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CardCurator — Rewards Intelligence
Card Comparison

TD Cash Credit Card vs U.S. BANK SHOPPER CASH REWARDS

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

TD Cash Credit Card card art
TD Bank Cash Back
TD Cash Credit Card
TD Bank
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
3%
3%
Signup Bonus
20,000 points
Spend $1,000 in 3 months
250 points
Spend $2,000 in 4 months
Top Earn Rates
  • One of these categories: Dining, Entertainment, Gas Stations, Grocery Stores and Travel 3x
  • One of these categories: Dining, Entertainment, Gas Stations, Grocery Stores and Travel 2x
  • All Other Purchases 1x
  • Selected Retailers (2 chosen) 6x
  • Everyday Category (1 chosen) 3x
  • All Other Purchases 1.5x
Reward Type
cashback
cashback
Key Credits
None
None
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Common Questions: TD Cash Credit Card vs U.S. BANK SHOPPER CASH REWARDS

Is the TD Cash Credit Card or U.S. BANK SHOPPER CASH REWARDS better for dining?

TD Cash Credit Card earns 3x on dining; U.S. BANK SHOPPER CASH REWARDS has no dining bonus.

Which has the higher signup bonus in 2026?

TD Cash Credit Card currently offers 20,000 pts signup bonus (spend $1,000 in 3 months). U.S. BANK SHOPPER CASH REWARDS offers 250 pts signup bonus (spend $2,000 in 4 months). U.S. BANK SHOPPER CASH REWARDS has the larger bonus.

Which card is better for international travel?

Both cards charge foreign transaction fees (TD Cash Credit Card: 3%, U.S. BANK SHOPPER CASH REWARDS: 3%). Consider a no-foreign-fee card for international travel.

Can I hold both the TD Cash Credit Card 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. TD Cash Credit Card is from TD Bank and U.S. BANK SHOPPER CASH REWARDS is from U.S. Bank, so they're governed by separate bank policies.