U.S. Bank Shopper Cash Rewards Review: Up to 6% Back at Top Retailers

It earns eye-popping rates at some of the biggest brands in America, including Amazon, Target and Walmart, plus 3% back in other popular categories. But there's a rewards cap and an annual fee — and it's not the easiest card to manage.
By Jae Bratton 

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Our Take

4.8

NerdWallet rating 
The bottom line:

If you’re willing to actively and consistently manage this card, it can generate more than enough rewards to cover its annual fee.

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U.S. Bank Shopper Cash Rewards™ Visa Signature® Card  - NerdWallet Exclusive
U.S. Bank Shopper Cash Rewards™ Visa Signature® Card
Annual fee
$0 intro for the first year, then $95
Regular APR
18.74%-28.74% Variable APR
Intro APR
N/A
Rec. credit score
690-850 (Good - Excellent)

Methodology

NerdWallet reviews credit cards with an eye toward both the quantitative and qualitative features of a card. Quantitative features are those that boil down to dollars and cents, such as fees, interest rates, rewards (including earning rates and redemption values) and the cash value of benefits and perks. Qualitative factors are those that affect how easy or difficult it is for a typical cardholder to get good value from the card. They include such things as the ease of application, simplicity of the rewards structure, the likelihood of using certain features, and whether a card is well-suited to everyday use or is best reserved for specific purchases. Our star ratings serve as a general gauge of how each card compares with others in its class, but star ratings are intended to be just one consideration when a consumer is choosing a credit card. Learn how NerdWallet rates credit cards.