Shopper Cash Rewards® Visa Signature® from US bank Review
Shopper Cash Rewards® Visa Signature® from US bank — all information about the credit card.
Updated March 31, 2025
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Recommended credit score
Good to Excellent (670-799)
- Rewards Rate:
- 6% Up to 6% Cash Back on your first $1,500 in combined eligible purchases each quarter with two retailers you choose.
- 1.5% Cash Back on all other purchases.
- Intro Offer:
- $250 Bonus after you spend $2,000 in eligible purchases within the first 120 days of account opening.
- Annual Fee:$0 introductory annual fee for the first 12 months
$95 thereafter - Purchase Intro APR:None
- Regular APR:18.74% - 28.74% Variable
- Balance Transfer APR:18.74% - 28.74% Variable
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U.S. Bank Shopper Cash Rewards® Visa Signature® Card Rewards Calculator
Your Results
Yearly earnings
$90
Annual fee
$0
U.S. Bank Shopper Cash Rewards® Visa Signature® Card credit card is worth its annual fee for the first year, but not profitable afterward.
How to maximize your U.S. Bank Shopper Cash Rewards® Visa Signature® Card rewards?
You can boost your total rewards by getting US bank welcome bonus. To do that spend more on all purchases. To maximize all other rewards follow the tips below:
- Spend more on Selected merchants
- Pay off your balance in full each month.
- Make a large purchases plan.
Using these tips will help you not only to cover your annual fee but also to get a net profit from making purchases with U.S. Bank Shopper Cash Rewards® Visa Signature® Card.
Your net profit in the first year
$90
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You will receive $90 in the first year
Where you get the most profit
- Selected merchants
- All other purchases
Selected merchants
$72
All other purchases
$18
Total
$90
Annual fee
$0
Net yearly credit card profit
$90
All benefits
- Cash back
- 6% On your first $1,500 in combined eligible purchases each quarter with two retailers you choose.
- 1.5% On all other purchases.
Rate and fee information
- Purchase Intro APR
- None
- Purchase APR
- 18.74% - 28.74% Variable
- Intro Balance Transfer APR
- None
- Balance Transfers APR
- 18.74% - 28.74% Variable
- APR for Cash Advances
- 31.24% Variable
- How to Avoid Paying Interest
- Your due date is 24 – 30 days after the close of each billing cycle. You will not be charged interest on new Purchases if you pay your entire balance, or Plan Adjusted Balance if you have any Fixed Payment Program balance(s), in full by the due date each month.
Fees
- Annual Fee
- $0 introductory annual fee for the first 12 months
$95 thereafter
- $0 introductory annual fee for the first 12 months
- Fees for Balance Transfer
- Either 3% of the amount of each transfer or $5 minimum, whichever is greater
- Fees for Cash Advances
- Either 5% of the amount of each advance or $10 minimum, whichever is greater
- Return Payment
- Up to $41
- Late Payment
- Up to $41
Pros & Cons
Pros:
- Welcome offer
- No Annual Fee for the first 12 months
Cons:
- Annual Fee (from the second year)
- Foreign Transaction Fee
- No Intro APR period
Features
- Low interest
- Cashback
- Payment Flexibility
- Fraud Protection
- Rewards
- Purchase Protection
- Good Credit
- Excellent Credit
About the issuer
US bank has several card types depending on your needs.
Manage your Account & Pay your Bill
You can usually pay your bill online on your
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- NonePurchase Intro APR
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- NonePurchase Intro APR
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See Another Credit Cards in the Bank
US bank Shopper Cash Rewards® Visa Signature® is an option for those, who need Classic features. With an APR of 18.74% - 28.74% and $0 annual fee this credit card can easily cover your simple everyday demands. For high approval odds you need to have Good to Excellent (670-799) credit score. With US bank Shopper Cash Rewards® Visa Signature® you will get such features as Low interest, Cashback, Payment Flexibility, etc. To make sure about either this credit card is good for you or not compare it with other cards with similar features.
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