6% cash back2

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

3% cash back2

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 back2

on all other eligible purchases

Earn more cash back.

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

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Rewards on prepaid travel

Earn 5.5% cash back on prepaid hotel and car reservations booked directly in the Rewards Travel Center.2

Pay over time.

Divide large purchases into fixed monthly payments with U.S. Bank ExtendPay Plan.** Pay no interest* and keep your rewards, all for a small monthly fee.

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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.3

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 & 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%

*** Competitive cash back percentages are as of June 29, 2022 and are subject to change.

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.

Frequently asked questions

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

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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.

Account must be open and in good standing to earn and redeem rewards and benefits. Upon approval, please refer to your Rewards Program Rules for additional information.

* The APR may vary, the variable APR for Purchases and Balance Transfers is 18.24% to 28.24% (based on your creditworthiness). The variable APR for Cash Advances is 29.74%. 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.  The annual fee is $0 introductory annual fee for 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.  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.

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.

** 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.

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. Cash Rewards are earned on eligible Net Purchases. Net Purchases are purchases minus credits and returns. Not all transactions are eligible to earn Cash Rewards, such as Advances, Balance Transfers, and Convenience Checks; upon approval, see your Cardmember Agreement for details. 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. 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. Cash Rewards Retailers and Purchase Categories are subject to change quarterly. 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.

  3. 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.

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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.