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Sapphire Reserve for Business vs U.S. Bank Shopper Cash Rewards Visa Signature Card
Both are well-respected travel cards. The Sapphire Reserve for Business comes from Chase at $795/yr; the U.S. Bank Shopper Cash Rewards Visa Signature Card from U.S. Bank at $95/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
For most people the Sapphire Reserve for Business is the stronger pick today, the sign-up bonus is meaningfully larger ($2,345 more in estimated value) than the U.S. Bank Shopper Cash Rewards Visa Signature Card's. Get the Sapphire Reserve for Business first; revisit the U.S. Bank Shopper Cash Rewards Visa Signature Card after you've earned that bonus.
| Feature | Sapphire Reserve for Business | U.S. Bank Shopper Cash Rewards Visa Signature Card |
|---|---|---|
| Annual fee | $795 | $95 |
| Sign-up bonus | 150,000 points | $250 cash back bonus |
| Bonus value (est.) | $2,595 | $250 |
| Min spend to unlock bonus | $20,000 in 3 mo | $2,000 in 4 mo |
| Issuer | Chase | U.S. Bank |
| Card category | business | cashback |
| Best earning category (Chase_travel) | 8x | 1x |
| Transfer partners | chase-ur | None |
| Headline benefits |
Read the full review
Sapphire Reserve for Business
$795/yr · 150,000 points
Read the full review
U.S. Bank Shopper Cash Rewards Visa Signature Card
$95/yr · $250 cash back bonus
Editorial take: U.S. Bank Shopper Cash Rewards Visa Signature Card
Common questions
- Which card has the bigger sign-up bonus, Sapphire Reserve for Business or U.S. Bank Shopper Cash Rewards Visa Signature Card?
- The Sapphire Reserve for Business has the bigger bonus, 150,000 points, worth roughly $2,595, versus $250 cash back bonus (~$250) on the U.S. Bank Shopper Cash Rewards Visa Signature Card.
- Is the Sapphire Reserve for Business's $795 annual fee worth it compared to the U.S. Bank Shopper Cash Rewards Visa Signature Card?
- Premium cards like the Sapphire Reserve for Business ($795/yr) earn their fee through credits, travel, dining, lounge access, statement reimbursements. If you'd actively use $795+ of those credits, the math works. The U.S. Bank Shopper Cash Rewards Visa Signature Card at $95/yr trades some perks for a lower commitment.
- Can I have both the Sapphire Reserve for Business and U.S. Bank Shopper Cash Rewards Visa Signature Card?
- Yes, since they're from different issuers (Chase and U.S. Bank) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
- Should I get the Sapphire Reserve for Business or the U.S. Bank Shopper Cash Rewards Visa Signature Card first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Sapphire Reserve for Business: $20,000 spend in 3 months. U.S. Bank Shopper Cash Rewards Visa Signature Card: $2,000 in 4 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.
Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.