Editorial disclosure: CardRewards.ai is an independent comparison service. Our analysis is based on publicly available card data and is reviewed regularly by our editorial team. Card issuers do not influence our rankings or content. Last updated: June 2026.
The U.S. Bank Cash+® Visa Signature® Card ($0/yr) is better for everyday value, while the Chase Sapphire Preferred Card ($95/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.
Annual Fee
Welcome Bonus
| Category | Chase Sapphire Preferred Card | U.S. Bank Cash+® Visa Signature® Card |
|---|---|---|
| Department Stores | 1X | 5X |
The U.S. Bank Cash+® Visa Signature® Card wins in 10 of 14 categories. The Chase Sapphire Preferred Card leads in 4.
Dining
Chase Sapphire Preferred Card earns 3X vs 2X
Streaming
U.S. Bank Cash+® Visa Signature® Card earns 5X vs 3X
Online Groceries
Chase Sapphire Preferred Card earns 3X vs 1X
Grocery Delivery
Chase Sapphire Preferred Card earns 3X vs 1X
Travel
Chase Sapphire Preferred Card earns 2X vs 1X
Telecom
U.S. Bank Cash+® Visa Signature® Card earns 5X vs 1X
Entertainment
U.S. Bank Cash+® Visa Signature® Card earns 5X vs 1X
Transit
U.S. Bank Cash+® Visa Signature® Card earns 5X vs 1X
Fitness & Gyms
U.S. Bank Cash+® Visa Signature® Card earns 5X vs 1X
The U.S. Bank Cash+® Visa Signature® Card has a lower annual fee ($0 vs $95), making it the more accessible option.
The Chase Sapphire Preferred Card justifies its higher fee with premium perks like travel credits.
Choose the U.S. Bank Cash+® Visa Signature® Card if you want solid rewards with a lower cost of entry. Choose the Chase Sapphire Preferred Card if you travel frequently and can maximize its premium benefits.
Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: June 2026.
The U.S. Bank Cash+® Visa Signature® Card ($0/yr) is better for everyday value, while the Chase Sapphire Preferred Card ($95/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.
Annual Fee
Welcome Bonus
| Category | Chase Sapphire Preferred Card | U.S. Bank Cash+® Visa Signature® Card |
|---|---|---|
| Department Stores | 1X | 5X |
The U.S. Bank Cash+® Visa Signature® Card wins in 10 of 14 categories. The Chase Sapphire Preferred Card leads in 4.
Dining
Chase Sapphire Preferred Card earns 3X vs 2X
Streaming
U.S. Bank Cash+® Visa Signature® Card earns 5X vs 3X
Online Groceries
Chase Sapphire Preferred Card earns 3X vs 1X
Grocery Delivery
Chase Sapphire Preferred Card earns 3X vs 1X
Travel
Chase Sapphire Preferred Card earns 2X vs 1X
Telecom
U.S. Bank Cash+® Visa Signature® Card earns 5X vs 1X
Entertainment
U.S. Bank Cash+® Visa Signature® Card earns 5X vs 1X
Transit
U.S. Bank Cash+® Visa Signature® Card earns 5X vs 1X
Fitness & Gyms
U.S. Bank Cash+® Visa Signature® Card earns 5X vs 1X
The U.S. Bank Cash+® Visa Signature® Card has a lower annual fee ($0 vs $95), making it the more accessible option.
The Chase Sapphire Preferred Card justifies its higher fee with premium perks like travel credits.
Choose the U.S. Bank Cash+® Visa Signature® Card if you want solid rewards with a lower cost of entry. Choose the Chase Sapphire Preferred Card if you travel frequently and can maximize its premium benefits.
Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: June 2026.
The U.S. Bank Cash+® Visa Signature® Card ($0/yr) is better for everyday value, while the Chase Sapphire Preferred Card ($95/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.
Annual Fee
Welcome Bonus
| Category | Chase Sapphire Preferred Card | U.S. Bank Cash+® Visa Signature® Card |
|---|---|---|
| Department Stores | 1X | 5X |
The U.S. Bank Cash+® Visa Signature® Card wins in 10 of 14 categories. The Chase Sapphire Preferred Card leads in 4.
Dining
Chase Sapphire Preferred Card earns 3X vs 2X
Streaming
U.S. Bank Cash+® Visa Signature® Card earns 5X vs 3X
Online Groceries
Chase Sapphire Preferred Card earns 3X vs 1X
Grocery Delivery
Chase Sapphire Preferred Card earns 3X vs 1X
Travel
Chase Sapphire Preferred Card earns 2X vs 1X
Telecom
U.S. Bank Cash+® Visa Signature® Card earns 5X vs 1X
Entertainment
U.S. Bank Cash+® Visa Signature® Card earns 5X vs 1X
Transit
U.S. Bank Cash+® Visa Signature® Card earns 5X vs 1X
Fitness & Gyms
U.S. Bank Cash+® Visa Signature® Card earns 5X vs 1X
The U.S. Bank Cash+® Visa Signature® Card has a lower annual fee ($0 vs $95), making it the more accessible option.
The Chase Sapphire Preferred Card justifies its higher fee with premium perks like travel credits.
Choose the U.S. Bank Cash+® Visa Signature® Card if you want solid rewards with a lower cost of entry. Choose the Chase Sapphire Preferred Card if you travel frequently and can maximize its premium benefits.
Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: June 2026.
| Electronic Stores | 1X | 5X |
| Entertainment | 1X | 5X |
| Fitness & Gyms | 1X | 5X |
| Home Improvement | 1X | 5X |
| Streaming | 3X | 5X |
| Telecom | 1X | 5X |
| Transit | 1X | 5X |
| Dining | 3X | 2X |
| Grocery Delivery | 3X | 1X |
| Online Groceries | 3X | 1X |
| Gas Stations | 1X | 2X |
| Grocery Stores | 1X | 2X |
| Travel | 2X | 1X |
| Everything Else | 1X | 1X |
Network
Key Benefits
Pros
Cons
Department Stores
U.S. Bank Cash+® Visa Signature® Card earns 5X vs 1X
Electronic Stores
U.S. Bank Cash+® Visa Signature® Card earns 5X vs 1X
Home Improvement
U.S. Bank Cash+® Visa Signature® Card earns 5X vs 1X
Gas Stations
U.S. Bank Cash+® Visa Signature® Card earns 2X vs 1X
Grocery Stores
U.S. Bank Cash+® Visa Signature® Card earns 2X vs 1X
The Chase Sapphire Preferred Card costs $95/yr — that's $95 more than the U.S. Bank Cash+® Visa Signature® Card (no annual fee). To justify that gap, you need to extract at least $95 in annual value from the card's higher earn rates and benefits.
The Chase Sapphire Preferred Card offers travel credits. Whether that justifies the fee depends on how often you use these benefits.
Bottom line: The $95 difference is small enough that the Chase Sapphire Preferred Card's extra perks make it worth considering for most cardholders.
Choosing one card means missing out on these benefits from the other.
Choosing U.S. Bank Cash+® Visa Signature® Card means losing:
Get the Chase Sapphire Preferred Card if you:
Get the U.S. Bank Cash+® Visa Signature® Card if you:
| Electronic Stores | 1X | 5X |
| Entertainment | 1X | 5X |
| Fitness & Gyms | 1X | 5X |
| Home Improvement | 1X | 5X |
| Streaming | 3X | 5X |
| Telecom | 1X | 5X |
| Transit | 1X | 5X |
| Dining | 3X | 2X |
| Grocery Delivery | 3X | 1X |
| Online Groceries | 3X | 1X |
| Gas Stations | 1X | 2X |
| Grocery Stores | 1X | 2X |
| Travel | 2X | 1X |
| Everything Else | 1X | 1X |
Network
Key Benefits
Pros
Cons
Department Stores
U.S. Bank Cash+® Visa Signature® Card earns 5X vs 1X
Electronic Stores
U.S. Bank Cash+® Visa Signature® Card earns 5X vs 1X
Home Improvement
U.S. Bank Cash+® Visa Signature® Card earns 5X vs 1X
Gas Stations
U.S. Bank Cash+® Visa Signature® Card earns 2X vs 1X
Grocery Stores
U.S. Bank Cash+® Visa Signature® Card earns 2X vs 1X
The Chase Sapphire Preferred Card costs $95/yr — that's $95 more than the U.S. Bank Cash+® Visa Signature® Card (no annual fee). To justify that gap, you need to extract at least $95 in annual value from the card's higher earn rates and benefits.
The Chase Sapphire Preferred Card offers travel credits. Whether that justifies the fee depends on how often you use these benefits.
Bottom line: The $95 difference is small enough that the Chase Sapphire Preferred Card's extra perks make it worth considering for most cardholders.
Choosing one card means missing out on these benefits from the other.
Choosing U.S. Bank Cash+® Visa Signature® Card means losing:
Get the Chase Sapphire Preferred Card if you:
Get the U.S. Bank Cash+® Visa Signature® Card if you:
| Electronic Stores | 1X | 5X |
| Entertainment | 1X | 5X |
| Fitness & Gyms | 1X | 5X |
| Home Improvement | 1X | 5X |
| Streaming | 3X | 5X |
| Telecom | 1X | 5X |
| Transit | 1X | 5X |
| Dining | 3X | 2X |
| Grocery Delivery | 3X | 1X |
| Online Groceries | 3X | 1X |
| Gas Stations | 1X | 2X |
| Grocery Stores | 1X | 2X |
| Travel | 2X | 1X |
| Everything Else | 1X | 1X |
Network
Key Benefits
Pros
Cons
Department Stores
U.S. Bank Cash+® Visa Signature® Card earns 5X vs 1X
Electronic Stores
U.S. Bank Cash+® Visa Signature® Card earns 5X vs 1X
Home Improvement
U.S. Bank Cash+® Visa Signature® Card earns 5X vs 1X
Gas Stations
U.S. Bank Cash+® Visa Signature® Card earns 2X vs 1X
Grocery Stores
U.S. Bank Cash+® Visa Signature® Card earns 2X vs 1X
The Chase Sapphire Preferred Card costs $95/yr — that's $95 more than the U.S. Bank Cash+® Visa Signature® Card (no annual fee). To justify that gap, you need to extract at least $95 in annual value from the card's higher earn rates and benefits.
The Chase Sapphire Preferred Card offers travel credits. Whether that justifies the fee depends on how often you use these benefits.
Bottom line: The $95 difference is small enough that the Chase Sapphire Preferred Card's extra perks make it worth considering for most cardholders.
Choosing one card means missing out on these benefits from the other.
Choosing U.S. Bank Cash+® Visa Signature® Card means losing:
Get the Chase Sapphire Preferred Card if you:
Get the U.S. Bank Cash+® Visa Signature® Card if you: