Whether you want to shop for furniture online or in person, the U.S. Bank Shopper Cash Rewards® Visa Signature® Card* gives you that flexibility. What’s more, the card offers an excellent rewards rate on purchases with two eligible retailers of your choice. Some of the options include Amazon, Home Depot, Lowe’s, Target, Walmart, Wayfair and Williams Sonoma, and you can change your two retailers each quarter.
Rewards: Earn 6% cash back each quarter on combined eligible 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 offer: Earn $250 after spending $2,000 in eligible purchases within the first 120 days of account opening.
Annual fee: $0 intro annual fee for the first year, then $95
Other benefits and drawbacks: Unlike the other cash-back credit cards on our list, this one doesn’t offer an introductory 0% APR promotion. However, you can enjoy a slightly higher welcome bonus.
Note that the card’s high rewards rate is capped at $1,500 in quarterly spending. It’s also the other card on our list that charges an annual fee, though you will get a break the first year.