ResourcesCalculatorsU.S. Bank Shopper Cash Rewards
$95 Annual Fee

Is the U.S. Bank Shopper Cash Rewards worth it for you?

6% back at two retailers you pick, 3% at one everyday category you pick, 1.5% on everything else. Pick your categories, enter your spend, and see if the $95 fee pays for itself.

Bonus / Offer

Did you get a bonus for opening this card?

Choose Your Categories

Pick your two 6% retailers and your one 3% everyday category — this is a one-time choice you make when you activate the card each year. The two retailers below share a single combined $6,000/yr cap at 6%; the everyday category has its own separate $6,000/yr cap at 3%.

Annual spend by category
$
$
Up to $6,000/yr, then 1.5%
$
$
Net value after the $95 fee
$-95.00SKIP IT
Amazon + Apple (6%)$0.00
Gas & EV Charging Stations (3%)$0.00
Everything else (1.5%)$0.00
Annual fee−$95
Net value$-95.00

Not a referral or affiliate link.

← Back to resources

Card images, names, and logos shown on this page are trademarks of their respective owners, including U.S. Bank, Visa, Amazon, Apple, Best Buy, Target, Walmart, Kohl's, and Macy's. Their use here is for identification purposes only and does not imply endorsement or affiliation.

Educational purposes only. The content on this site — including guides, calculators, card comparisons, and recommendations — is provided for informational and educational purposes only. It does not constitute financial, tax, or legal advice. Credit card terms, rewards rates, and benefits change frequently; always verify details on the issuer’s official website before applying. He’s Got a Point is not a licensed financial advisor.