• You can earn 6% cashback on your combined quarterly purchases at up to two eligible retailers from a selection of 24. (See below for a list of eligible retailers. )


  • Earn 3% in one category per quarter on spending up to $1,500 Wholesale clubs, electric vehicle charging, utilities, and bills are all eligible categories.


  • Get 1.5% off all your other purchases


Complete list of 6% merchants


  • Ace Hardware.


  • Amazon.com.


  • Anthropologie.


  • Bed, Bath, & Beyond.


  • Chewy.com.


  • Crate & Barrel.


  • Home Depot.


  • Lululemon.


  • Nordstrom.


  • Pottery Barn.


  • Restoration Hardware.


  • Wayfair.com.


  • Williams Sonoma.


Each quarter, you must choose between the 6% and 33% categories. You’ll only earn the 1.5% base rate back if you refuse to choose your 6% and 3% categories.

Sign up bonus: Receive a $250 bonus if you spend $2,000 on eligible purchases within the first 120 day of your account opening.

APR: The current APR is between 18.24% and 28.24% Variable.

Additional benefits: Get 5.5% back when you book prepaid hotels or rental cars through the U.S. Bank Rewards Travel Center.

Here are the U.S. NerdWallet Exclusive: Compare Bank Shopper Cash Reward(tm), Visa Signature(r), Card to see how it compares to other cards that offer impressive cash back.


Blue Cash Prreferred(r) Card by American Express

This page shows the rates and fees for the Blue Cash Preferred(r), American Express Card.

Annual Fee: $0 Intro annual Fee for the first year, then $95.


  • Get 6% cashback on purchases up to $6,000 per year in U.S. supermarkets.


  • Get 6% back on selected streaming service subscriptions in the U.S.


  • Get 3% back on U.S. gasoline stations and transit services such as taxis, ridesharing, tolls and trains, and parking.


  • Get 1% off all your other purchases


  • Terms and Conditions apply.

You will receive a $250 statement credit upon your first six months of use of the Card. Terms apply.



Additional benefits:


  • $84 in credit towards a Disney Bundle subscription, as a $7 monthly credit.


  • $120 in credit statements towards Equinox+ memberships (a $10 monthly credit).


  • Terms and Conditions apply.

APR 0% intro rate for 12 months on balance transfers and purchases, then the ongoing APR of 17.74%-28.74% Variable.

Compare it to the U.S. Comparison with the U.S. The Blue Cash Preferred(r), Card from American Express is easier to use as you don’t need to choose new merchants every quarter. The key is where you spend the most: If groceries are the majority of your budget (and you don’t shop at big-box retailers like Target and Walmart), then the Blue Cash Preferred(r), Card from American Express might be a good fit. The U.S. Cash Preferred(r) Card from American Express is a great option if you want to earn more cash on other purchases, such as furniture and clothing. NerdWallet Exclusive Offers Bank Shopper Cash Rewards(tm), Visa Signature(r) Cards – A wide range of retailers are eligible.


U.S. Bank Cash+(r) Visa Signature(r) Card

An annual fee: $0

  • Get 5% cashback on your combined quarterly spending of up to $2,000 in the two categories you select ( or ).


  • Get 2% back on any everyday category that you select each quarter, such as gas stations, electric vehicle charging, or grocery stores.


  • Get 1% off all your other purchases


The following categories are 5% of all shopping. These include furniture stores, electronics stores sporting goods stores and select clothing department stores), services (home utilities, cell phones providers and gym memberships) and entertainment (movie theatres, fast food, TV and internet streaming services).


Each quarter, you must select your 5% or 2% bonus category. You’ll only earn 1% back if you don’t.

Sign up bonus: $200 bonus for qualifying purchases of $1,000 within the first 120 day after account opening.

Additional benefits: Get 5% back on your prepaid airfares, hotels, and rental cars booked through U.S. Bank Rewards Travel Center.

APR: 0% Intro APR for 15 billing cycles on balance transfers and purchases, followed by the ongoing APR of 18.24%-28.54% Variable APR.

Compare it to the U.S. NerdWallet Exclusive: Bank Shopper Cash Rewards ™ Visa Signature(r), Card – NerdWallet Exclusive – The U.S. The U.S. Bank Cash+ (r) Visa Signature (r) Card is a little less than the cash-back rate that you can get with the U.S. NerdWallet Exclusive: The annual fee for Bank Shopper Cash Rewards ™ Visa Signature (r) Card is $0. The 5% categories are also more extensive. You can get more cash back at departmental stores than Macy’s. The U.S. is the best option if you don’t mind paying an annual fee or if you want more flexibility. The Bank Cash+(r), Visa Signature(r), Card wins, though it will need some maintenance regarding tracking bonus categories, spending caps, and quarterly spending caps.


Citi Custom Money(sm) card

Annual fee: $0.


  • Get 5% cash back up to $500 per billing cycle for top spending categories (see below), and then 1% after you reach the spending limit.


  • Get 1% off all your other purchases


The following categories are eligible for 5%: restaurants, gas stations and grocery stores.

Sign up bonus: $200 cash back when you spend $1500 in the first six months of your account opening. This bonus offer is fulfilled by 20,000 ThankYou(r), which can be used to redeem $200 cash back

APR: Purchases and Balance Transfers: 0% Intro APR for 15 Months, then 17.74%-27.74% Variable Annual Percentage.

Compare it to the U.S. NerdWallet Exclusive: Bank Shopper Cash Rewards ™ Visa Signature(r), Card – NerdWallet The $500 monthly spending limit to earn 5% cash amounts to $6,000 per annum, which is the same as the $1,500 quarterly spending cap for 6% merchants in the U.S. Bank Shopper Cash Rewards(tm) Visa Signature(r) Card – NerdWallet Exclusive. The Citi Custom Cash(sm), Card will give you $60 more cash back each year, provided you spend your earnings on high-earning merchants or categories. However, the Citi card’s annual fees are $0. The Citi Custom Cash(sm), Card has another benefit: you don’t need to choose categories. The highest cash-back rate will be earned if you spend the most money in a given month. You can also earn ThankYou points that you can redeem for travel.


Store Cards

The U.S. The U.S. This is how it compares to those merchants’ store card:


Amazon Prime Rewards Visa Signature Card

Amazon Prime Rewards Visa Signature Cards earn 5% cashback at Amazon.com and Whole Foods Market, 2% at gas stations and restaurants, and 1% on all other purchases. The annual fee for this card is $0 but you will need an Amazon Prime membership in order to receive it. This means that you’ll pay $139 annually. A Prime membership is not required to use the U.S. NerdWallet Exclusive: Bank Shopper Cash Rewards(tm), Visa Signature(r) card – NerdWallet


Target Redcard(tm), Credit Card

Target REDcard(tm), Credit Card: Get 5% off all Target in-store and online purchases You have an additional 30 days to return and exchange your items. Some Target purchases, including prescriptions, Target Optical eye examinations, Target gift cards, and prepaid cards, are not eligible for 5% back. There is no annual fee and no spending limit on the 5% discount. Target REDcard(tm), Credit Card: Loyal Target shoppers who spend over $7,200 annually will be rewarded with a Target REDcard(tm). The U.S. Credit Card is for you if you don’t spend as much or want to be able to switch merchants. NerdWallet Exclusive: Bank Shopper Cash Rewards ™ Visa Signature (r) Card


Capital One(r) Walmart Rewards(tm) Mastercard(r)

The Capital One(r), Walmart Rewards(tm), Mastercard(r), earns 5% cashback at Walmart.com, 2% back at Walmart restaurants, on travel and 1% on all other purchases. The card has no annual fee. However, in-store purchases earn only 2% back after the first 12 months. This could make you reconsider getting the U.S. NerdWallet Exclusive: If you shop at Walmart online, Bank Shopper Cash Rewards(tm), Visa Signature(r), Card – NerdWallet


A glance at the store card competition

There are 24 6%-back retailers that you can choose to receive a reward with the U.S. NerdWallet Exclusive: Many of these retailers offer $0-annual-fee store cards with rewards up to 5% back. Here’s a complete list:



Annual Fee


  • Get 5% off at Amazon.com or Whole Foods Market.

$0


  • Get 5% off your purchase at Best Buy


  • Get 3% back on gas purchases


  • Get 2% off your grocery and dining purchases


  • Get 1% off your everyday purchase.


This card is only available in stores and earns rewards at Best Buy. )

$0. (Another version, the My Best Buy Visa Gold comes with an annual fee $59. )


  • Get 5% Cash Back at Walmart.com including Pickup and Delivery


  • Get 2% Cash Back at Walmart, Fuel Stations, Restaurants and Travel.


  • Get 1% Cash Back on All Other Items


  • Get 5% back on IKEA(r), including Traemand installation services and TaskRabbit assembly.


  • Get 3% back on your grocery, utility and dining purchases


  • Get 1% back on all purchases you make with your IKEA Visa(r).


  • Get 5% off your in-store or Lowes.com purchase.


  • Get 5% off your Target.com and in-store purchases


  • Get 5% back on all Wayfair purchases


  • Get 3% back on grocery store rewards


  • Get 2% off your qualifying online orders


  • Get 1% off all your other purchases

This page shows the rates and fees for the Blue Cash Preferred(r), American Express Card.