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After more than three years on the market, the U.S. Bank Shopper Cash Rewards® Visa Signature® Card has closed to new applicants as of June 22, 2026, a U.S. Bank spokesperson confirmed.
“To ensure our credit card portfolio remains focused, innovative, and aligned with customer needs, we periodically retire products that are no longer a strategic fit,” U.S. Bank confirmed to NerdWallet in an email.
Existing cardholders will not be moved to another U.S. Bank credit card and can continue to use their Shopper Cash cards.
» SEE: Best U.S. Bank credit cards
Eye-catching rewards — with tons of caveats
U.S. Bank marketed the Shopper Cash card as a one-card solution for those wary of juggling several cash-back cards. Its headlining feature? Up to a whopping 6% cash back per quarter at two retailers of your choice from a list of two-dozen, including biggies like Amazon, Target and Walmart. The card also earns up to 3% back each quarter in one "everyday" category you choose, including warehouse clubs; bills and utilities; or gas and EV charging. Most other eligible purchases earn a respectable 1.5% back.
But alongside those eye-popping rates is a laundry list of rules, restrictions and caps that ultimately limited the card’s ability to be a Swiss Army knife for all users. In fact, NerdWallet cited the U.S. Bank Shopper Cash Rewards® Visa Signature® Card on our list of credit cards with confusing rewards.
Consider that juicy 6% rate: Cardholders earn 6% back at only two merchants per quarter, not all 24 on the list. Moreover, that 6% rate is capped at $1,500 in combined quarterly spending, a limit that plenty of households can blow through within a few months. Say you got the Shopper Cash card to earn rewards on grocery purchases at Walmart. If you spent $500 a month on groceries, you’d hit that $1,500 spending cap with no room for earning 6% back on anything else. A $1,500 quarterly limit simply can’t accommodate some families who are spending, on average, over $1,000 a month on groceries.
There's also the matter of the card’s annual fee — $0 intro for the first year, then $95 — which is relatively high compared to other cash-back cards. Yes, it’s possible to out-earn the annual fee in rewards, but it requires tracking and maintenance that some consumers don’t have the bandwidth for.
Alternatives
The U.S. Bank Shopper Cash Rewards® Visa Signature® Card is a unique card that doesn’t have a perfect analog. If you missed the window to apply for it but still want a card with customizable rewards, consider another U.S. Bank card, the U.S. Bank Cash+® Visa Signature® Card. Its cash-back rate tops out at 5%, and there's still a quarterly spending cap to keep in mind — but its annual fee is $0. There are some similarities in the bonus categories between the Cash+ and Shopper Cash, too. The Shopper Cash can earn up to 6% back at Apple, while the Cash+ can earn up to 5% at electronic stores.
If big rewards at specific merchants are what you’re after, your best option may be a store credit card. For example, for savings at Target and Lowe’s — two other merchants that appear on the Shopper Cash's 6% list — you could get the Target Circle™ Credit Card or MyLowe’s Rewards Credit Card, respectively. Both cards give you a 5% discount on most purchases, a shade less than the Shopper Cash's potential 6% cash back. But again, unlike the Shopper Cash, the Target and Lowe’s credit cards don’t have annual fees.
