Скачать или смотреть U.S. Bank Shopper Cash Rewards Card Review 2025 | Worth It or Leave It?

The U.S. Bank Shopper Cash Rewards Visa Signature Card is designed to solve the pain points of shoppers who want maximum rewards and real flexibility, offering a standout 6% cash back on up to $1,500 per quarter at two major retailers of choice and 3% on another selected everyday category like gas or groceries, making it easy to earn the most where it matters. All other purchases earn a steady 1.5% cash back with no limits, plus a generous $250 bonus after just $1,000 spend in the first 90 days and a 0% intro APR on purchases and balance transfers for 15 billing cycles to help manage new expenses. Extra travel benefits include two free checked bags and no foreign transaction fee, while rewards redemption is simple with statement credits or PNC deposits. Keep in mind, the best cash back rates are capped at $1,500 per quarter and category selection must be managed to avoid missing value. Redemption is mostly limited to statement credits, approval needs good to excellent credit, and carrying a balance long term isn't advised with a regular APR up to 28.24%. Are these rewards too good to be true, or is there something hiding beneath the surface? The answer is revealed at the end of this review.

Pros:
6% cash back at two retailers you choose (up to $1,500 per quarter)
3% cash back on another everyday category (up to $1,500 per quarter)
1.5% cash back on all other purchases
$250 bonus for new cardholders after qualifying spend
0% intro APR on purchases and balance transfers for 15 billing cycles
Two free checked bags on flights
No foreign transaction fees

Cons:
Cash back caps at $1,500 per quarter for bonus categories
Requires active management to pick categories each quarter
Limited redemption options (primarily statement credits or PNC bank deposits)
High regular APR can reach up to 28.24%
Requires good to excellent credit

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