After the spending cap is met, your cash-back rate will fall. Spending caps on elevated rewards categories: You will only earn the higher cash-back rates for the first $1,500 spent in your chosen categories every quarter.Cash-back rewards categories must be updated every quarter: It takes some effort and foresight to know what categories to select in advance each quarter.Bank Shopper Cash Rewards card has an annual fee after the first year, so you’ll have to weigh whether the rewards you earn on the card are worth the fee. Annual fee after the first year: The U.S.Bank savings, checking or money market account. Bank Rewards Card or as a deposit into your U.S. Multiple options for cash-back rewards redemption: Redeem your rewards as a statement credit, a gift card, a U.S.Welcome bonus: The card offers a relatively easy-to-attain bonus for meeting the minimum spending requirement.Bank Shopper Cash Rewards card offers one of the highest cash-back rates for shopping at top U.S. High rewards rate on retail spending: The U.S.
Bank Shopper Cash Rewards card could earn a nice place in your wallet. If that doesn’t sound too taxing, the U.S. That said, you’ll have to be an active participant in making your cash-back selections every quarter, requiring you to think ahead of exactly where you’ll be concentrating your spending in the upcoming months. Granted, you have to narrow your retail selections to just two stores every quarter and your spending is capped at $1,500 to earn those high rewards, but few credit cards can beat that high rate of return for retail store purchases. Bank Shopper Cash Rewards card, which earns 6% cash back each quarter on combined purchases from two retailers of choice ($1,500 limit), 5.5% cash back on prepaid car and hotel reservations booked through the Rewards Center, 3% cash back each quarter in one everyday category of choice ($1,500 limit) and 1.5% cash back on everything else. It may be time to ditch your store credit cards in favor of the U.S. Recommended credit score: Good to excellent.Does the issuer offer a preapproval tool? No.Bank ExtendPay Plan, some Visa Signature benefits such as access to roadside dispatch, zero liability, extended warranty, purchase protection, return protection, travel and emergency assistance. Other perks and benefits: Pay over time for a small fee with the U.S.A balance transfer fee of either 3% of each transfer or $5 minimum, whichever is greater, applies. APR: 19.74% to 29.74% variable APR on purchases and balance transfers.Rewards: 6% cash back each quarter on combined purchases from two retailers of choice ($1,500 limit), 5.5% cash back on prepaid car and hotel reservations booked through the Rewards Center, 3% cash back each quarter in one everyday category of choice ($1,500 limit) and 1.5% cash back on everything else.Welcome bonus: $250 bonus after spending $2,000 in eligible purchases in the first 120 days of account opening.Annual fee: $0 intro annual fee for the first year, then $95.is ideal for those looking to maximize their cash back rewards on everyday spending, but you’ll have to select your bonus cash categories in advance each quarter. The card details on this page have not been reviewed or provided by the card issuer. Bank Shopper Cash Rewards® Visa Signature® Card has been collected independently by Blueprint. Bank Shopper Cash Rewards® Visa Signature® Card * The information for the U.S.
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