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Card reviewUS Bank
Updated Apr 14, 2026 · research
UB
US BankEditorially reviewed

U.S. Bank Shopper Cash Rewards® Visa Signature® Card

Earn up to 6% cash back at your favorite stores, plus a $250 bonus.

Mid TierPersonal
Visa
$95
Annual fee
3% back one everyday category you choose each quarter
Top rate
N/A
Foreign fee
N/A
Rating

Current Welcome Offer

250 cashback

$250 estimated value

Spend $2,000 in 120 days

Verifiedofficial
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Card Offers

public

250 cashback

Verified

$250 estimated value

Spend $2,000 in 120 days

official

Earning Rates

one everyday category you choose each quarter
3%cash back

category chosen each quarter

all eligible purchases
1.5%cash back

Pros & Cons

Pros

  • $250 bonus after $2,000 spend in 120 days
  • 3% cash back on chosen everyday category up to $1,500 quarterly
  • 1.5% cash back on all other eligible purchases
  • Flexible category selection each quarter

Cons

  • $95 annual fee from year one
  • 3% rate capped at $1,500 per quarter
  • Requires active category selection each quarter
  • Limited details on additional benefits

Key Takeaways

  • $250 cash back bonus requires $2,000 spend in 120 days
  • Choose one everyday category quarterly for 3% cash back up to $1,500
  • 1.5% cash back applies to all eligible purchases
  • Annual fee of $95 applies immediately

Fees

Fee TypeAmount
Annual Fee$95

Hidden Gems

Quarterly Category Flexibility

Select a different everyday category each quarter for 3% cash back up to $1,500, matching seasonal or changing spending patterns.

Extended Welcome Bonus Window

Qualify for the $250 bonus within 120 days of opening, providing more time than standard 90-day periods.

Frequently Asked Questions

What is the welcome bonus for this card?
Earn a $250 cash back bonus after spending $2,000 in eligible purchases within the first 120 days of account opening. This offer is publicly available from the issuer.
What are the rewards earning rates?
Earn 3% cash back on one everyday category chosen each quarter, up to $1,500 in purchases. Earn 1.5% cash back on all other eligible purchases.
What is the annual fee?
The annual fee is $95. It is not waived in the first year.
How does the 3% category selection work?
Cardholders choose one everyday category each quarter to earn 3% cash back. The rate applies up to $1,500 in purchases in that category per quarter.
What is the cap on the bonus category spending?
The 3% cash back rate on the chosen everyday category caps at $1,500 per quarter. Purchases beyond that earn the base 1.5% rate.
Is there a foreign transaction fee or intro APR?
The provided data does not specify foreign transaction fees or introductory APR details.

About This Card

This card suits users who spend consistently in one everyday category like groceries or gas and want to select it quarterly for higher rewards, while benefiting from a 1.5% base rate on other spending.

Earn a $250 bonus after you spend $2,000 in eligible purchases within the first 120 days of account opening. Plus earn 3% cash back on one everyday category you choose each quarter up to $1,500. 1.5% cash back on all eligible purchases. Low annual fee for the first year, $95/year thereafter.

It differentiates with user-selected 3% cash back categories each quarter, unlike competitors with preset bonus categories.

Ready to Decide?

Apply for the U.S. Bank Shopper Cash Rewards® Visa Signature® Card

250 cashback, worth about $250 estimated value, with a $95 annual fee.

Spend $2,000 in 120 days

Apply NowCompare Cards

Card Categories

Cashback

Sources & Methodology

Data Collection

We collect card details from official issuer pages, then verify them through editorial review.

Last updated:

Editorial Review

Pending editorial review.

Data Quality
  • 1 of 1 offer verified
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