Credit card rewards are often bigger than they seem. It’s difficult to choose between the U.S. NerdWallet Exclusive: Bank Shopper Cash Rewards ™ Visa Signature(r), Card Bank Cash+(r) Visa Signature(r) Card.

The U.S. The U.S. The annual fee is $0 for the first year and then $95.

The U.S. The U.S. It charges no annual fee.

Both cards offer customizable reward . They are designed for optimizers who are comfortable actively managing their card.

The U.S. The U.S. Bank Cash+(r) Visa Signature(r) Card. These 6% retailers, both in-store and online, may be where you spend the most. They include Walmart, Target, Amazon.com and Home Depot. This could make it easier for you to track your rewards and maximize them.


How to choose the right card for you.



A glance



U.S. Bank Shopper Cash Rewards(tm) Visa Signature(r) Card – NerdWallet Exclusive


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


Full card details and link to application:


Full card details and link to application:


Annual Fee

$0 Intro for the first year. $95.


Sign up bonus


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


$200 bonus for spending $1,000 on eligible purchases within the first 120 day of account opening.


  • Get 6% cashback on your first $1500 in eligible combined purchases at two retailers of your choice (from a 24-member list; see below for complete list).


  • Get 3% Cash Back on Your First $1,500 In Eligible Purchases Each Quarter in the One Daily Category You Choose.


  • Get 5.5% Cash Back on Prepaid Car and Hotel Reservations made directly through the Rewards Travel Centre.


  • 1.5% Cash Back on All Other Eligible Purchases


  • Get a 5% cashback on your first $2,000 of eligible net purchases in the next quarter. You can choose from two categories (from a 12-page list); see below for more details.


  • Get 2% cashback in any category you choose.


  • Get 5% Cash Back on Prepaid Air, Hotel and Car Reservations made directly through the Rewards Travel Centre.


  • Get 1% Cash Back on All Other Eligible Net Purchases

The current APR is 18.24%-28.54% Variable APR .

0% intro rate for 15 billing cycles on balance transfers and purchases, then continue APR of 18.24%-28.54% Variable APR .


Foreign transaction fee


2% to 3%, depending on the currency.



Reasons to choose the U.S. Bank Shopper Visa Signature(r), Cash Rewards(tm), Card – NerdWallet Exclusive



This card offers a wide range of bonus-earning merchants that can help you maximize your rewards throughout the year.


Get 6% Cash Back at the World’s Largest Retailers

Purchase a new Apple laptop? You can update your home with products from Lowe’s and Home Depot. Ikea furniture? These are expensive purchases. You can get a cool $360 per year by maximising the U.S. quarterly spending cap of $1,500 Bank Shopper Cash Rewards(tm) Visa Signature(r) Card – NerdWallet Exclusive.


You can rotate between merchants every quarter, which will help you plan around your spending. You might be planning to visit a Disney Park in the summer or looking for entertainment systems from Best Buy during the holidays. Select the merchants you know about and plan to lock-in those rewards for three month.


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.


Useful 3% everyday category

Merchants on the 6% Cash-back List can also earn huge cash-back rewards. To earn 3% back up to $1500 per quarter, you can choose one category every day. This includes bills and utilities, wholesale clubs such as Sam’s Club or Costco, gas and electric vehicle charging stations, and utility bills. It’s relatively rare to have bills included in a bonus category, which U.S. Bank defines as home utilities, cell phone and TV/internet/streaming services.


1.5% off all other purchases

The U.S. The U.S. This solid base rate is much higher than what you will find on cards with rotating bonus category, making it a card you can reach for often.


Rich sign-up bonus

The U.S. The U.S. Offers from Bank Cash+ (r) Visa Signature(r).



The U.S. Bank cash+ card might be right for you


The U.S. The U.S. Cash+(r), Visa Signature(r), Card allows you to earn high rewards rates in broad categories and not at certain merchants. There is no annual fee.


Flexible bonus categories

The U.S. The U.S. Bank Cash+(r), Visa Signature(r), Card allows you to choose two 5% bonus categories out of a 12-quarterly list. This gives you more freedom to shop wherever you like.


It’s time to update your wardrobe. You don’t have to stick with just a handful of options. Instead, you can choose “department shops” and “select clothes stores” as your bonus categories for a quarter. This will give you 5% back on all purchases up to $2,000 for the three months at more than 25 retailers including Macy’s and Old Navy, Aeropostale and Saks Fifth Avenue.


Maybe you are a fan of the latest tech and gadgets. You’d be eligible for the 5% rate (upto the quarterly spending limit) at more than 15 well-known merchants like Apple, Best Buy, and Bose if you select “electronics shops” as your quarterly bonus category.


Full List of 5% Categories


  • Fast Food.


  • Home utilities.


  • Internet, TV and streaming.


  • Department stores.


  • Mobile phone providers.


  • Electronics stores.


  • Sports goods stores.


  • Movie theatres.


  • Gyms/fitness centers.


  • Furniture stores.


  • Ground transport.


  • Choose clothing stores.


No annual fee, spending cap higher

The U.S. The U.S. Bank Cash+ (r) Visa Signature(r), Card offers 5% rebate on combined spending up to $2,000 per quarter in the two bonus categories that you choose. If you maximize this cap, you can get up to $400 per year in these categories with the U.S. Bank cash+ card.

There is no annual fee and the cash back stays in your pockets. As an example, you could earn $360 per the year by reaching the U.S. 6% quarterly spending limit. NerdWallet Exclusive – Bank Shopper Cash Rewards(tm), Visa Signature(r), Card – NerdWallet — but with the $95 annual fee.


Get better food

You can choose one more everyday category each quarter to earn 2% with no spending caps. These categories include restaurants, grocery stores, gas stations, and EV charging station. The U.S. People who have large grocery bills and frequent dining out may find Bank Cash+(r), Visa Signature(r), Card more valuable.

Tip

This exception would only apply if you shop mainly at big-box stores such as Walmart and Target. The U.S. The U.S. Bank Shopper Cash Rewards ™ Visa Signature Card – NerdWallet exclusive might be a better option.



Which card do you want?


The U.S. NerdWallet Exclusive: Bank Shopper Cash Rewards ™ Visa Signature(r), Card Cardholders with Bank Cash+ (r) Visa Signature (r) Card receive similar value if they can maximize their quarterly bonus earnings.

The U.S. The U.S. It might take more maintenance if your spending is spread across many merchants over the year. Many people will find the ability to earn 3% in everyday categories attractive.

The U.S. The U.S. Bank Cash+ (r) Visa Signature(r), Card is for those who value flexibility. The card has bonus categories rather than single bonus merchants. This allows you to shop around for the best deals and will allow you to find them. There is no annual fee so you don’t have to worry about whether you are earning enough rewards.