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U.S. Bank Shopper Cash Rewards Credit Card Review
In today's dynamic shopping landscape, finding the right credit card that aligns with your spending habits is crucial. The U.S. Bank Shopper Cash Rewards Credit Card has emerged as a compelling option for consumers seeking customizable rewards and premium benefits. This comprehensive review will help you determine if this card deserves a spot in your wallet.
What Is the U.S. Bank Shopper Cash Rewards Credit Card?
The U.S. Bank Shopper Cash Rewards Credit Card is a premium rewards card that offers customizable cash back categories and impressive earning potential. Its standout feature is the ability to earn up to 6% cash back at select retailers, making it particularly attractive for those who frequently shop at major stores and online platforms.
U.S. Bank Shopper Cash Rewards Pros & Cons
Pros:
- Earn 6% cash back at two eligible retailers of your choice
- Impressive welcome bonus worth $250 after meeting the spending requirement
- Flexible redemption options through the U.S. Bank rewards travel center
- No minimum redemption requirement for statement credits
- Comprehensive Visa Signature benefits including cell phone insurance
- Extended warranty protection and rental car insurance coverage
Cons:
- $95 annual fee (waived first year)
- Foreign transaction fees apply
- Spending caps on bonus categories
- Requires excellent credit for approval
- Must choose bonus categories quarterly
Who Is the U.S. Bank Shopper Cash Rewards Card For?
This card is ideally suited for regular shoppers who:
- Frequently make purchases at major retailers like Amazon.com and wholesale clubs
- Want the flexibility to customize their rewards categories
- Can maximize the 6% cash back categories
- Value additional perks like extended warranty protection and cell phone insurance
- Don't mind actively managing their reward categories
The card particularly shines for those who can take advantage of the quarterly category selection and maintain spending levels that justify the annual fee.
Comparing the U.S. Bank Shopper Cash Rewards Card with Other Credit Cards
When considering the U.S. Bank Shopper Cash Rewards Card, it's helpful to compare it with other popular options in the cashback credit card category:
- Annual fee: $0
- Sign-up bonus: Cash bonus after meeting spending requirements
- Key rewards: 5% on travel purchased through Chase Travel℠, 3% on dining and drugstores, 1.5% on all other purchases
- Standout feature: Flexible redemption options including cash back, travel, and gift cards
Capital One Savor Cash Rewards Credit Card (rates & fees):
- Annual fee: $0
- Sign-up bonus: Cash bonus after meeting spending requirements
- Key rewards: 3% on dining, entertainment, popular streaming services, and grocery stores
- Standout feature: No foreign transaction fees
Blue Cash Everyday® Card from American Express (rates & fees):
- Annual fee: $0
- Welcome offer: Cash bonus after meeting spending requirements
- Key rewards: 3% at U.S. supermarkets (up to $6,000 per year, then 1%), 2% at U.S. gas stations and select U.S. department stores. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout
- Standout feature: This card offers a generous intro of APR on purchases and balance transfers
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.
Each card offers unique benefits tailored to different spending habits and preferences. Consider your personal financial goals when choosing the best card for you.
Key Takeaways:
- U.S. Bank Shopper Cash Rewards Card excels in offering customizable cash back categories and impressive earning potential
- Chase Freedom Unlimited® offers diverse category bonuses
- Capital One SavorOne rewards dining and entertainment spending
- Blue Cash Everyday® provides strong rewards on everyday purchases
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Consider Using Kudos
To maximize your rewards with the U.S. Bank Shopper Cash Rewards Card, consider downloading Kudos, a free AI-powered browser extension. Kudos can help you automatically identify when to use this card for optimal rewards and even alert you to exclusive "Flash Boost" events where you can multiply your earnings up to 5X.
Currently, new users can get $20 back after their first eligible purchase by signing up with code "GET20" at a Boost merchant.
Our Expert Takeaway
The U.S. Bank Shopper Cash Rewards Credit Card stands out for its impressive 6% cash back rate at selected retailers and flexible redemption options through the rewards travel center. While the $95 annual fee requires consideration, the card's earning potential and comprehensive benefits package make it a strong contender for frequent shoppers who can maximize its customizable rewards structure.
U.S. Bank Shopper Cash Rewards FAQ
How do I redeem rewards with the U.S. Bank Shopper Cash Rewards card?
Rewards can be redeemed for statement credits, bank deposits, gift cards, or travel through the U.S. Bank rewards travel center. There's no minimum redemption requirement for statement credits.
Can I change my 6% cash back categories?
Yes, you can select two retailers every quarter where you'll earn 6% cash back on eligible purchases.
Is there a spending cap on the 6% cash back categories?
Yes, the 6% cash back is limited to $1,500 in combined purchases per quarter across your chosen retailers.
What credit score do I need for approval?
Generally, you'll need an excellent credit score (typically 740 or higher) to qualify for this card.
Does the card offer purchase protection?
Yes, the card includes extended warranty protection, cell phone insurance, and rental car insurance as part of its Visa Signature benefits package.
Supercharge Your Credit Cards
Experience smarter spending with Kudos and unlock more from your credit cards. Earn $20.00 when you sign up for Kudos with "GET20" and make an eligible Kudos Boost purchase.
Editorial Disclosure: Opinions expressed here are those of Kudos alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
