Shopper Cash Rewards vs Xbox
Shopper Cash Rewards
$95/yr
6.5/10
VS
Xbox
$0/yr
7.0/10
Quick Answer
Shopper Cash Rewards charges $95/yr with 1X base rewards. Xbox charges no annual fee with 1X base rewards. Xbox offers better overall value for most spenders when comparing fees, rewards, and benefits side by side.
Apply for Shopper Cash Rewards →
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Winner by Category
Annual Fees
Xbox
Lower annual fee ($95 vs $0)
Rewards Earning
Shopper Cash Rewards
3 earning categories
Benefits & Protection
Shopper Cash Rewards
0 benefits vs 0
Flexibility
Tie
Both cards have similar redemption flexibility
OUR PICK
Xbox wins for most people
The $95 fee difference is hard to justify unless you maximize premium benefits.
Apply for XboxPREMIUM PICK
Shopper Cash Rewards wins for heavy spenders
If you can offset the higher fee with credits and perks, this card delivers more value.
Apply for Shopper Cash RewardsRewards Earning: Detailed Comparison
Shopper Cash Rewards
| Top 2 eligible retailers of your choice | 6.0X (up to $1,500) |
| Gas stations & EV charging | 3.0X |
| Everything else | 1.5X |
Xbox
| Xbox purchases | 5.0X |
| Dining, grocery, entertainment | 3.0X |
| Everything else | 1.0X |