Earn smarter and save more with the U.S. Bank Shopper Cash Rewards® Visa Signature® Card — a cashback card that adapts to your spending habits and rewards you where you shop the most.
For consumers who want maximum value from everyday purchases, the U.S. Bank Shopper Cash Rewards® Visa Signature® Card offers one of the most flexible reward systems on the market. This isn’t just another cashback card — it’s a tool designed for shoppers who appreciate control, simplicity, and meaningful returns.
With the ability to earn 6% cash back on your two favorite retailers, 3% cash back on one everyday category such as gas or dining, and 1.5% on all other purchases, this card adjusts to your lifestyle with ease. Every three months, you can update your selected categories, ensuring your rewards match your current spending habits.
Add Visa Signature® benefits, fraud protection, and no annual fee during the first year, and you’ve got a card that delivers consistent value, long-term flexibility, and peace of mind for everyday shopping.
U.S. Bank Shopper Cash Rewards
6% cash back Low annual feeBenefits of the U.S. Bank Shopper Cash Rewards® Visa Signature® Card
- Earn Big at Your Favorite Retailers
The top feature of this card is the 6% cash back you can earn at your top two retailers. Each quarter, you select the stores that match your shopping patterns — from household names like Amazon.com®, Walmart®, and Target® to specialty retailers.
This customization allows you to focus on where your spending happens most, making it a highly efficient way to earn meaningful rewards throughout the year.
- 3% Cash Back on Everyday Expenses
In addition to top-tier retailer rewards, you can earn 3% back on one everyday category such as dining, gas, or utilities. These categories are part of daily life, ensuring that you’re rewarded for essential spending that occurs month after month.
By allowing you to reselect this category quarterly, U.S. Bank ensures your card remains as relevant as your lifestyle — whether you’re focused on fuel, home bills, or restaurants.
- Steady Rewards on Everything Else
Every other purchase you make with the U.S. Bank Shopper Cash Rewards® Card earns 1.5% cash back. This flat-rate feature guarantees that no transaction goes unrewarded, giving you continuous earning potential regardless of where you spend.
It’s ideal for those who prefer a simple, reliable structure without complicated limitations or exclusions.
Strengths and Consumer Advantages
The U.S. Bank Shopper Cash Rewards® Visa Signature® Card shines because of its flexibility and structure. You’re not tied to preset categories or temporary promotions — instead, you make quarterly choices that directly reflect your lifestyle and preferences.
Families can focus on supermarkets and gas stations, while frequent online shoppers can target e-commerce giants like Amazon®. Every quarter is an opportunity to refine your cashback strategy and maximize value without changing how you spend.
Additionally, with Visa Signature® benefits, you gain access to premium protections like extended warranties, travel coverage, and concierge services, adding convenience and confidence to every purchase.
Potential Savings and Advantages
The savings potential is impressive. For example, if you spend $1,500 per quarter at your selected 6% retailers, $500 in your 3% category, and $2,000 on other purchases, you could earn approximately $450 in cash back per year.
That’s money that can go directly toward paying bills, saving for a trip, or offsetting future purchases. And since there’s no annual fee for the first year, every dollar of those rewards stays in your pocket.
Unlike travel-based reward cards that restrict redemptions, your cash back can be redeemed as a statement credit, direct deposit, or gift card — giving you full control over how you use your earnings.
Practical Value and Everyday Efficiency
What makes this card particularly valuable is its adaptability. You can switch categories every three months, keeping your earning strategy fresh and effective.
For example, during the holidays, you might focus on retailers like Walmart® and Target® for 6% back, then switch to Amazon.com® or Lowe’s® in the next quarter. This rolling flexibility means you’ll always be optimizing rewards based on your seasonal or lifestyle needs.
And because all purchases earn at least 1.5%, the card encourages consistent use, helping you maximize your rewards throughout the year.
Security and Consumer Protection
The U.S. Bank Shopper Cash Rewards® Visa Signature® Card provides robust protection through the Visa Signature® network. You’ll enjoy:
- Zero Liability Protection — You won’t be held responsible for unauthorized purchases.
- 24/7 Fraud Monitoring — Continuous protection with real-time alerts.
- EMV Chip Security — Advanced encryption for in-store purchases.
- Digital Wallet Compatibility — Use Apple Pay®, Google Pay™, or Samsung Pay® for secure contactless payments.
Together, these features ensure that your rewards come with complete confidence and peace of mind.
Eligibility Criteria
Applicants generally need good to excellent credit (FICO® 700 or higher), U.S. residency, and a stable income to qualify. A responsible credit history and low credit utilization increase approval odds and may help you secure better terms.
Application Process
- Visit the official U.S. Bank website.
- Locate the U.S. Bank Shopper Cash Rewards® Visa Signature® Card page.
- Click “Apply Now.”
- Enter your personal and financial details, including income and Social Security number.
- Review all disclosures and card terms carefully.
- Submit your application securely online.
Most applicants receive an instant decision. Upon approval, you can expect your card to arrive within 7–10 business days, after which you can activate it online or via the mobile app and start earning immediately.
Frequently Asked Questions
1. How do I select my 6% cashback retailers?
You’ll receive a list of eligible retailers each quarter and can choose two that best fit your spending.
2. Can I change my 3% category anytime?
You can update your 3% category every quarter through your online account or the mobile app.
3. Is there an annual fee?
The card has no annual fee for the first year, giving you an opportunity to earn rewards at no cost.
4. How can I redeem my cashback?
You can redeem rewards for a statement credit, direct deposit, or gift card — whichever option suits you best.
Take Control of Your Finances with the U.S. Bank Split™ World Mastercard® 
Spend Smarter Every Day with the U.S. Bank Smartly™ Visa Signature® Card 
Elevate Your Lifestyle with the U.S. Bank Cash+® Visa Signature® Card