US Bank Shopper Cash Rewards Credit Card Review
Key Takeaways
NOTE: This card has been closed to new applicants as of June 23, 2026. Existing cardholders will have the card maintained.
The 6% multiplier is appealing as one of the highest points boosts available. Unfortunately it’s capped at $1,500 per quarter, limiting its impact. Your only travel redemption option is to receive cash back as a statement credit and use it for travel expenses. Although the annual fee is waived for the first year, this card doesn't offer enough benefits to warrant using one of your 5/24 slots.
Why This Card Could Be Right For You
The U.S. Bank Shopper Cash Rewards Credit Card offers several decent benefits:
- Industry-leading 6% cash back on the first $1,500 in combined eligible purchases each quarter with two retailers of your choice. Unfortunately the $1,500 limit makes this less compelling
- Flexible retailer selection allows you to customize rewards to match your spending habits
Beyond the headline 6% rate, this card provides a well-rounded rewards structure:
- 3% back on the first $1,500 in eligible purchases in your choice of everyday categories including:
- Wholesale clubs (Sam's Club, Costco)
- Gas stations
- EV charging stations
- Bills and utilities
When traveling, you'll receive 5.5% back on hotels and car rentals booked through the U.S. Bank Travel Portal. For all other purchases, the card offers a solid 1.5% cash back rate.
The $95 annual fee is waived for the first year, making this an attractive option to try without immediate cost. This fee structure provides an opportunity to evaluate the card's benefits before deciding whether to keep, cancel, or downgrade it before the second-year fee applies.
One significant limitation to note is the lack of travel transfer partners. Unlike premium travel cards, you cannot transfer points to airline or hotel loyalty programs or redeem them directly through U.S. Bank's Travel portal unless you have an Altitude card. Your only option for travel redemption is to receive cash back as a statement credit and use those funds for travel expenses.
When The Usual Advice Doesn't Apply
This card might not be suitable if:
- You're primarily seeking true travel rewards. U.S. Bank doesn't have transfer partners for their points, limiting your ability to extract maximum value from your rewards.
What to Know About U.S. Bank Rewards
U.S. Bank Rewards offers straightforward redemptions, but if you have an Altitude Reserve, you can unlock additional value through transfer partners.
- Most U.S. Bank rewards are worth 1 cent each when redeemed for eligible travel or cash back, although redemption options and values vary by card.
- The U.S. Bank Altitude Reserve offers transfers to a small group of airline and hotel partners, giving cardholders another way to use their points. Unfortunately the card remains closed to new applicants.
- U.S. Bank Rewards is best for travelers who value simple redemptions.
- Transfer partners add more upside for Altitude Reserve cardholders, but the program remains more limited than the major transferable points programs.
How The US Bank Shopper Cash Rewards Credit Card Fits In The U.S. Bank Rewards Ecosystem
The U.S. Bank Shopper Cash Rewards card occupies a specific niche within U.S. Bank's card offerings. Here are three other personal U.S. Bank rewards cards to compare to:
- U.S. Bank Cash Plus: Offers a $200 sign-up bonus after spending $1,000 in the first 90 days
- Features 5% back on your first $2,000 in quarterly purchases across two categories of your choice
- Provides 5% back on travel booked through their portal
- Allows 2% back on one everyday category each quarter that you select
- Like the Shopper Cash Rewards card, cannot be used for travel portal redemptions
- U.S. Bank Altitude Connect: The best no-fee option in their lineup and one of only two U.S. Bank cards allowing travel portal redemptions
- Comes with a 20,000-point welcome bonus
- Offers valuable travel perks including Priority Pass Membership with 4 free lounge visits annually, including access to Priority Pass restaurants
- Provides statement credits for TSA Precheck or Global Entry
- Better suited for frequent travelers compared to the Shopper Cash Rewards card
- U.S. Bank Altitude Go: Similar to the Connect card with a 20,000-point sign-up bonus after $1,000 in purchases
- Features stronger everyday spending categories with 4x points on dining, takeout, and restaurant delivery (on first $2,000 quarterly)
- Earns 2x points on streaming services, grocery stores, gas stations, and EV charging stations
- Includes a $15 streaming service credit after 11 months of streaming service payments
- Lacks the premium travel benefits of the Connect card
Card Information
Differentiating Perks
Rules
Historical Card Offers
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Estimated Next Offer
US Bank Shopper Cash Rewards Application Rules
You will not qualify for this one-time bonus if you have had this card before
Card approval not subject to 5-personal-cards-in-24-months rule
You'll be declined if there are 6 or more hard inquiries on your credit report the past 6 months
