U.S. Bank Shopper Cash Rewards Visa Signature
6% at Two Retailers, 3% in One Category — Closed to New Applicants
Practical Recommendation
U.S. Bank stopped accepting applications for this card on June 22, 2026. If you don't already have it, you can't get it. If you do have it, nothing changes: the card keeps working, the 6%/3% picks keep working, and U.S. Bank is not force-converting existing accounts to another product.
For current cardholders, the math is the same as it always was. Pick two retailers for 6% and one everyday category for 3%, then set a reminder to re-confirm your choices each quarter. Your first-year $0 intro annual fee is long gone, so at $95 a year you need roughly $1,600+ of annual spend in the 6% buckets just to clear the fee. If your shopping has drifted away from the big boxes, it's worth pricing this against a $0-fee flat-rate card before you pay the fee again.
If you're shopping for a new card today, look at the Cash+ instead — same quarterly-category idea, no annual fee, and still open.
Perks
- Earning, at a glance – 6% at two chosen retailers (up to $1,500/quarter combined); 3% in one category (gas & ev charging, wholesale clubs, or bills & utilities) up to $1,500/quarter; 1.5% everywhere else. You must enroll each quarter; changes can take up to 3 business days to apply.
- Retailer list (24 options) – Includes Amazon, Walmart, Target, Apple, Best Buy, Home Depot, Lowe's, Ikea, Wayfair, and more. Pick the two you actually use, not the fanciest names.
- Rewards Travel Center bump – 5.5% back on prepaid hotels and car rentals booked through the U.S. Bank portal. Use it when prices match or beat booking direct; otherwise default to your 6%/3% lanes.
- Shopping Deals portal – Extra cash-back offers at 1,100+ online stores; stack with your card's base earn for better returns.
- Real-Time Rewards – Optional text-to-redeem lets you wipe purchases with cash back right after they post. It's instant and keeps things simple.
- Redemption options – Statement credit, deposit to U.S. Bank checking/savings, U.S. Bank Rewards Card, or merchant gift cards. Cash rewards don't expire while the account is open.
- Foreign transaction fee – 3%. Skip this card abroad and use one with no foreign fees.
Protections
- Rental car insurance (secondary CDW) – Covers damage or theft of the rental car when you pay with the card; secondary to your own auto policy; not liability coverage. See your Guide to Benefits.
- Purchase protection – Helps with theft or accidental damage on eligible items for a short window after purchase; limits/exclusions apply.
- Extended warranty – Adds extra warranty time on eligible purchases beyond the manufacturer's coverage.
- Travel accident & assistance – Basic Visa Signature assistance benefits; see your Guide to Benefits for details.
Gotchas to Know
- No longer available – U.S. Bank stopped accepting applications on June 22, 2026. Existing accounts stay open and keep the same rewards; U.S. Bank is not converting them to a different card.
- Quarterly caps & re-enrollment – 6% and 3% rates drop to 1.5% after $1,500 per bucket each quarter; you must re-select categories every quarter.
- Subsidiaries & third-party delivery – Purchases through subsidiaries or delivery services may not count for 6%/3% and default to 1.5%.
- Gas & EV charging caveat – Purchases at discount stores/wholesale clubs/groceries don't count for 3% gas; they earn 1.5%.