For ZIP  

6% cash back3

on your first $1,500 in combined eligible purchases each quarter with two retailers you choose

3% cash back3

on your first $1,500 in eligible purchases on your choice of one everyday category (like wholesale clubs, gas and EV charging stations, bills and utilities)

1.5% cash back3

on all other eligible purchases

Additional benefits

Earn more cash back.

Earn even more cash back when making purchases at over 1,100 online stores through the Rewards Center Shopping Deals.

Icons / Decorative / Money Bag / Large Copy 3plane

Rewards on prepaid travel

Earn 5.5% cash back on prepaid hotel and car reservations booked directly in the Rewards Travel Center.3

Pay over time with a U.S. Bank ExtendPay® Plan.4

Receive a new cardmember $0 fee offer* on ExtendPay Plans opened in the first 60 days after account opening.4

gift

Flexible redemption

Get your cash back as a statement credit, a rewards card, merchant gift cards or directly deposited into your U.S. Bank checking or savings account. Enjoy flexible options designed to fit your needs.5

Apply now

Shop and earn more cash back.

Each quarter, you’ll earn 6% cash back on two retailers you choose, up to $1,500 in combined eligible purchases. You’ll also earn 3% cash back on one everyday category, up to $1,500 in eligible purchases.

6% cash back at two retailers you choose

  • Ace Hardware®
  • Apple®
  • Amazon.com®
  • Anthropologie®
  • Bed, Bath, & Beyond®
  • Best Buy®
  • Chewy.com®
  • Crate and Barrel™
  • Disney®
  • Home Depot®
  • Ikea®
  • Kohl's®
  • Lowe's®
  • Lululemon®
  • Macy's™
  • Menards®
  • Nordstrom™
  • Pottery Barn®
  • QVC®
  • Restoration Hardware™
  • Target®
  • Walmart®
  • Wayfair.com
  • Williams Sonoma®

Retailer list is subject to change.

See how Shopper Cash Rewards stacks up.

The Shopper Cash Rewards Card is your one card for everywhere – see how it stacks up.

Shopper Cash Rewards and retailer cards cash back comparison.

Retailers

with Shopper Cash Rewards

with retailer's card

Amazon.com™

6%

5%

Apple®

6%

3%

Best Buy®

6%

5%

Ikea®

6%

5%

Lowe’s®

6%

5%

Target®

6%

5%

Wayfair.com

6%

5%

Walmart®

6%

2% in stores

5% online

Costco®

3%

2%

Sam’s Club®

3%

1%

Retailers

Amazon.com™

with Shopper Cash Rewards

6%

with retailer's card

5%

Retailers

Apple®

with Shopper Cash Rewards

6%

with retailer's card

3%

Retailers

Best Buy®

with Shopper Cash Rewards

6%

with retailer's card

5%

Retailers

Ikea®

with Shopper Cash Rewards

6%

with retailer's card

5%

Retailers

Lowe’s®

with Shopper Cash Rewards

6%

with retailer's card

5%

Retailers

Target®

with Shopper Cash Rewards

6%

with retailer's card

5%

Retailers

Wayfair.com

with Shopper Cash Rewards

6%

with retailer's card

5%

Retailers

Walmart®

with Shopper Cash Rewards

6%

with retailer's card

2% in stores

5% online

Retailers

Costco®

with Shopper Cash Rewards

3%

with retailer's card

2%

Retailers

Sam’s Club®

with Shopper Cash Rewards

3%

with retailer's card

1%

NOTE: Competitive cash back percentages are as of January 25, 2024 and are subject to change.

Apply now

Cash back calculator

See how much cash back you could earn.

Enter your estimated monthly spend below and your cash back potential will be calculated automatically.

Apply now

Frequently asked questions

U.S. Bank credit score requirements vary by product. In general, our credit card products are for established credit with a credit score in the good to excellent range.

With the Shopper Cash Rewards® Card, you can earn up to 6% cash back from your choice of two out of 24 of the country’s top retailers. Earn up to 3% on your choice at either gas and EV charging stations, wholesale clubs, or bills and home utilities, and 1.5% cash back on other eligible purchases.

You can redeem your cash back rewards at any time online through the Rewards Center.5

Log in and select your Shopper Cash Rewards® Card. Then select Redeem. Or, call the Cardmember Services number on the back of your U.S. Bank credit card.

Yes. Your U.S. Bank Shopper Cash Rewards® Visa Signature® Credit Card is eligible to use at the Rewards Center Shopping Deals. Shopping Deals is the easiest way to earn additional cash back while shopping online at over 1,100 stores using your Shopper Cash Rewards® Card. Earn everyday cash back on your credit card and then earn additional cash back by shopping through the Rewards Center Shopping Deals.

  • Log in at usbank.com.
  • Under Credit Cards, choose Redeem for your Shopper Cash card.
  • Then select Shopping Deals in the Rewards Center and start shopping. 

By using the Rewards Center Shopping Deals with your U.S. Bank Shopper Cash Rewards® Visa Signature® Credit Card, you’ll be able to earn more cash rewards by shopping online. Earn cash rewards on your credit card purchases and then earn additional cash rewards by shopping through the Rewards Center Shopping Deals.

Yes. Your U.S. Bank Shopper Cash Rewards® Visa Signature® Credit Card is eligible for Real Time Rewards, a redemption method that instantly turns your purchases into rewards. You can use your mobile device to redeem cash rewards earned on your Shopper Cash Rewards® Card.

Once enrolled, redemption is quick and easy. Make a purchase on your U.S. Bank Shopper Cash Rewards® Visa Signature® Credit Card. You’ll receive a text with the option to redeem cash rewards toward that purchase. Reply "REDEEM" to complete the redemption. You must have enough cash rewards to cover the entire purchase in order to receive the text message to redeem.

Your cash rewards will be deducted from your cash rewards balance and redeemed in the form of a credit to your monthly billing statement. See program rules for additional details.

U.S. Bank ExtendPay® Plans provide a payment option that allows you to divide eligible credit card purchases into affordable monthly payments with no interest* – just a fixed monthly fee.

If your credit card account is eligible for a U.S. Bank ExtendPay® Plan, you’ll receive a notification via email, or you’ll see ExtendPay Plan options when viewing your card account details or eligible transactions online. The only purchases eligible for an ExtendPay Plan are those that were made within 60 days prior to signing up for ExtendPay, are over $100, and are less than your purchase balance when you sign up for ExtendPay.

ExtendPay Plan eligibility may change based on your credit card account activity.

Looking for a credit card with different benefits?

Compare all credit cards.

Use our comparison tool to compare benefits like rewards, APR and welcome offers for up to three cards.

Compare cards
Return to star ratings
Start of disclosure content
Disclosures

U.S. Bank may change APRs, fees and other account terms in the future based on your experience with U.S. Bank National Association and its affiliates as provided under the Cardmember Agreement and applicable law.

Net Purchases are Purchases minus credits and returns. Not all transactions are considered to be Purchases and eligible to earn rewards, such as transactions posting as Convenience Checks; Balance Transfers; 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; and transactions to (i) fund certain prepaid card products, (ii) buy currency from the U.S. Mint, or (iii) buy cash convertible items. Upon approval, see your Cardmember Agreement for details. Purchases qualify for rewards based on how merchants choose to classify their business and we reserve the right to determine which purchases qualify.

Account must be open and in good standing (not past due) on the closing date of the billing cycle to earn and redeem rewards and benefits. Upon approval, please refer to your Cardmember Agreement or Rewards Program Rules in the online Rewards Center by logging into usbank.com for additional information.

* The APR may vary, the current variable APR for Purchases and Balance Transfers is $ (based on your creditworthiness). The variable APR for Cash Advances is 29.99%. Cash Advance fee: 5% of each advance amount, $10 minimum. Convenience Check fee: 3% of each check amount, $5 minimum. Cash Equivalent fee: 5% of each cash amount, $10 minimum.  Balance Transfer fee: 3% of each transfer amount, $5 minimum. There is a $1 minimum interest charge where interest is due. There is a $0 introductory annual fee the first 12 months, after that, $95. Foreign Transaction fee: 3% of each foreign purchase transaction or foreign ATM advance transaction in U.S. Dollars. 3% of each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency. U.S. Bank ExtendPay® Fees: A monthly fee not to exceed 1.6% of the original principal amount in a U.S. Bank ExtendPay® Plan or U.S. Bank ExtendPay® Loan. This fixed fee is disclosed upon enrollment and charged each month that you owe the applicable ExtendPay balance. ExtendPay Fees are calculated based upon the original principal amount, Purchase APR, and other factors. When you make a payment, the amount up to your Minimum Payment is applied first to the monthly payment obligation for ExtendPay Plans and ExtendPay Loans if any, and then to non-Fixed Payment Program balances in the order of the lowest to highest APR.  Any amount over your Minimum Payment is applied to balances in the order of highest to lowest APR.

Start of disclosure content

  1. In order to be eligible for the one-time $250 bonus, you will need to spend a minimum of $2,000 in Net Purchases on your new U.S. Bank Shopper Cash Rewards Visa Signature Card within 120 days after Account opening. Please allow 6-8 weeks for your bonus cash rewards to be credited to your Account. The bonus is not available to Cardmembers who currently have, or had, a U.S. Bank Shopper Cash Rewards Visa Signature account. Use of the Card is subject to terms and conditions of the U.S. Bank Shopper Cash Rewards Visa Signature Cardmember Agreement, which is provided at Account opening and may be amended from time to time. This offer may not be combined with any other bonus offer.

  2. By clicking Apply, you authorize your wireless carrier to use or disclose information about your account and your wireless device, if available, to us or our service provider for the duration of your business relationship, solely to help us identify you or your wireless device and to prevent fraud. See our Privacy Policy for how we treat your data.

  3. You must enroll each quarter into two retailers and one purchase category of your choice, or all net purchases (purchases minus returns or credits) will earn no more than 1.5% Cash back. Allow up to 3 business days for registration to take effect before you will be eligible to earn 3% Cash Rewards and 6% Cash Rewards. You will earn 6% Cash back on your first $1,500 in combined net purchases at your two chosen 6% retailers. You will earn 3% Cash back on your first $1,500 in net purchases in your chosen 3% category. There are no limits on your 1.5% Cash Rewards earnings. During any calendar quarter in which you spend more than $1,500 combined at your two 6% retailers, you will earn 1.5% Cash Rewards for any additional spend at those retailers during that quarter. During any calendar quarter in which you spend more than $1,500 in your one 3% category, you will earn 1.5% Cash Rewards for any additional spend in that category during that quarter. Transactions qualify for 6% or 3% Cash Rewards based on how merchants classify the transaction. Merchants that accept Visa credit cards are assigned a merchant code, determined by the merchant or its processor. U.S. Bank makes every effort to include all relevant merchant category codes in its listed Retailer and Purchase Categories. As U.S. Bank cannot control how merchants choose to classify transactions, we cannot guarantee a transaction will qualify for 3% and 6% Cash Rewards. Merchant subsidiary purchases and third-party delivery services are not eligible for additional Cash Rewards earning and will earn 1.5% Cash Rewards. Purchases not eligible for additional Cash Rewards earning will earn 1.5% Cash Rewards. U.S. Bank reserves the right to change Retailers and Purchase Categories. In addition to earning 1.5% Cash Rewards for every $1 in eligible Net Purchases, Shopper Cash Rewards Cardmembers will earn an additional 4% Cash Rewards for every $1 in eligible Net Purchases spent on prepaid car and hotel reservations in the Rewards Center using your Shopper Cash Rewards card. Please allow 1-2 statement billing cycles for your bonus Cash Rewards to appear on your credit card statement. Refer to the Rewards Center for full details.

  4. From time to time we may offer to you the benefit of our U.S. Bank ExtendPay® Plans, which allow you to pay off balances in fixed monthly payments over time and still avoid paying interest charges on new Purchases. You may designate up to 50% of your credit card line ($100 minimum) in eligible credit card purchases and pay in monthly installments with just a small fixed monthly fee. Only Purchase balances are eligible for ExtendPay Plans. Transactions identified as Advances or Balance Transfers (as defined in your Cardmember Agreement), and any interest or fees, including Annual Fee, do not apply. The only Purchases that will appear as "Eligible Purchases" in the enrollment process are Purchases that were made within 60 days prior to signing up for an ExtendPay Plan, are over $100, and are less than your Purchase balance when you sign up for an ExtendPay Plan. Any unpaid balance remaining on an ExtendPay Plan after the chosen pay-back period will be subject to the APR and minimum payment calculation for purchases outlined in the Cardmember Agreement.

  5. Cash Rewards are redeemed in the form of a statement credit or a deposit made to your U.S. Bank Savings, Checking or Money Market Account based on your designation, as a U.S. Bank Rewards Card ($25 minimum redemption on Cash Rewards), or merchant gift card. Cash rewards do not expire as long as the account remains open.

Start of disclosure content

The Contactless Symbol and Contactless Indicator are trademarks owned by and used with the permission of EMVCo, LLC.

The creditor and issuer of this card is U.S. Bank National Association, pursuant to a license from Visa U.S.A. Inc., and the card is available to United States residents only.