U.S. Bank Shopper Cash Rewards Visa Signature Card
$95 annual fee · no published rate on everything else · 3.0% foreign transaction fee
Earn rates · how we got this
| Category | Rate | Cap |
|---|---|---|
| Everything else | not published | the issuer does not print a rate for uncategorised spending |
Does the fee earn out? · how we got this
The $95 fee minus $0 in printed credits leaves $95/yr to earn back through rewards — roughly $∞ of spending at the base rate. Whether that clears depends on your actual spending.
Is this $95 fee worth it? See the break-even math →
Check the current offer on the issuer's site → Where a card link will appear once available — no link on this page pays us today.
Who this card is not for
Every point below is a term the issuer prints, read off this card's own row in our database — not an opinion about the card. three things on this card rule out a kind of spender:
- Anyone applying today. The issuer no longer opens this card to new applicants. It stays published because people still hold it — and because it is a product-change destination, not because it can be applied for.
- Anyone who spends abroad. Every purchase in a foreign currency carries a 3.0% foreign transaction fee. On a card earning its base rate, that fee costs more than the rewards on the same purchase.
- Anyone wanting one card for everything. The issuer publishes no earn rate for spending outside the categories above, so we cannot tell you what an uncategorised dollar earns here. We print that as unknown rather than as a zero, but it does mean this card cannot be judged as an everything card.
Don't want the fee any more?
U.S. Bank Shopper Cash Rewards Visa Signature Card can normally be product-changed to one lower-fee card in the U.S. Bank consumer cash family instead of being closed — which keeps the account, its age and its credit line.
What does U.S. Bank Shopper Cash Rewards Visa Signature Card downgrade to? →
More from U.S. Bank
Which card should this spending actually be on? The demo re-scores a year of realistic spending against every card in a wallet — free, no signup. See it on sample data →
Verified 2026-08-21 against issuer terms · sources: www.usbank.com · www.usbank.com · www.nerdwallet.com. This card is closed to new applicants. Spot an error? Tell us.