U.S. Bank discontinued the Shopper Cash Rewards. Here's what replaces it — often with no fee.

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The natural in-house swap — and it drops the $95 fee.

Same issuer, no annual fee. You pick two 5% categories each quarter (on up to $2,000 in combined purchases), including options like department stores and electronics stores, plus 2% on one everyday category and 1% on everything else. A percent lower than the Shopper Cash's 6% headline, but with no fee to earn back it comes out ahead for most spenders.

Best if your 6% was concentrated at one retailer.

If most of your Shopper Cash spend went to a single store, that store's own co-branded card often earns 5% there with no annual fee — for example the Prime Visa (5% at Amazon and Whole Foods) or the Target RedCard (5% at Target). A slightly lower rate than 6%, but no fee and no quarterly cap juggling.

The simplest strict upgrade on the base rate.

Flat 2% on everything, no annual fee, nothing to select. The Shopper Cash only paid 1.5% outside its two chosen retailers, so if your spending wasn't heavily concentrated, a flat 2% no-fee card earns more overall and removes the $95 drag entirely.

Your 6% went mostly to one store

→ That store's co-branded card

A single-retailer card (Amazon, Target, etc.) usually pays 5% there with no fee — close to the 6% you lost, minus the annual cost.

You shopped across department & electronics stores

→ U.S. Bank Cash+

Put your two 5% categories on department stores and electronics stores. No fee, same issuer, easy migration.

You spend a lot online, across many retailers

→ Bank of America Customized Cash Rewards

3% on one category you choose (online shopping is an option) plus 2% at grocery stores and wholesale clubs, with no annual fee.

You just want simple, no caps to track

→ Wells Fargo Active Cash / Citi Double Cash

Flat 2% on everything, no annual fee — beats the Shopper Cash's 1.5% base and removes the $95 fee.

Is the U.S. Bank Shopper Cash Rewards discontinued?

U.S. Bank closed the Shopper Cash Rewards to new applications on June 22, 2026. It has not been cancelled for people who already hold it — existing cardholders keep the card and its rewards for now.

Did U.S. Bank move me to a different card?

No. U.S. Bank did not automatically migrate existing Shopper Cash holders to another card. You keep the Shopper Cash, but there's no upgraded replacement waiting for you — so it's worth actively picking a better card, especially since most alternatives don't charge the $95 annual fee.

Was the $95 annual fee actually worth it?

Only if you had heavy, concentrated spending at your two chosen 6% retailers. At 6%, the fee took roughly $1,600 of annual spend at those retailers just to break even against a no-fee 2% card. If your spend was more spread out, a no-fee card almost certainly earns you more now.

What's the best card to replace the Shopper Cash?

It depends on where your 6% actually went. If it was one store, that store's own card is usually the closest swap; if it was spread across department and electronics stores, the no-fee U.S. Bank Cash+ is the natural move. The fastest way to know is to compare cards against your real spending.

Is the U.S. Bank Shopper Cash Rewards still available?

No. U.S. Bank closed the Shopper Cash Rewards to new applications on June 22, 2026, so you can no longer apply for it. Existing cardholders still have it for now.

Why did U.S. Bank discontinue the Shopper Cash Rewards?

U.S. Bank hasn't publicly stated a reason. The Shopper Cash was a niche, fee-carrying card built around choosing specific retailers for 6%, and U.S. Bank pulled it from its lineup without naming a successor card.

Is the U.S. Bank Cash+ a good Shopper Cash replacement?

For most people, yes. The Cash+ is from the same issuer, charges no annual fee, and lets you pick two 5% categories — including department stores and electronics stores. It trades the Shopper Cash's 6% for 5%, but with no $95 fee to earn back it usually comes out ahead.