Is the Chase Sapphire Preferred Card worth the higher annual fee?

The Chase Sapphire Preferred Card costs $95/yr vs $0/yr for the U.S. Bank Cash+® Visa Signature® Card. The higher fee and travel credits that can offset the cost for frequent travelers.

Which card earns more rewards, the Chase Sapphire Preferred Card or U.S. Bank Cash+® Visa Signature® Card?

The Chase Sapphire Preferred Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.

What benefits does the Chase Sapphire Preferred Card have that the U.S. Bank Cash+® Visa Signature® Card doesn't?

The Chase Sapphire Preferred Card offers travel credits. The U.S. Bank Cash+® Visa Signature® Card focuses more on earn rates than premium perks.

Should I get the Chase Sapphire Preferred Card or the U.S. Bank Cash+® Visa Signature® Card?

Choose the U.S. Bank Cash+® Visa Signature® Card if you want lower fees and solid rewards. Pick the Chase Sapphire Preferred Card if you spend enough to justify the $95/yr fee through its premium benefits and higher earn rates.

Is the Chase Sapphire Preferred Card worth the higher annual fee?

The Chase Sapphire Preferred Card costs $95/yr vs $0/yr for the U.S. Bank Cash+® Visa Signature® Card. The higher fee and travel credits that can offset the cost for frequent travelers.

Which card earns more rewards, the Chase Sapphire Preferred Card or U.S. Bank Cash+® Visa Signature® Card?

The Chase Sapphire Preferred Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.

What benefits does the Chase Sapphire Preferred Card have that the U.S. Bank Cash+® Visa Signature® Card doesn't?

The Chase Sapphire Preferred Card offers travel credits. The U.S. Bank Cash+® Visa Signature® Card focuses more on earn rates than premium perks.

Should I get the Chase Sapphire Preferred Card or the U.S. Bank Cash+® Visa Signature® Card?

Choose the U.S. Bank Cash+® Visa Signature® Card if you want lower fees and solid rewards. Pick the Chase Sapphire Preferred Card if you spend enough to justify the $95/yr fee through its premium benefits and higher earn rates.

Is the Chase Sapphire Preferred Card worth the higher annual fee?

The Chase Sapphire Preferred Card costs $95/yr vs $0/yr for the U.S. Bank Cash+® Visa Signature® Card. The higher fee and travel credits that can offset the cost for frequent travelers.

Which card earns more rewards, the Chase Sapphire Preferred Card or U.S. Bank Cash+® Visa Signature® Card?

The Chase Sapphire Preferred Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.

What benefits does the Chase Sapphire Preferred Card have that the U.S. Bank Cash+® Visa Signature® Card doesn't?

The Chase Sapphire Preferred Card offers travel credits. The U.S. Bank Cash+® Visa Signature® Card focuses more on earn rates than premium perks.

Should I get the Chase Sapphire Preferred Card or the U.S. Bank Cash+® Visa Signature® Card?

Choose the U.S. Bank Cash+® Visa Signature® Card if you want lower fees and solid rewards. Pick the Chase Sapphire Preferred Card if you spend enough to justify the $95/yr fee through its premium benefits and higher earn rates.

CardRewards

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.

Chase Sapphire Preferred Card vs U.S. Bank Cash+® Visa Signature® Card

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.

Chase Sapphire Preferred Card

Chase

U.S. Bank Cash+® Visa Signature® Card

U.S. Bank

Fees & Welcome Offer

Annual Fee

$95

Welcome Bonus

75,000 Flex point

—

Earn Rates

Category	Chase Sapphire Preferred Card	U.S. Bank Cash+® Visa Signature® Card
Department Stores	1X	5X

Category-by-Category Winner

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 Bottom Line

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.

Frequently Asked Questions

Is the Chase Sapphire Preferred Card worth the higher annual fee?: The Chase Sapphire Preferred Card costs $95/yr vs $0/yr for the U.S. Bank Cash+® Visa Signature® Card. The higher fee and travel credits that can offset the cost for frequent travelers.
Which card earns more rewards, the Chase Sapphire Preferred Card or U.S. Bank Cash+® Visa Signature® Card?: The Chase Sapphire Preferred Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.
What benefits does the Chase Sapphire Preferred Card have that the U.S. Bank Cash+® Visa Signature® Card doesn't?: The Chase Sapphire Preferred Card offers travel credits. The U.S. Bank Cash+® Visa Signature® Card focuses more on earn rates than premium perks.
Should I get the Chase Sapphire Preferred Card or the U.S. Bank Cash+® Visa Signature® Card?: Choose the U.S. Bank Cash+® Visa Signature® Card if you want lower fees and solid rewards. Pick the Chase Sapphire Preferred Card if you spend enough to justify the $95/yr fee through its premium benefits and higher earn rates.

Related Comparisons

Amex Gold vs Chase Sapphire Preferred Amex Green vs Chase Sapphire Preferred Amex Platinum vs Chase Sapphire Preferred Capital One Venture vs Chase Sapphire Preferred

Explore More

Chase Sapphire Preferred Card — Full Review All Chase Cards

U.S. Bank Cash+® Visa Signature® Card — Full Review All U.S. Bank Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Chase cards · U.S. Bank cards

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.

Chase Sapphire Preferred Card vs U.S. Bank Cash+® Visa Signature® Card

Chase Sapphire Preferred Card

Chase

U.S. Bank Cash+® Visa Signature® Card

U.S. Bank

Fees & Welcome Offer

Annual Fee

$95

Welcome Bonus

75,000 Flex point

—

Earn Rates

Category	Chase Sapphire Preferred Card	U.S. Bank Cash+® Visa Signature® Card
Department Stores	1X	5X

Category-by-Category Winner

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 Bottom Line

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.

Frequently Asked Questions

Is the Chase Sapphire Preferred Card worth the higher annual fee?: The Chase Sapphire Preferred Card costs $95/yr vs $0/yr for the U.S. Bank Cash+® Visa Signature® Card. The higher fee and travel credits that can offset the cost for frequent travelers.
Which card earns more rewards, the Chase Sapphire Preferred Card or U.S. Bank Cash+® Visa Signature® Card?: The Chase Sapphire Preferred Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.
What benefits does the Chase Sapphire Preferred Card have that the U.S. Bank Cash+® Visa Signature® Card doesn't?: The Chase Sapphire Preferred Card offers travel credits. The U.S. Bank Cash+® Visa Signature® Card focuses more on earn rates than premium perks.
Should I get the Chase Sapphire Preferred Card or the U.S. Bank Cash+® Visa Signature® Card?: Choose the U.S. Bank Cash+® Visa Signature® Card if you want lower fees and solid rewards. Pick the Chase Sapphire Preferred Card if you spend enough to justify the $95/yr fee through its premium benefits and higher earn rates.

Related Comparisons

Amex Gold vs Chase Sapphire Preferred Amex Green vs Chase Sapphire Preferred Amex Platinum vs Chase Sapphire Preferred Capital One Venture vs Chase Sapphire Preferred

Explore More

Chase Sapphire Preferred Card — Full Review All Chase Cards

U.S. Bank Cash+® Visa Signature® Card — Full Review All U.S. Bank Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Chase cards · U.S. Bank cards

Chase Sapphire Preferred Card vs U.S. Bank Cash+® Visa Signature® Card

Chase Sapphire Preferred Card

Chase

U.S. Bank Cash+® Visa Signature® Card

U.S. Bank

Fees & Welcome Offer

Annual Fee

$95

Welcome Bonus

75,000 Flex point

—

Earn Rates

Category	Chase Sapphire Preferred Card	U.S. Bank Cash+® Visa Signature® Card
Department Stores	1X	5X

Category-by-Category Winner

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 Bottom Line

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.

Frequently Asked Questions

Is the Chase Sapphire Preferred Card worth the higher annual fee?: The Chase Sapphire Preferred Card costs $95/yr vs $0/yr for the U.S. Bank Cash+® Visa Signature® Card. The higher fee and travel credits that can offset the cost for frequent travelers.
Which card earns more rewards, the Chase Sapphire Preferred Card or U.S. Bank Cash+® Visa Signature® Card?: The Chase Sapphire Preferred Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.
What benefits does the Chase Sapphire Preferred Card have that the U.S. Bank Cash+® Visa Signature® Card doesn't?: The Chase Sapphire Preferred Card offers travel credits. The U.S. Bank Cash+® Visa Signature® Card focuses more on earn rates than premium perks.
Should I get the Chase Sapphire Preferred Card or the U.S. Bank Cash+® Visa Signature® Card?: Choose the U.S. Bank Cash+® Visa Signature® Card if you want lower fees and solid rewards. Pick the Chase Sapphire Preferred Card if you spend enough to justify the $95/yr fee through its premium benefits and higher earn rates.

Related Comparisons

Amex Gold vs Chase Sapphire Preferred Amex Green vs Chase Sapphire Preferred Amex Platinum vs Chase Sapphire Preferred Capital One Venture vs Chase Sapphire Preferred

Explore More

Chase Sapphire Preferred Card — Full Review All Chase Cards

U.S. Bank Cash+® Visa Signature® Card — Full Review All U.S. Bank Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Chase cards · U.S. Bank cards

Benefits & Features

Network

VISA

Key Benefits

✓Travel credit

✓Travel insurance

✓Purchase protection

None

Pros & Cons

Pros

+75,000 point welcome bonus worth $937+ via transfers
+$95 annual fee offset by $50 hotel credit
+1:1 transfer to 13+ airline and hotel partners including Hyatt
+5X on Chase Travel, 3X dining, streaming, online groceries
+Trip cancellation, delay, and lost luggage insurance included

+5% cash back on two categories of your choice (from 12+ options)
+2% on one everyday category (dining, gas, or grocery)
+No annual fee
+Visa Signature benefits
+$200 welcome bonus

Cons

−$95 annual fee vs $0 Freedom cards
−No lounge access included
−Secondary rental car coverage only (not primary)
−5/24 rule restricts applicants with 5+ cards in 24 months
−No 0% intro APR offer

−Must select 5% categories each quarter (defaults to 1% if forgotten)
−$2,000 combined quarterly cap on 5% categories
−3% foreign transaction fee
−Base rate only 1% on non-category spend

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

Is the Fee Difference Worth It?

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.

What You Give Up

Choosing one card means missing out on these benefits from the other.

Choosing U.S. Bank Cash+® Visa Signature® Card means losing:

-Annual travel credit
-Purchase protection
-Travel insurance

Which Card Is Right for You?

Get the Chase Sapphire Preferred Card if you:

+Travel enough to fully use annual credits and premium perks

Get the U.S. Bank Cash+® Visa Signature® Card if you:

+Do most of your spending at grocery stores
+Want strong rewards without a large annual fee commitment

Benefits & Features

Network

VISA

Key Benefits

✓Travel credit

✓Travel insurance

✓Purchase protection

None

Pros & Cons

Pros

+75,000 point welcome bonus worth $937+ via transfers
+$95 annual fee offset by $50 hotel credit
+1:1 transfer to 13+ airline and hotel partners including Hyatt
+5X on Chase Travel, 3X dining, streaming, online groceries
+Trip cancellation, delay, and lost luggage insurance included

+5% cash back on two categories of your choice (from 12+ options)
+2% on one everyday category (dining, gas, or grocery)
+No annual fee
+Visa Signature benefits
+$200 welcome bonus

Cons

−$95 annual fee vs $0 Freedom cards
−No lounge access included
−Secondary rental car coverage only (not primary)
−5/24 rule restricts applicants with 5+ cards in 24 months
−No 0% intro APR offer

−Must select 5% categories each quarter (defaults to 1% if forgotten)
−$2,000 combined quarterly cap on 5% categories
−3% foreign transaction fee
−Base rate only 1% on non-category spend

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

Is the Fee Difference Worth It?

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.

What You Give Up

Choosing one card means missing out on these benefits from the other.

Choosing U.S. Bank Cash+® Visa Signature® Card means losing:

-Annual travel credit
-Purchase protection
-Travel insurance

Which Card Is Right for You?

Get the Chase Sapphire Preferred Card if you:

+Travel enough to fully use annual credits and premium perks

Get the U.S. Bank Cash+® Visa Signature® Card if you:

+Do most of your spending at grocery stores
+Want strong rewards without a large annual fee commitment

Benefits & Features

Network

VISA

Key Benefits

✓Travel credit

✓Travel insurance

✓Purchase protection

None

Pros & Cons

Pros

+75,000 point welcome bonus worth $937+ via transfers
+$95 annual fee offset by $50 hotel credit
+1:1 transfer to 13+ airline and hotel partners including Hyatt
+5X on Chase Travel, 3X dining, streaming, online groceries
+Trip cancellation, delay, and lost luggage insurance included

+5% cash back on two categories of your choice (from 12+ options)
+2% on one everyday category (dining, gas, or grocery)
+No annual fee
+Visa Signature benefits
+$200 welcome bonus

Cons

−$95 annual fee vs $0 Freedom cards
−No lounge access included
−Secondary rental car coverage only (not primary)
−5/24 rule restricts applicants with 5+ cards in 24 months
−No 0% intro APR offer

−Must select 5% categories each quarter (defaults to 1% if forgotten)
−$2,000 combined quarterly cap on 5% categories
−3% foreign transaction fee
−Base rate only 1% on non-category spend

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

Is the Fee Difference Worth It?

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.

What You Give Up

Choosing one card means missing out on these benefits from the other.

Choosing U.S. Bank Cash+® Visa Signature® Card means losing:

-Annual travel credit
-Purchase protection
-Travel insurance

Which Card Is Right for You?

Get the Chase Sapphire Preferred Card if you:

+Travel enough to fully use annual credits and premium perks

Get the U.S. Bank Cash+® Visa Signature® Card if you:

+Do most of your spending at grocery stores
+Want strong rewards without a large annual fee commitment