General Comparison
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U.S. Bank Shopper Cash Rewards | Cash+™ Visa Signature | |
Annual Fee | $95 ($0 on first year) | $0 |
Rewards | 6% cash back on your first $1,500 in combined eligible purchases each quarter at two retailers you choose, 3% back on your first $1,500 in eligible purchases each quarter on your choice of one everyday category, 1.5% back on all other qualifying purchases. Also, 5.5% back on reservations for hotels and prepaid car rentals when you book through the U.S. Bank Rewards Center. | 5% cash back on purchases in two categories of your choice (up to $2,000 in combined purchases per quarter, then 1 percent). 5% back on prepaid air, hotel, and car reservations through the Rewards Center. 2% cash back on one choice everyday category. 1% back on all other purchases |
Welcome bonus | $250 bonus after you spend $2,000 in eligible purchases within the first 120 days of account opening | $200 bonus after spending $1,000 in eligible purchases within the first 120 days of account opening. |
0% Intro APR | 15 billing cycles if you transfer a balance in the first 60 days of opening your account | 15 billing cycles on purchases and balance transfers |
Foreign Transaction Fee | 3% | 3% |
Purchase APR | 19.74% – 29.74% | 19.49% – 29.74% (Variable) |
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Shopper vs Cash+: Cash Back Rewards Analysis
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Spend Per Category | U.S. Bank Shopper Cash Rewards | U.S. Bank Cash+ Visa Signature |
$15,000 – U.S Supermarkets | $585 * | $470 ** |
$4,000 – Restaurants
| $60 | $40 |
$4,000 – Airline | $60 | $40 |
$5,000 – Hotels | $275 | $50 |
$4,000 – Gas | $60 | $80 *** |
Total Cashback | $1,040 | $680 |
* 6% and 3% cash back on supermarkets on the first $12,000
** 5% cash back on supermarkets on the first $8,000 *** 2% cash back on gas
When You Might Want The Shopper Cash Rewards?
You Might Prefer the U.S. Bank Shopper Cash Rewards if:
If You Spend More Than $10,000 Annually: Based on our analysis, the U.S. Bank Shopper Cash Rewards might be a better choice for you, as it potentially provides more cashback if your annual spending exceeds $10,000.
You Book Hotels Via U.S. Bank Rewards Center: The card offers high cashback on hotels which can significantly increase your overall cashback compared to the Cash card that doesn't offer this perk.
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When You Might Want The Cash+ Visa Signature?
You Might Prefer the U.S. Bank Cash+ Visa Signature over the Priority if:
You Spend on 2-3 Main Categories Less Than $8,000 Annually: If your spending concentrates on 2-3 main categories and doesn't exceed $8,000 annually, the U.S. Bank Cash+ Visa Signature may be a better fit, allowing you to maximize cash back in chosen categories without paying an annual fee.
Desire No Annual Fee Card: If you prefer a credit card without an annual fee, the U.S. Bank Cash+ Visa Signature is the preferable choice, ensuring you can earn cash back without incurring an annual fee like the Shopper Cash Rewards card.
Compare The Alternatives
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Capital One Quicksilver Cash Rewards Credit Card | Blue Cash Preferred® Card from American Express | Chase Sapphire Preferred® Card | |
Annual Fee | $0
| $95 ($0 intro for the first year)
| $95
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Rewards |
1.5% – 5%
5% percent cash back on hotels and rental cars booked through Capital One Travel and 1.5% cash back on all purchases everyday.
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1-6%
6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit
and U.S. gas stations, 1% cash back on other purchases
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2X – 5X
5x total points on travel purchased through Chase Travel, 3x points on dining, online grocery purchases and select streaming services. 2x on other travel purchases. Plus, earn 1 point per dollar spent on all other purchases.
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Welcome bonus |
$200
$200 cash bonus once you spend $500 on purchases within 3 months from account opening
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$250
$250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
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60,000 points
60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening
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Foreign Transaction Fee | $0 | 2.70% | $0
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Purchase APR | 19.99% – 29.99% variable
| 19.24% – 29.99% Variable
| 21.24%–28.24% variable APR
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Compare U.S. Bank Cash+ Visa Signature
While both cards offer great rewards and have no annual fee, the winner between the two depends on your goals. Here's our analysis.
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