The Shopper Cash Rewards earns 6.0X on retail, 3.0X on gas, 1.5X on all_purchases with a $95 annual fee.
Our Verdict
The Shopper Cash Rewards is a cashback rewards card from U.S. Bank that carries a $95/yr on the visa network. At its core it earns 1.0X cash back on everyday purchases, making it straightforward for cardholders who want predictable, consistent returns.
Cash-back seekers will appreciate the simplicity — every dollar spent converts directly to statement credits or deposits with no points math required. The Shopper Cash Rewards is best suited for cardholders who prioritize easy redemptions over maximum aspirational value.
The $95/yr fee is the key variable — run the numbers against your actual spending. If the rewards and benefits offset the fee, this card earns its place in your wallet. If not, consider a comparable no-fee alternative.
Apply for the Shopper Cash Rewards →Rewards Structure
Fee Analysis
The Shopper Cash Rewards charges $95 per year. To justify this fee, you need to earn at least $95 in rewards and benefits annually.
At the base 1X earn rate (valued at ~1 cent per dollar), you would need to spend approximately $9,500/year on the card to break even on the annual fee through rewards alone — not counting perks and benefits.
Where This Card Earns Bonus Rewards
| Category | MCC Code | Bonus Rate | Example Merchants |
|---|---|---|---|
| Retail | 5331 Variety Stores | 6x | 99 Cents Only Stores, Big Lots, Building 19, Burlington |
| Retail | 5999 Miscellaneous and Specialty Retail Stores | 6x | AliExpress, Amazon, Amazon.com, Boxed |
| Wholesale-Clubs | 5300 Wholesale Clubs | 6x | BJ's Wholesale Club, BJ's Wholesale Club, Boxed, Costco |
| Wholesale-Clubs | 5399 Misc. General Merchandise | 6x | Kmart, Walmart Supercenter |
| Department-Stores | 5311 Department Stores | 3x | Bealls, Belk, Bloomingdale's, Bloomingdale's - Albuquerque |
| Gas | 5541 Service Stations ( with or without ancillary services) | 3x | 7-Eleven, 7-Eleven - Albuquerque, 7-Eleven - Anaheim, 7-Eleven - Anchorage |
Click any MCC code or merchant name to see all cards that earn bonus rewards there.
Benefits
Effective Annual Fee
Strengths and Weaknesses
Strengths
- 6X top earn rate on bonus categories
- No foreign transaction fees
Weaknesses
- $95 annual fee
- 1X base rate on non-bonus spending
How to Apply
You can apply for the Shopper Cash Rewards directly through U.S. Bank's website. The application takes about 5 minutes and requires your Social Security number, annual income, and housing payment information. Most applicants receive an instant decision. Note that the $95 annual fee is typically not charged until your first statement closes.
Before applying, check if you are pre-approved on U.S. Bank's website — a pre-approval uses a soft pull and does not affect your credit score.