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The US Bank Shopper cash rewards card offers 6% cash back at two merchants you choose each quarter. It is a great addition to the popular rotating category card line up that includes competitors like the Chase Freedom Flex and Citi Custom Cash.
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48 comments
Of the list of specific retailers, I only shop at three with any regularity. I already have 5% cash back cards on those three. The AF is not worth the extra 1%. I ain't a Rockefeller, y'know.
Ben, love this haircut on you!
There's $6000 cap spending and a mandate purchase requirement to pay for annual fees… why anyone get this card except for 6% cashback ?
TBH this card can potentially kill the Amex cash preferred. If you get groceries at Target and Wal-Mart and sun Amazon
Is it true US bank doesn’t like it if you’ve applied for a credit card in the past 12 months and might not accept you?
I signed up for it, 250 bonus and no AF first year. Plus this is the only card that doesnt exclude walmart and costco from higher earnings that I've seen. Already have the USBank cash+ for 5% utilities all year and no AF on that one.
That annual fee, kinda bait and switch for normal consumers that hold balances.
I wouldn't burn a 5/24 for it
I always think of some blue camoflauge when I see this card, It's a bit distracting. But earning extra back at Walmart and Target could be a pertty big deal for some people.
I hadn't heard about this one yet. And I just ordered an Amex and chase card this week after watching your videos. I'll be getting the US Bank one now to round them out. I'm doing an expansion on cards, so good to go.
The fact that it has a $95 annual fee was the deal breaker for me; and on top of that annual fee this card also has a foreign transaction fee which is also a no no for me. My next card from U.S Bank is going to be the “Altitude Go VISA Signature Card” which has no annual free nor does it have an foreign transaction fee.
Yep, it’s funny how I use Apple Pay or tap, and I get a “oh that’s nice comment “ I’m like this been around for years. You should see when I use the Apple Watch.
This card competes with the Amex Blue Cash Preferred card.
Can I repeat Walmart and amazon purchases every quarter?
As for then 3% can that be applied to Costco/Sam’s club gas?
Response to your title: an annual fee card won't be the end to a NO annual fee card
So I could choose walmart every quarter for 6x? If so it's a no Brainer even with the af. My freedom usually has atleast one quarter I don't use enough. Sure it's free but that takes that $300 yearly down fast.
95 af if you spend more than 1900$ at your top two. But Target and Amazon already has 5% cards
Not very attractive compare with chase, Amex, Citi or even C1. Reason, NO TRANSFER PARTNERS. it’s great for team cashback though
People who shop at wholesale clubs are better off with the US Bank Cash+ for Utilities and Phone service and Venmo Visa for wholsale clubs cause on the Venmo Visa the Grocery category includes wholesale clubs, good job venmo !
Wow! Did a light bulb or christmas tree light poop in your cereal as a kid. Such hate. I think it's cool.
95 annual fee is a deal breaker
Oooooh, shiny light in card. I apply now! Jokes aside, this is probably not a card I'll be adding to my wallet just yet with that $95 annual fee. If this card came with no annual fee it would be the store card killer in my opinion, but this kinda diminishes some of the value this card can get you right off the bat and unless you shop really often with these stores, it won't be super easy to get a lot of value. Especially compared to getting 5% on other store-specific cards. I'm also on team-travel so I'm not looking for cash back cards right now. This is all just my opinion though! Great video Ben!
Trim up those eyebrows my guy
I use contactless everywhere and I agree. I dont see people use it. I think many might not understand it or realize that basically all cards and terminals have it.
Gonna churn the bonus and hopefully I can PC down to a cash+ or something after the first year.
I think the "Shopper Cash Rewards" card is UGLY! While I admit that this card could be especially tempting in a few card setup, it is so ugly that I'm not sure I would want to carry it – much less pay $95 / year for the privilege to carry such an ugly card …
Hedges, thanks for sharing video game since eight years ago. But must break it down after this comment since tomrrow. So there's last thing. Well, much appreciate your channel 🙂
GTA6, Jason & Lucia. Jason looks like Ethan Mars' elder son Jason, even their appearance are similar. As if growning up then being new spotlight in GTA6(his voice actor is obviously). Lucia looks like Grace Mars via Jodie Holmes. The focus on former but couldn't deny latter. Only because there's funniest point by huge of huge interesting if you can get into more depth for understanding this. In fact, Jason was hugely inspired by Zhisheng Gao(高 智晟, Gao Zhisheng. When he became lawyer before). And Lucia was based on two women and they own very closing relationship with Gao:" Wife, Holly Geng(耿 格, Geng Ge). Daughter, Grace Geng(耿 和, Geng He)." If you don't believe it, please search their photos and compare anything what I expressed. Trust me, you'll get new bonus even more surprised than ever.
If Arthur Morgan's background is from the Chinese folk, even using Chinese transliteration on this basis to create RDR2. Then Jason's source is to directly extract one of the most representative & suitable from the ancient Chinese folk wisdom with adapt to now contemporary society. Why? Only because that's what it means for people like me to be alive all this time. Anyway, the mainstream of society and catering to feelings have already become a complete joke, and I can't find anything else worth living in today's human world other than Shen Yun performances.
PS: Break off to me, please!
Say hello to your wife and mother-in-law plus children! Let them take its essence with all you got for bring them being real people!
Dr.Q Huaong (Jagger Alliance 2)
Nicholas Kang Wilson(True Crime: Streets of LA)
Lian Xing (Syphon Filter: Dark Mirror)
Huang Lee (Grand Theft Auto: Chinatown Wars)
Xian, Mei (Dead Island & Riptide)
Wei Shen (Sleeping Dogs)
Morgan Yu (Prey, male & female)
Zhen Wei & /Wuying Ren (Shenmue III)
Tianyou Zhao (Yakuza 7: Like a Dragon)
Yingxia Li(Heaven Burns Red)
Lo Wang(Shadow Warrior series)
to past, living in future with only relating to Shen Yun. Bring your credit card and enjoying brand-new life as the wish 🙂
If it defaulted to 2% on everything instead of 1.5 would of been sweet
US Bank Cash+ electronics category covers Best Buy and Apple @ 5% cash back with no annual fee already. Target and Amazon both have free 5% cards. Chase Freedom and Discover It will typically get you 5% back at Walmart for two different quarters each year covering 6 months. With that annual fee this card requires too much spending to break even with all those 5% options.
Nope not with the $95 af.
Is it just cash back or earn US bank points ?
First time this guy has had a good hair day.. EVER! lol
"If you can't explain it simply, you don't understand it well enough." __Albert Einstein
$95 annual fee? And I’ll have to deal with US Bank? No thanks. I’ll take my free chase 5% back freedoms any day
If USBank is trying to compete with store cards, then just not that there are no Store cards (at least not that I’m aware of) that charge an annual fee. So… this is a no go for me at least.
Us bank is very strict on who they approve you have the best chance of you have an account with them
The citi custom cash is better imo bc of 0 annual fees
They can offer 6% cash back all they want. They can't transfer those points to TRANSFER PARTNERS. That's the one of the reasons why I left U.S. Bank to bank with Chase.
Not at $95 a year it won’t.
What a joke. Knew it was too good to be true. END the Chase Freedom? Yeah, right!
Yeah, the AF kills the value proposition for most users. Chances are the 3% category will be duplicated in any given quarter (with the possible exception of the "bills and utilities" category) by the categories on Chase Freedom/Freedom Flex, Discover It, or Bank of America Cash Rewards, none of which have an AF. 1.5% on all other purchases is irrelevant if you have a Citi Double Cash since you can use that for 2% back if no higher levels apply.
I suppose there might be some value here if you frequent the brands on the 6% list.
I like that Ben suddenly cares about his hair. I’m here just fir that
I mean… Now that I know that cards lighting up is a thing that exists, I want all of my cards to do it…. Might get this card just for that feature. lol
The US Bank Cash+ let's you choose Home Utilities as 1 of your 5% categories on up to $2,000 in quarterly spend with no annual fee
I was looking at this card since I already have a Cash+ and Altitude Go but at the moment I'm gardening so I'll pass for now but you could get this card keep it the year and if you're not getting positive value from it you can downgrade it to a Cash+ or like in my case a 2nd Cash+
Seems like a decent card for some people. Utilities as a bonus category is cool but personally, as someone on team travel, even without an annual fee I'd take 5x Chase UR points over 6% cash back any day.
My life has totally changed since I started with $ 8,000 and now I make $ 24,450 every 10days☺️