U.S. Bank Shopper Cash Rewards Visa Signature Card
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Affiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.
Earn a one-time $250 cash-back bonus after spending $2,000 in eligible Net Purchases (purchases minus returns or credits) on the U.S. Bank Shopper Cash Rewards Visa Signature Card within the first 120 days of account opening; the bonus is credited to the cash rewards balance within 1-2 statement billing cycles after the spend threshold is met; the bonus is not available to cardmembers who currently have, or previously had, a U.S. Bank Shopper Cash Rewards Visa Signature account, and cannot be combined with any other bonus offer; the spend window of 120 days (approximately 4 months) is more generous than the typical 90-day window most issuers use, giving cardmembers extra runway to organically reach the $2,000 threshold without manufactured spend
Earning Rates
Earning rates
6- 6%
6% cash back on the first $1,500 in combined Net Purchases each quarter at two retailers the cardmember chooses from a preset list of approximately 24 of the country's top retailers; spend above the $1,500 combined quarterly cap drops to the 1.5% base rate for the remainder of the quarter at those retailers
- 3%gas
3% cash back on the first $1,500 in eligible Net Purchases each quarter in one everyday category the cardmember chooses from a preset list including wholesale clubs, gas stations and EV charging stations, and bills and home utilities; spend above the $1,500 quarterly cap drops to the 1.5% base rate for the remainder of the quarter in that category
- 5.5%lodging
5.5% cash back on hotel and rental car reservations booked directly through the U.S. Bank Rewards Travel Center using the Shopper Cash Rewards Card (structured as the 1.5% base rate plus an additional 4% travel-center bonus, totaling 5.5%); no annual or quarterly cap on this 5.5% earnings tier, but bookings must be prepaid through the U.S. Bank portal to qualify
- 1.5%everything else
1.5% cash back on all other eligible Net Purchases with no spending cap and no enrollment required; the 1.5% base rate also applies to (a) spend in the chosen 6% retailers beyond the $1,500 combined quarterly cap, (b) spend in the chosen 3% everyday category beyond the $1,500 quarterly cap, and (c) all spend if the cardmember fails to enroll in retailers/categories for a given quarter
- 1.5%groceries
MCC-based category-shift exclusion: gas station and EV charging station purchases made at discount stores/supercenters (Target, Walmart, etc.), wholesale clubs (Costco, Sam's Club, BJ's), and grocery stores/supermarkets earn only 1.5% cash back even when 'gas and EV charging' is the chosen 3% category, because Visa's merchant category code (MCC) for those merchants codes them as their primary merchant type, not as gas stations
- 1%
Cash back is earned as U.S. Bank Cash Rewards at a 1:1 ratio (1% cash back = $0.01 per $1 spent); rewards do not expire as long as the account remains open and in good standing; earnings appear directly as a cash rewards balance with no points intermediary or tiered conversion
Statement credits
1- Redemption options
Redemption options: statement credit applied to the Shopper Cash Rewards Card, U.S. Bank Rewards Card (a Visa prepaid card loaded with rewards), merchant gift cards, or direct deposit to a U.S. Bank checking or savings account; flexible redemption with no minimum redemption threshold for most options
Perks & memberships
3- MembershipMerchant subsidiary and third-party delivery exclusion: purchases at subsidiary brands of retailers and purchases made through third-party delivery services (Instacart, DoorDash, Uber Eats, etc.) are not eligible for the 6% or 3% bonus earning and will earn 1.5% Cash Rewards; the issuer determines which merchants qualify based on Visa-assigned MCCs
- RedemptionReal-Time Rewards redemption via SMS: opt-in service that lets cardmembers redeem cash rewards instantly via text message at the point of purchase; after making an eligible purchase, U.S. Bank texts a redemption offer (reply 'REDEEM' to apply the credit) provided enough cash rewards are available to cover the entire transaction amount; managed through the U.S. Bank Mobile App
- No foreign feesForeign transaction fee: 3% of each purchase transaction made outside the United States or in a foreign currency (the Shopper Cash Rewards is positioned as a domestic-shopping card, not an international travel card; the U.S. Bank Altitude Connect and Altitude Reserve both charge $0 foreign transaction fees and are better U.S. Bank choices for spending abroad)
Travel & purchase protections
3- Visa Signature network benefits: Visa Signature Concierge for 24/7 personal assistance with travel, dining, and entertainment bookings; Visa Signature Luxury Hotel Collection benefits at participating properties (complimentary in-room Wi-Fi, food/beverage credit, room upgrade at check-in when available, late checkout); Visa Signature Offers; secondary auto rental collision damage waiver on the Visa Signature tier; travel and emergency assistance services
- $0 fraud liability: cardmembers are not held responsible for unauthorized charges; 24/7 fraud monitoring by U.S. Bank with text, email, and phone alerts for suspicious activity; instant card lock/unlock via the U.S. Bank Mobile App
- Excluded transactions that do not earn rewards: Convenience Checks, Balance Transfers, Cash Advances (including ATM withdrawals, wire transfers, traveler's checks, money orders, foreign cash transactions, betting transactions, and lottery tickets), interest charges and fees, credit insurance premiums, transactions funding certain prepaid card products, currency purchases from the U.S. Mint, and purchases of cash-convertible items
More benefits & fine print (5)ShowHide
- Preset 6% retailer choices currently include (per the U.S. Bank product page): Amazon.com, Apple, Best Buy, Home Depot, Kohl's, Lowe's, Macy's, Target, Walmart, and Wayfair.com, plus roughly a dozen additional national big-box, department-store, and home-improvement brands rounding out the ~24-retailer roster (the issuer reserves the right to change retailers on the list, and the cardmember must affirmatively re-select two retailers each quarter)
- Quarterly enrollment required: cardmembers must affirmatively enroll in two 6% retailers and one 3% everyday category each quarter through usbank.com or the U.S. Bank Mobile App; selections do not roll over automatically and must be re-confirmed or changed before each new quarter starts; allow up to 3 business days for registration to take effect before earning the 3% and 6% rates
- Cash-back deals: personalized merchant-funded offers based on previous spending, accessed through the U.S. Bank Mobile App or online banking; deals stack on top of base earning rates and provide additional cash back at participating merchants (variable terms, merchant-funded)
- ExtendPay Plan: convert eligible purchases of $100 or more into fixed monthly installment payments with a fixed monthly fee and no separate interest charge; new cardmembers receive a $0 ExtendPay fee on plans opened in the first 60 days after account opening (a meaningful intro perk that effectively makes early ExtendPay enrollment free of finance charges)
- ExtendPay eligibility rules: only Purchase balances are eligible (not Advances or Balance Transfers, and not interest, fees, or the annual fee); eligible Purchases must have been made within 60 days prior to enrollment, must be over $100, and must be less than the current Purchase balance; up to 50% of the credit line (with a $100 minimum) can be designated for ExtendPay at any time
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How to Earn the Bonus
Spend $2,000 in the first 4 months to earn the $250 cash back bonus bonus.
See the Current Offer
Earn $250 cash back bonus
View OfferAffiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.
