US Bank Shopper Cash Rewards card overview: Up to 6% cash back at popular retailers like Amazon and Walmart and a unique feature you won’t find on any other card

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US Bank has launched a brand-new cash-back credit card, and it is positive to brighten up your pockets, with excessive incomes charges on popular retail manufacturers (similar to Amazon and Walmart) and new LED expertise. The U.S. Bank Shopper Cash Rewards™ Visa Signature® Card is a terrific card for nearly any family, but when you usually spend greater than $1,500 per quarter on retail, you could do higher with a completely different cash-back card. 

Review: Is the US Bank Shopper Cash Rewards the most effective card for you? 

Cash-back cards are a few of the most rewarding bank cards on the market, and the brand-new U.S. Bank Shopper Cash Rewards™ Visa Signature® Card may very well be a new crowd favourite. Cardholders can match their present spending habits by incomes up to 6% cash back at two eligible retailers of their selecting (together with Amazon, Walmart, and Chewy), in addition to 3% cash back on an on a regular basis class of their selection (similar to gas and EV charging, or wholesale golf equipment). 

It’s necessary to notice that the 6% and 3% cash-back incomes charges are each capped after the primary $1,500 spent in mixed purchases every quarter (then earn 1.5%). This may very well be particularly limiting to of us who simply spend greater than $1,500 in retail purchases per quarter (round $375 per 30 days). If that is the case, you could also be higher off with a completely different rewards card. 

The U.S. Bank Shopper Cash Rewards™ Visa Signature® Card presents a beneficiant welcome bonus of U.S. Bank Shopper Cash Rewards™ Visa Signature® Card. And it is particularly eye-catching because it’s charging an annual price of U.S. Bank Shopper Cash Rewards™ Visa Signature® Card.

Speaking of eye-catching, the U.S. Bank Shopper Cash Rewards™ Visa Signature® Card is the primary to embody LED-powered technology within the card’s plastic. The US Bank emblem lights up when you make a contactless transaction, and choose new cardholders will obtain this model of the card at no additional value.

In addition to incomes rewards on retail and on a regular basis spending, cardholders can earn 5.5% cash back on hotels and automotive leases booked by the US Bank Rewards Center. So if you’re an occasional traveler, and you do not thoughts being restricted to Rewards Center bookings, you can do very properly with the U.S. Bank Shopper Cash Rewards™ Visa Signature® Card.  

If you’re a fan of Visa Signature benefits, the U.S. Bank Shopper Cash Rewards™ Visa Signature® Card has acquired you lined. Like many other US Bank bank cards, this card will get you unique offers, reductions, and presents for leisure, purchasing, and journey occasions. Plus, you’ll obtain complimentary entry to the Visa Concierge Service.

Otherwise, you’ll get some respectable journey and buy safety perks (like return safety and roadside help), however nothing that knocks your socks off. If you’re in search of premium card perks, take into account making use of for a credit score card with a larger annual price. 

The U.S. Bank Shopper Cash Rewards™ Visa Signature® Card, sadly, would not supply a 0% intro APR on stability transfers or purchases, so it is not a great card for consolidating debt or saving on curiosity.

That stated, a comparable rewards credit score card with a robust intro APR supply additionally price contemplating is the Blue Cash Preferred® Card from American Express. It has a Blue Cash Preferred® Card from American Express (then a Blue Cash Preferred® Card from American Express APR), in addition to a comparable welcome bonus and annual price to the U.S. Bank Shopper Cash Rewards™ Visa Signature® Card.

On the other hand, if you’re wanting to earn rewards on broader spending classes with out comprising the reward customization side of the card, then you ought to give the U.S. Bank Cash+® Visa Signature® Card a look. It earns 5% cash back in two eligible classes of your selection, up to $2,000 in mixed purchases per quarter (then 1% back); and earns 2% cash back at grocery shops, fuel stations, EV charging stations, or restaurants

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We’re targeted right here on the rewards and perks that include every card. These playing cards won’t be price it if you’re paying curiosity or late charges. When utilizing a credit score card, it is necessary to pay your stability in full every month, make funds on time, and solely spend what you can afford to pay.

How to earn rewards from the US Bank Shopper Cash Rewards card

The spotlight of the U.S. Bank Shopper Cash Rewards™ Visa Signature® Card is the 6% cash back incomes price on purchases from two main retail manufacturers of your selection (from a choose record). However, the 6% price is capped at the primary $1,500 in mixed purchases every quarter (then earn 1.5% back).

Still, meaning you’ll give you the chance to spend about $375 per 30 days in mixed purchases from each retail manufacturers of your selection. On retail purchases alone, you can earn up to $90 in bonus cash every quarter (up to $360 per yr). 

This is what you’ll earn with the U.S. Bank Shopper Cash Rewards™ Visa Signature® Card

  • 6% back on two retail manufacturers of your selection, on your first $1,500 in mixed eligible purchases every quarter (then 1.5% back)
  • 5.5% back on pay as you go resort and automotive reservations booked instantly by the Rewards Travel Center
  • 3%  back on your selection of 1 on a regular basis class (similar to fuel and EV charging stations, wholesale golf equipment, and payments and utilities), up to your first $1,500 in eligible purchases (then 1.5% back)
  • 1.5% cash back on all other eligible purchases

How to use rewards from the US Bank Shopper Cash Rewards

The U.S. Bank Shopper Cash Rewards™ Visa Signature® Card lets you redeem rewards as a assertion credit score, a rewards card ($25 minimal to redeem), a present card, or direct deposit into an eligible US Bank account.

You can entry your redemption choices in your US Bank on-line account, underneath the “Redeem” tab. 

US Bank Shopper Cash Rewards card advantages and options

LED expertise

In a unique twist, US Bank is piloting a model of the U.S. Bank Shopper Cash Rewards™ Visa Signature® Card that has LED-powered expertise constructed into the card’s plastic. This lights up the card’s US Bank emblem when it is used for contactless transactions, and is accessible to choose cardholders whereas provides final at no further value. If you do not obtain an LED model of at first, you could give you the chance to improve to one sooner or later, relying on availability. 

Visa Signature advantages

U.S. Bank Shopper Cash Rewards™ Visa Signature® Card cardholders get a handful of serious reductions, upgrades, and unique entry to journey, leisure, advantageous wine and meals, sports activities, and purchasing areas and occasions. Some of probably the most notable presents are resort/resort/cruise journey packages and upgrades, entry to over 50 choose Sonoma County Visa Signature wineries, and tickets to high-profile video games. 

Cardholders additionally get complimentary Visa Signature Concierge providers, 24 hours a day, for assist discovering tickets, reserving journey, making dinner reservations, and extra. You can name 800-953-7392 for help, or 630-359-4551 if you’re outdoors the US. 

Extended guarantee

When you use your U.S. Bank Shopper Cash Rewards™ Visa Signature® Card for to buy an eligible merchandise that has a producer’s guarantee, your guarantee protection will be doubled up to one further yr on eligible warranties of three years or much less. Registering your buy (by calling 800-551-8472) is an non-compulsory step; in any other case, make certain to maintain your month-to-month billing assertion exhibiting the acquisition, the itemized gross sales receipt, and the unique US producer’s guarantee in case you want to file a declare.

Return safety

If you buy an eligible merchandise together with your U.S. Bank Shopper Cash Rewards™ Visa Signature® Card and the retailer won’t take it back, you may very well be reimbursed inside 90 days of the date of buy, on up to $250 per merchandise (up to $1,000 annual most per account). 

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Purchase safety

When you use your U.S. Bank Shopper Cash Rewards™ Visa Signature® Card to buy an eligible merchandise, you will be lined for theft or injury throughout the first 90 days of buy. This purchase protection has a restrict of up to $10,000 per declare and up to $50,000 per cardholder.

Roadside dispatch

You’ll get entry to the 24/7 roadside dispatch hotline for help on emergency providers similar to towing, jump-starting, or winching. The dispatch service is complimentary, however you’ll be chargeable for the price of any precise providers supplied. 

Travel and emergency help providers

If you encounter hassle whereas away from house and want emergency help, you can contact the hotline for assist arranging authorized and medical referrals, in addition to prescriptions, transaction providers, and extra. Like the roadside dispatch service, it is freed from cost, however you’ll be chargeable for the price of any third-party providers. 

Emergency card alternative and cash disbursement

In the case of needing a card alternative or emergency cash, you can request help at any time, anyplace on the planet.

Lost/stolen card reporting

You can obtain help providers 24/7 anyplace on the planet if you want to report your credit card as lost or stolen.

Fees and prices

The U.S. Bank Shopper Cash Rewards™ Visa Signature® Card has a U.S. Bank Shopper Cash Rewards™ Visa Signature® Card APR.

The card has charges for stability transfers, cash advances, late funds, and returned funds. It additionally prices a foreign transaction fee, so it is not ultimate for worldwide purchases. 

US Bank Shopper Cash Rewards vs other US Bank bank cards

 

U.S. Bank Shopper Cash Rewards™ Visa Signature® Card

U.S. Bank Cash+® Visa Signature® CardU.S. Bank Altitude® Connect Visa Signature® Card
Annual price

U.S. Bank Shopper Cash Rewards™ Visa Signature® Card

U.S. Bank Cash+® Visa Signature® Card

U.S. Bank Altitude® Connect Visa Signature® Card

Rewards charges

6% cash back on two eligible retailers of your selection, up to $1,500 in mixed purchases every quarter (then 1.5% back)

5.5% cash back on all pay as you go journey booked by the Rewards Center

3% cash back in your selection of on a regular basis class, up to your first $1,500 in purchases every quarter (then 1.5% back)

1.5% cash back on all other eligible purchases

5% cash back in two eligible classes of your selection, on up to $2,000 in mixed spending every quarter (then 1%)

2% cash back at grocery shops, fuel stations, EV charging stations, or eating places

1% cash back on all other eligible purchases

5x factors on pay as you go resorts and automotive leases booked instantly within the Altitude Rewards Center

4x factors on journey and at fuel stations

2x factors at grocery shops, grocery supply, eating, and streaming providers

1 level per greenback on all other eligible purchases

Welcome bonus

U.S. Bank Shopper Cash Rewards™ Visa Signature® Card

U.S. Bank Cash+® Visa Signature® CardU.S. Bank Altitude® Connect Visa Signature® Card
Benefits

Emergency card alternative and cash disbursement

Lost/stolen card reporting

Roadside dispatch

Travel and emergency help providers

Visa Signature Benefits

Extended Warranty

Return safety

Purchase safety

U.S. Bank Cash+® Visa Signature® Card (then U.S. Bank Cash+™ Visa Signature® Card)

Roadside dispatch

Travel and emergency help providers

Visa Signature advantages

$30 annual credit score for streaming service purchases

Global Entry/TSA PreCheck utility price credit score

Cell telephone safety

Roadside dispatch

Travel and emergency help providers

Visa Signature advantages

No overseas transaction charges

Review 

US Bank Cash+ Visa Signature Card review

US Bank Altitude Connect card review

US Bank Shopper Cash Rewards vs other cash back playing cards

 

U.S. Bank Shopper Cash Rewards™ Visa Signature® Card

Blue Cash Preferred® Card from American ExpressCapital One SavorOne Cash Rewards Credit Card
Annual price

U.S. Bank Shopper Cash Rewards™ Visa Signature® Card

Blue Cash Preferred® Card from American ExpressCapital One SavorOne Cash Rewards Credit Card
Rewards charges

6% cash back on two eligible retailers of your selection, up to $1,500 in mixed purchases every quarter (then 1.5% back)

5.5% cash back on all pay as you go journey booked by the Rewards Center

3% cash back in your selection of on a regular basis class, up to your first $1,500 in purchases every quarter (then 1.5% back)

1.5% cash back on all other eligible purchases

6% cash back at U.S. supermarkets*

6% back on choose U.S. streaming subscriptions

3% back at U.S. fuel stations and on transit

1% back on all other purchases

5% cash back on resorts and rental automobiles booked by Capital One Travel

3% cash back on eating, grocery shops (excluding superstores like Walmart and Target), and eligible streaming providers and leisure

1% cash back on all other purchases

Welcome bonus

U.S. Bank Shopper Cash Rewards™ Visa Signature® Card

Blue Cash Preferred® Card from American ExpressCapital One SavorOne Cash Rewards Credit Card
Benefits

Emergency card alternative and cash disbursement

Lost/stolen card reporting

Roadside dispatch

Travel and emergency help providers

Visa Signature Benefits

Extended Warranty

Return safety

Purchase safety

Blue Cash Preferred® Card from American Express (then a Blue Cash Preferred® Card from American Express APR)

Disney bundle credit score

Equinox+ credit

Car rental loss and injury insurance coverage

Global help hotline

Purchase safety

Extended guarantee

Amex Offers**

Capital One SavorOne Cash Rewards Credit Card (then a Capital One SavorOne Cash Rewards Credit Card APR)

Extended guarantee

Travel accident insurance coverage

Travel help providers

No overseas transaction charges

Review 

Amex Blue Cash Preferred review

Capital One SavorOne Cash Rewards review
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*With the Blue Cash Preferred® Card from American Express, 6% cash back at U.S. supermarkets on up to $6,000 spent per yr, then 1% back (cash back is obtained within the type of Reward Dollars that may be redeemed as assertion credit)

US Bank Shopper Cash Rewards often requested questions (FAQ)

Is the US Bank Shopper Cash Rewards card price it?

The new U.S. Bank Shopper Cash Rewards™ Visa Signature® Card is price it for people who spend huge on popular retail manufacturers and on a regular basis spending classes. Plus, together with a beneficiant welcome bonus of U.S. Bank Shopper Cash Rewards™ Visa Signature® Card, you’ll pay an annual price of U.S. Bank Shopper Cash Rewards™ Visa Signature® Card

However, with the U.S. Bank Shopper Cash Rewards™ Visa Signature® Card each 6% and 3% incomes classes are capped at $1,500 per quarter (then 1.5% back). So if you usually exceed that quantity on retail/on a regular basis spending purchases, then you may need to swap to completely different cash-back card. The U.S. Bank Shopper Cash Rewards™ Visa Signature® Card can also be not ultimate for worldwide purchases, or for people wanting to pay down credit score card debt with a 0% introductory APR supply. 

What credit score rating do you want to qualify for the Shopper Cash Rewards card?

To be thought-about for the U.S. Bank Shopper Cash Rewards™ Visa Signature® Card you ought to have a good or excellent credit score (FICO score of at least 670).

What is US Bank ExtendPay?

ExtendPay is a new fee choice for people who want to divide up their credit score card purchases into month-to-month funds with no curiosity. But bear in mind, it nonetheless prices a fastened month-to-month price. Also, not all purchases made together with your credit score card are eligible for the fee plan; solely purchases made inside 60 days prior to signing up to ExtendPay and are over $100 (and lower than your buy stability when you join) are eligible for the plan. 

If you’re eligible for the ExtendPay Plan, you’ll obtain a notification in your e mail or you can examine your ExtendPay choices in your on-line account particulars.

How do I redeem cash back on my US Bank Shopper Cash Rewards card? 

You’ll give you the chance to redeem your cash-back rewards at any level by the web Rewards Center (which will be accessed as soon as you log into your account and choose “Redeem”), or by calling the Cardmember Services quantity on the back of your card. 

Read the unique article on Business Insider