U.S. Bank Shopper Cash Rewards Visa Signature Card vs Gold Rewards Card

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

Snapshot

	U.S. Bank Shopper Cash Rewards Visa Signature Card	Gold Rewards Card
Issuer	U.S. Bank	American Express
Network	Visa	American Express
Card Material	Plastic	Metal
Annual Fee	$95.00	$325.00
Base Rate	1.50%	1.00%
Travel Rewards	5.50x	3.00x
Auth. User Fee	$0.00	$35.00
Foreign Txn Fee	3%	0%
Lifecycle	Available	Available

Welcome Offer

Bonus	None	None
Spend Requirement	—	—
Timeline	—	—

Rewards Breakdown

Base Rate	1.5% (base)	1.0% (base)
Two retailers you choose (up to $1,500/quarter)	6.0%	1.0% (base)
Prepaid car and hotel reservations via Rewards Center	5.5%	1.0% (base)
One everyday category you choose (up to $1,500/quarter)	3.0%	1.0% (base)
Hotels	1.5% (base)	5.0%
Restaurants	1.5% (base)	4.0%
Supermarkets	1.5% (base)	4.0%
Airline	1.5% (base)	3.0%
Resy	1.5% (base)	4.0%
Dunkin'	1.5% (base)	4.0%
Uber	1.5% (base)	1.0%
Grubhub	1.5% (base)	4.0%
Anniversary Bonus	None	None
Portal Boost	1x	1x

Benefits & Partners

Transfer Partners	None	20 partners
Annual Credits	None	None

Transfer Partners

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1:1

Pricing Details

Purchase APR	19.49% - 29.49%	12.74% - 21.74%
Cash Advance APR	29.99%	28.74%
Penalty APR	N/A	29.99%
Late Fee	$41	$40
Balance Transfer Fee	undefined% (min $0)	N/A

Insurance & Protections

Auto Rental	Secondary	✓
Baggage Delay	—	—
Baggage Loss	—	✓
Cell Phone Protection	—	—
Extended Warranty	—	✓
Purchase Protection	—	90 days
Return Protection	—	—
Roadside Dispatch	—	—
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