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Card Comparison

Chase Freedom Flex vs U.S. BANK SHOPPER CASH REWARDS

Side-by-side comparison of fees, rewards, benefits, and transfer partners.

Chase Freedom Flex card art
Chase Ultimate Rewards
Chase Freedom Flex
Chase
More Info
U.S. BANK SHOPPER CASH REWARDS card art
U.S. Bank Cash Rewards
U.S. BANK SHOPPER CASH REWARDS
U.S. Bank
More Info
Annual Fee
No annual fee
$95/yr
Foreign Fees
None
3%
Signup Bonus
20,000 points
Spend $500 in 3 months
250 points
Spend $2,000 in 4 months
Top Earn Rates
  • Chase Travel 5x
  • Rotating Categories 5x
  • Dining 3x
  • Selected Retailers (2 chosen) 6x
  • Everyday Category (1 chosen) 3x
  • All Other Purchases 1.5x
Reward Type
miles
cashback
Key Credits
None
None
Transfer Partners
  • Virgin Atlantic Flying Club
  • Aer Lingus AerClub
  • Air Canada Aeroplan
  • British Airways Executive Club
  • Flying Blue
  • +9 more
Cash back only
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Common Questions: Chase Freedom Flex vs U.S. BANK SHOPPER CASH REWARDS

Is the Chase Freedom Flex or U.S. BANK SHOPPER CASH REWARDS better for dining?

Chase Freedom Flex earns 3x on dining; U.S. BANK SHOPPER CASH REWARDS has no dining bonus.

Which has the higher signup bonus in 2026?

Chase Freedom Flex currently offers 20,000 pts signup bonus (spend $500 in 3 months). U.S. BANK SHOPPER CASH REWARDS offers 250 pts signup bonus (spend $2,000 in 4 months). Chase Freedom Flex has the larger bonus.

Which card is better for international travel?

Chase Freedom Flex charges no foreign transaction fees — the better pick for international use. U.S. BANK SHOPPER CASH REWARDS charges 3% on foreign purchases.

Can I hold both the Chase Freedom Flex and the U.S. BANK SHOPPER CASH REWARDS?

In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. Chase Freedom Flex is from Chase and U.S. BANK SHOPPER CASH REWARDS is from U.S. Bank, so they're governed by separate bank policies.