【Updated 2025.8】The welcome bonus on this card has now increased to $300 after spending $2,000 within 120 days. Unfortunately, the annual fee is $95, though it is waived for the first year. The biggest strength of this card is its customizable 6% and 3% cash back categories. In that sense, it is somewhat similar to Blue Cash Preferred, but the eligible merchants are actually quite solid, including Amazon, Best Buy, Walmart, Target, and more.

US Bank Shopper Cash Rewards Credit Card Review

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Full review

U.S. Bank Shopper Cash Rewards Credit Card

Choose your own 6% and 3% categories; usable at Amazon, Walmart, Costco, and Target!

  • Welcome bonus: $250 (spend $2,000 within 120 days of account opening)
  • Rewards: Each quarter, choose two 6% cash back merchants and one 3% cash back category (each capped at $1500 in spending); all other purchases earn 1.5% cash back
  • Redemption: Redeem for cash back directly
  • Annual fee: $95（No annual fee for the first year）
  • Apply now>>

Benefits

  • Choose two 6% cash back retailers: You can earn 6% cash back at two retailers selected from the list below. The cap is $1,500 in purchases per quarter, meaning you can earn up to $90 cash back each quarter. Eligible merchants include: Ace Hardware, Amazon.com, Anthropologie, Apple, 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, and Williams Sonoma. For example, Amazon, Walmart, and Target all sell a wide variety of third-party gift cards and Visa gift cards, so maxing out this category is actually pretty easy.
  • Choose one 3% cash back category: Each quarter, you can select one category to earn 3% cash back. Options include wholesale clubs, gas stations and EV charging, utility bills, and more. This is very practical, especially the utility bills category. The cap is also $1,500 in purchases per quarter, so you can earn up to $45 cash back.
  • 5.5% cash back on car rentals and hotels: If you use this card to book car rentals and hotels through US Bank's cash back travel portal, you can earn 5.5% cash back. That is quite good.

Summary

Unfortunately, this card does come with a $95 annual fee. Still, if you can max out the 6% cash back categories every quarter and also use the 3% category to cover spending categories you otherwise would not have bonus rewards on, then it can be well worth keeping long term. If product changes are allowed, this could also be a good card to convert some higher-annual-fee cards into for long-term holding.

Compared with other options, this 6% rate is really strong, especially since even co-branded cards from these merchants typically top out at only 5% cash back.

Also, the list of eligible merchants and categories may change over time. Hopefully even better merchants or categories will be added in the future!

Application

  • US Bank application status check link. Or call: 800-947-1444
  • When you apply, US Bank may check the two smaller credit bureaus SageStream & ARS credit reports, so you may consider freezing them before applying
  • You can only earn the welcome bonus on the same US Bank credit card once
  • You can call the reconsideration line (800-947-1444) to speed up the credit card approval process or to have a denied application reviewed again.
  • US Bank is relatively sensitive to HPs and new accounts. Having a US Bank Checking account can help with getting approved for a credit card
  • More about applying for US Bank credit cards

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