Intro APR Offers

Intro Purchase APR: 0% for 15 months

Intro BT APR: 0% for 15 months

Promo Duration: 0 months

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.

Max Cards Per Issuer: 5

Min Spend Interval: 3 months

Cliff Effect Rules: Bonus eligibility is typically once per specific product. While there isn't a strong 'cliff effect' across different U.S. Bank card families like some other issuers, receiving a bonus for the Shopper Cash Rewards Visa Signature Card will generally preclude you from receiving it again for the same product within a specified timeframe (e.g., 24-48 months).

Special Events: N/A

Holiday Promos: N/A

International Friendly: No

User Ratings

Average Rating: 3.9 / 5.0

Top Positive:
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:
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: 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

Approval Probability: 75.0%

Version ID: v1.0