Introduction

The U.S. Bank Shopper Cash Rewards card just sweetened its offer with a $250 statement credit after you spend $2,000 in the first 120 days. Combined with the card's unique 6% cash back feature at two retailers of your choice, this card deserves a serious look if you're a frequent shopper at specific stores. While there's a $95 annual fee after the first year, the math works strongly in your favor.

Deal Details

Here's what makes this offer stand out: you'll earn a $250 statement credit after spending $2,000 within the first 120 days of account opening. That's a solid 12.5% return on your initial spending, and the $2,000 threshold is manageable for most households' regular expenses.

But the real value continues long after the bonus. You choose two retailers from a list that includes Amazon, Target, Costco, Walmart, Best Buy, Lowe's, and many others, and earn 6% cash back on all purchases at those stores (up to $1,500 per quarter at your two chosen retailers). Add in 3% back on your choice of gas stations, wholesale clubs, or utilities (also up to $1,500 quarterly), plus 1.5% on everything else, and you've got a card that pays above-average rewards.

The first year comes with no annual fee, then $95 per year after that. But if you max out the 6% categories each quarter, you'll earn $360 annually, easily offsetting the fee.

How to Take Advantage

Getting this bonus is straightforward:

1. Apply for the U.S. Bank Shopper Cash Rewards card
2. Spend $1,000 within 120 days of account opening
3. Receive your $200 statement credit automatically
4. Select your two 6% cash back retailers through your account

The 120-day window gives you plenty of time to hit the spending requirement naturally without forcing unnecessary purchases.

Why This Deal Matters

Most cash back cards offer 2-3% back in bonus categories. The 6% rate at retailers you actually shop at regularly puts this card in a different league. If you spend $500 monthly at your two chosen retailers, that's $360 in cash back annually, plus the $200 bonus upfront.

Compare that to a standard 2% cash back card earning $120 on the same spending, and the value becomes clear. The difference covers several months of groceries or a nice weekend getaway.

This card works especially well for anyone who has consistent spending at one or two major retailers. Amazon Prime members, Costco regulars, or Target enthusiasts can maximize the 6% category while still earning competitive rates elsewhere.

Conclusion

The $200 bonus makes this an easy win for new cardholders, but the ongoing 6% cash back at your choice of retailers is what makes the U.S. Bank Shopper Cash Rewards card worth keeping long-term. With no annual fee and above-average earning rates, it's a strong addition to any wallet for maximizing everyday spending.

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