U.S. Bank Shopper Cash Rewards™ Visa Signature®
The U.S. Bank Shopper Cash Rewards™ Visa Signature® from U.S. Bank earns up to 1.5% effective value on dining in Madeen's catalog snapshot. Its annual fee is $95. New applicants may see: Earn a $300 bonus after you spend $2,000 in eligible purchases within the first 120 days of account opening.. Madeen compares this card against the cards you already carry — no bank login required.
- Top category
- Dining
- Effective value
- 1.5%
- Annual fee
- $95
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Madeen compares public issuer terms with its card-rule catalog. Issuer pages control rewards, fees, benefits, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice.
What does the U.S. Bank Shopper Cash Rewards™ Visa Signature earn in each category?
Dining is the strongest category at 1.5% effective value (1.5% back). That dining rate ranks higher than about 35% of the 2,850 cards we track in that category. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Dining is the strongest category at 1.5% effective value (1.5% back). That dining rate ranks higher than about 35% of the 2,850 cards we track in that category.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 1.5% back | 1.5% Top category |
| Grocery Supermarkets and grocery stores | 1.5% back | 1.5% |
| Gas Gas stations and fuel | 1.5% back | 1.5% |
| Travel Flights, hotels, transit | 1.5% back | 1.5% |
| Other General everyday spend | 1.5% back | 1.5% |
Madeen values cash back at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
Who should get the U.S. Bank Shopper Cash Rewards™ Visa Signature?
The U.S. Bank Shopper Cash Rewards™ Visa Signature fits spenders who put meaningful volume in dining and can earn 1.5% back. Best for spenders who put meaningful volume in dining and can earn 1.5% back. The welcome bonus can help if you can meet the spend requirement.
U.S. Bank Shopper Cash Rewards™ Visa Signature fits spenders who put meaningful volume in dining and can earn 1.5% back. Madeen ranks its dining effective rate higher than about 35% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 1.5% back. The welcome bonus can help if you can meet the spend requirement.
Less compelling if the $95 annual fee is hard to offset. Foreign transaction fees make it weaker for international spend. Mostly a flat base earn card without strong category bonuses.
Best for dining-heavy spend when the $95 fee fits your usage; confirm issuer terms before applying. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Pros
- Strongest Madeen category is dining at about 1.5% effective (1.5% back).
- Welcome bonus may add value if you can meet spend requirements.
Cons
- $95 annual fee requires enough spend in bonus categories to offset.
- Charges $3 foreign transaction fees.
What is the U.S. Bank Shopper Cash Rewards™ Visa Signature welcome bonus?
In Madeen's catalog snapshot, the U.S. Bank Shopper Cash Rewards™ Visa Signature welcome offer is Earn a $300 bonus after you spend $2,000 in eligible purchases within the first 120 days of account opening.. Minimum spend, eligibility, and offer windows are set by the issuer and can change — confirm on the issuer application page before applying.
- Offer
- $300
- Terms (catalog snapshot)
- Earn a $300 bonus after you spend $2,000 in eligible purchases within the first 120 days of account opening. First-year annual fee waived.
- Minimum spend
- $2,000
- Window
- 120Days
Does the U.S. Bank Shopper Cash Rewards™ Visa Signature have an annual fee?
The U.S. Bank Shopper Cash Rewards™ Visa Signature has an annual fee of $95 and a foreign transaction fee of $3. Issuer pages control fees and offers; Madeen labels this as catalog analysis, not issuer-confirmed terms. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- Annual fee
- $95
- Foreign transaction fee
- $3
What benefits come with the U.S. Bank Shopper Cash Rewards™ Visa Signature?
The U.S. Bank Shopper Cash Rewards™ Visa Signature includes Booking.com, Dovly Uplift™, Global Entry Statement Credit in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Sofar Sounds
$240/yrEnjoy a free ticket per show with the purchase of one or more tickets, plus you can access 7-day Visa Exclusive Presale opportunities.
Global Entry Statement Credit
$120/yrApply for Global Entry, a U.S. Customs and Border Protection program and use your Visa Signature card to pay the application fee (currently $120) to receive a $120 statement credit.
OpenTable
$120/yrEligible Visa cardholders can enjoy special events access to the hottest dining events on OpenTable. Restrictions apply.
Priority Pass airport lounge access
$99/yrEnjoy access to over 1,700 airport lounges and experiences around the globe.
Golf Benefits from Troon Rewards®
$10/yrEnjoy automatic Silver Status when you sign up for Troon Rewards®, for 10% savings on golf fees, merchandise and lessons at over 150 golf courses across the United States and the world.
Roadside Dispatch®
$10/yrThis is a pay-per-use roadside assistance program available 24x7. Roadside Dispatch will ask for your location, find out what the problem is, and will remain on the phone with you while arranging a dispatch to a reliable tow operator or locksmith. You pay a set price per service call.
Stay connected in over 175 countries
$10/yrEligible Visa cardholders can now use the GigSky app to access complimentary or discounted global mobile data, in 175+ countries and destinations worldwide as well as on over 200 of the world’s top cruise ships.
Travel and Emergency Assistance Services
$10/yrWhen you are traveling or working anywhere in the world, your covered Visa card gets you access to a multilingual call center 24 hours a day, 365 days a year to help get the assistance you need. As a covered cardholder, you, your spouse and dependent children under 22 years of age who are traveling with can call a dedicated toll-free number in the United States, or call collect when traveling abroad.
Universal Destinations & Experiences
$10/yrGet exciting benefits at Universal Studios Hollywood and Universal Orlando Resort when you pay with your Visa Signature® or Visa Infinite® card.
Visa Signature Concierge
$10/yrGet assistance with travel planning, entertainment tickets and more.
Visa Signature Luxury Hotel Collection
$10/yrEnjoy special guest status at 900+ Visa Signature Luxury Hotel properties worldwide.
Visa Signature Rental Car Privileges
$10/yrBook your next road trip with your Visa Signature card to receive up to 25% off base rates on qualifying rentals from Avis and Budget. Your card can also unlock complimentary upgrades (when available), waived Additional Driver Fee and 10% saving on XM Satellite radio during rental.
Related encyclopedia topics
- Cash Back
- Visa
- Shopping and dining network perks
- Credit score monitoring
- Global Entry / TSA PreCheck credit
- Golf Benefits from Troon Rewards
- Dining credit
- Priority Pass lounge access
- Roadside Dispatch
- Streaming or digital credit
- Stay connected in over 175 countries
- Travel and Emergency Assistance Services
Common questions about the U.S. Bank Shopper Cash Rewards™ Visa Signature
Does the U.S. Bank Shopper Cash Rewards™ Visa Signature have an annual fee?
The U.S. Bank Shopper Cash Rewards™ Visa Signature carries an annual fee of $95 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the U.S. Bank Shopper Cash Rewards™ Visa Signature?
Dining is the strongest Madeen category for the U.S. Bank Shopper Cash Rewards™ Visa Signature at about 1.5% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the U.S. Bank Shopper Cash Rewards™ Visa Signature charge foreign transaction fees?
The U.S. Bank Shopper Cash Rewards™ Visa Signature charges a foreign transaction fee of $3 in our catalog snapshot. Check issuer terms before international spend because rates and fee waivers can change. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What is the U.S. Bank Shopper Cash Rewards™ Visa Signature welcome bonus?
The U.S. Bank Shopper Cash Rewards™ Visa Signature welcome offer in our snapshot: Earn a $300 bonus after you spend $2,000 in eligible purchases within the first 120 days of account opening.. Minimum spend, eligibility, and offer windows are set by the issuer and can change.
Is the U.S. Bank Shopper Cash Rewards™ Visa Signature annual fee worth it?
Whether the $95 annual fee pays off depends on how much you spend in dining and whether you use the card's benefits. Madeen compares effective rates across the cards you already carry without bank login. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What credit score do you need for the U.S. Bank Shopper Cash Rewards™ Visa Signature?
Madeen's catalog lists a typical credit range of Good to Excellent for the U.S. Bank Shopper Cash Rewards™ Visa Signature. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How does the U.S. Bank Shopper Cash Rewards™ Visa Signature compare to similar cards?
Compare the U.S. Bank Shopper Cash Rewards™ Visa Signature against U.S. Bank Altitude Go Visa Signature (4% on Dining, $0 fee); SKYPASS Select Visa Signature (3.2% on Dining, $450 fee); SKYPASS Visa Signature (3.2% on Dining, $99 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
U.S. Bank Shopper Cash Rewards™ Visa Signature This card | Dining | 1.5% | $95 |
U.S. Bank | Dining | 4% | $0 |
| Dining | 3.2% | $450 | |
| Dining | 3.2% | $99 | |
U.S. Bank | Dining | 3.2% | $99 |
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