US Bank Shopper Cash Rewards Credit Card Review (New Card, 6% Cash Back but with $95 Annual Fee)

US Bank Shopper Cash Rewards Visa Signature Credit Card Review

Application Link

Benefits

  1. $250 offer: earn $250 after spending $2,000 in 120 days.
  2. Cash back structure:
    • Earn 6% cash back on your first $1,500 in combined eligible purchases each quarter with two retailers you choose.
    • Earn 3% cash back on your first $1,500 in eligible purchases on your choice of one everyday category.
    • Earn 5.5% cash back on prepaid hotel and car reservations booked directly in the Rewards Travel Center.
    • Earn 1.5% cash back2 on all other eligible purchases.
  3. LED-powered technology that lights up the U.S. Bank logo during contactless transactions.

Disadvantages

  1. $95 annual fee, waived for the first year.

6% Merchants List

  • 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
  • Williams Sonoma®

Recommended Application Time

  1. We recommend you apply for this card after you have a credit history of at least two years and you are very comfortable with the credit card game.

Summary

The 6% cashback ability on certain merchants is nice. But it has a quarterly limit of $1,500. If this card is a no annual fee card then it would be a very strong product. But with $95 annual fee, together with its rather small quarterly limit, it is not so great.

After Applying

  • To check the application status, you can visit this webpage or call (800) 947-1444. If you see the 7-10 days message, it just means they will do a manual review and the outcome could be either approved or denied.
  • US Bank reconsideration line: (800) 947-1444.

Historical Offers Chart

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Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved, or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.