Editorial take: United Club Infinite Card
Worth it only for frequent United flyers who use the clubs regularly. At $695, you need to visit the club 15+ times a year to break even on lounge access alone.
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Side-by-side
United Club Infinite Card vs U.S. Bank Shopper Cash Rewards Visa Signature Card
Both are well-respected travel cards. The United Club Infinite Card comes from Chase at $695/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 United Club Infinite Card is the stronger pick today, the sign-up bonus is meaningfully larger ($870 more in estimated value) than the U.S. Bank Shopper Cash Rewards Visa Signature Card's. Get the United Club Infinite Card first; revisit the U.S. Bank Shopper Cash Rewards Visa Signature Card after you've earned that bonus.
| Feature | United Club Infinite Card | U.S. Bank Shopper Cash Rewards Visa Signature Card |
|---|---|---|
| Annual fee | $695 | $95 |
| Sign-up bonus | 80,000 miles (up to 90,000 with authorized user) | $250 cash back bonus |
| Bonus value (est.) | $1,120 | $250 |
| Min spend to unlock bonus | $5,000 in 3 mo | $2,000 in 4 mo |
| Issuer | Chase | U.S. Bank |
| Card category | travel | cashback |
| Best earning category (United) | 4x | 1x |
| Transfer partners | None | None |
| Headline benefits |
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Read the full review
United Club Infinite Card
$695/yr · 80,000 miles (up to 90,000 with authorized user)
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, United Club Infinite Card or U.S. Bank Shopper Cash Rewards Visa Signature Card?
- The United Club Infinite Card has the bigger bonus, 80,000 miles (up to 90,000 with authorized user), worth roughly $1,120, versus $250 cash back bonus (~$250) on the U.S. Bank Shopper Cash Rewards Visa Signature Card.
- Is the United Club Infinite Card's $695 annual fee worth it compared to the U.S. Bank Shopper Cash Rewards Visa Signature Card?
- Premium cards like the United Club Infinite Card ($695/yr) earn their fee through credits, travel, dining, lounge access, statement reimbursements. If you'd actively use $695+ 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 United Club Infinite Card 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 United Club Infinite Card 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. United Club Infinite Card: $5,000 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.