SchoolsFirst Inspire Mastercard vs U.S. Bank Shopper Cash Rewards Visa Signature Card

Side-by-side comparison of SchoolsFirst Inspire Mastercard and U.S. Bank Shopper Cash Rewards Visa Signature Card. Compare rewards, fees, APR, benefits, and transfer partners.

Snapshot

	SchoolsFirst Inspire Mastercard	U.S. Bank Shopper Cash Rewards Visa Signature Card
Issuer	SchoolsFirst FCU	U.S. Bank
Network	Mastercard	Visa
Card Material	Plastic	Plastic
Annual Fee	$0.00	$95.00
Base Rate	1.50%	1.50%
Travel Rewards	0.00x	5.50x
Auth. User Fee	$0.00	$0.00
Foreign Txn Fee	0%	3%
Lifecycle	Available	Available

Welcome Offer

Bonus	None	None
Spend Requirement	—	—
Timeline	—	—

Rewards Breakdown

Base Rate	1.5% (base)	1.5% (base)
Two retailers you choose (up to $1,500/quarter)	1.5% (base)	6.0%
Prepaid car and hotel reservations via Rewards Center	1.5% (base)	5.5%
One everyday category you choose (up to $1,500/quarter)	1.5% (base)	3.0%
Anniversary Bonus	None	None
Portal Boost	1x	1x

Benefits & Partners

Transfer Partners	None	None
Annual Credits	None	None

Transfer Partners

Pricing Details

Purchase APR	13.9% - 18%	19.49% - 29.49%
Cash Advance APR	18%	29.99%
Penalty APR	N/A	N/A
Late Fee	$15	$41
Balance Transfer Fee	N/A	undefined% (min $0)

Insurance & Protections

Auto Rental	Secondary	Secondary
Baggage Delay	—	—
Baggage Loss	—	—
Cell Phone Protection	—	—
Extended Warranty	—	—
Purchase Protection	—	—
Return Protection	—	—
Trip Cancellation Interruption	—	—
Trip Delay	—	—
Tsa Precheck Global Entry	—	—

Usability & Experience

Digital Wallet	N/A	N/A
Instant Card Number	—	—
Credit Bureaus	N/A	N/A

Strategy & Eligibility

Recommended Credit	N/A	N/A
Application Rules	Standard	Standard