Which card earns more rewards, the Upgrade Triple Cash Rewards or U.S. Bank Cash+® Visa Signature® Card?

Both cards earn 0X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.

Should I get the Upgrade Triple Cash Rewards or the U.S. Bank Cash+® Visa Signature® Card?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Which card earns more rewards, the Upgrade Triple Cash Rewards or U.S. Bank Cash+® Visa Signature® Card?

Both cards earn 0X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.

Should I get the Upgrade Triple Cash Rewards or the U.S. Bank Cash+® Visa Signature® Card?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Which card earns more rewards, the Upgrade Triple Cash Rewards or U.S. Bank Cash+® Visa Signature® Card?

Both cards earn 0X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.

Should I get the Upgrade Triple Cash Rewards or the U.S. Bank Cash+® Visa Signature® Card?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Upgrade Triple Cash Rewards vs U.S. Bank Cash+® Visa Signature® Card

Both cards cost $0/yr. The Upgrade Triple Cash Rewards is better for auto maintenance, while the U.S. Bank Cash+® Visa Signature® Card wins on telecom. Here's how they compare.

Upgrade Triple Cash Rewards

Sutton Bank

U.S. Bank Cash+® Visa Signature® Card

U.S. Bank

Fees & Welcome Offer

Annual Fee

Welcome Bonus

—

Earn Rates

Category	Upgrade Triple Cash Rewards	U.S. Bank Cash+® Visa Signature® Card
Department Stores	1X	5X
Electronic Stores	1X	5X
Entertainment	1X	5X
Fitness & Gyms	3X	5X
Home Improvement	3X	5X
Streaming	1X

Benefits & Features

Network

VISA

Key Benefits

None

Pros & Cons

Pros

—

+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

—

−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

Category-by-Category Winner

The U.S. Bank Cash+® Visa Signature® Card wins in 11 of 15 categories. The Upgrade Triple Cash Rewards leads in 4.

Auto Maintenance

Upgrade Triple Cash Rewards earns 3X vs 1X

Drugstores

Upgrade Triple Cash Rewards earns 3X vs 1X

Fitness & Gyms

U.S. Bank Cash+® Visa Signature® Card earns 5X vs 3X

Healthcare

Upgrade Triple Cash Rewards earns 3X vs 1X

Home Improvement

U.S. Bank Cash+® Visa Signature® Card earns 5X vs 3X

Sporting Goods Stores

Upgrade Triple Cash Rewards earns 3X vs 1X

Telecom

U.S. Bank Cash+® Visa Signature® Card earns 5X vs 1X

Streaming

U.S. Bank Cash+® Visa Signature® Card earns 5X vs 1X

Entertainment

U.S. Bank Cash+® Visa Signature® Card earns 5X vs 1X

Frequently Asked Questions

Which card earns more rewards, the Upgrade Triple Cash Rewards or U.S. Bank Cash+® Visa Signature® Card?: Both cards earn 0X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
Should I get the Upgrade Triple Cash Rewards or the U.S. Bank Cash+® Visa Signature® Card?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Explore More

Upgrade Triple Cash Rewards — Full Review All Sutton Bank 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: Sutton Bank 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.

Upgrade Triple Cash Rewards vs U.S. Bank Cash+® Visa Signature® Card

Both cards cost $0/yr. The Upgrade Triple Cash Rewards is better for auto maintenance, while the U.S. Bank Cash+® Visa Signature® Card wins on telecom. Here's how they compare.

Upgrade Triple Cash Rewards

Sutton Bank

U.S. Bank Cash+® Visa Signature® Card

U.S. Bank

Fees & Welcome Offer

Annual Fee

Welcome Bonus

—

Earn Rates

Category	Upgrade Triple Cash Rewards	U.S. Bank Cash+® Visa Signature® Card
Department Stores	1X	5X
Electronic Stores	1X	5X
Entertainment	1X	5X
Fitness & Gyms	3X	5X
Home Improvement	3X	5X
Streaming	1X

Benefits & Features

Network

VISA

Key Benefits

None

Pros & Cons

Pros

—

+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

—

−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

Category-by-Category Winner

The U.S. Bank Cash+® Visa Signature® Card wins in 11 of 15 categories. The Upgrade Triple Cash Rewards leads in 4.

Auto Maintenance

Upgrade Triple Cash Rewards earns 3X vs 1X

Drugstores

Upgrade Triple Cash Rewards earns 3X vs 1X

Fitness & Gyms

U.S. Bank Cash+® Visa Signature® Card earns 5X vs 3X

Healthcare

Upgrade Triple Cash Rewards earns 3X vs 1X

Home Improvement

U.S. Bank Cash+® Visa Signature® Card earns 5X vs 3X

Sporting Goods Stores

Upgrade Triple Cash Rewards earns 3X vs 1X

Telecom

U.S. Bank Cash+® Visa Signature® Card earns 5X vs 1X

Streaming

U.S. Bank Cash+® Visa Signature® Card earns 5X vs 1X

Entertainment

U.S. Bank Cash+® Visa Signature® Card earns 5X vs 1X

Frequently Asked Questions

Which card earns more rewards, the Upgrade Triple Cash Rewards or U.S. Bank Cash+® Visa Signature® Card?: Both cards earn 0X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
Should I get the Upgrade Triple Cash Rewards or the U.S. Bank Cash+® Visa Signature® Card?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Explore More

Upgrade Triple Cash Rewards — Full Review All Sutton Bank 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: Sutton Bank cards · U.S. Bank cards

Upgrade Triple Cash Rewards vs U.S. Bank Cash+® Visa Signature® Card

Both cards cost $0/yr. The Upgrade Triple Cash Rewards is better for auto maintenance, while the U.S. Bank Cash+® Visa Signature® Card wins on telecom. Here's how they compare.

Upgrade Triple Cash Rewards

Sutton Bank

U.S. Bank Cash+® Visa Signature® Card

U.S. Bank

Fees & Welcome Offer

Annual Fee

Welcome Bonus

—

Earn Rates

Category	Upgrade Triple Cash Rewards	U.S. Bank Cash+® Visa Signature® Card
Department Stores	1X	5X
Electronic Stores	1X	5X
Entertainment	1X	5X
Fitness & Gyms	3X	5X
Home Improvement	3X	5X
Streaming	1X

Benefits & Features

Network

VISA

Key Benefits

None

Pros & Cons

Pros

—

+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

—

−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

Category-by-Category Winner

The U.S. Bank Cash+® Visa Signature® Card wins in 11 of 15 categories. The Upgrade Triple Cash Rewards leads in 4.

Auto Maintenance

Upgrade Triple Cash Rewards earns 3X vs 1X

Drugstores

Upgrade Triple Cash Rewards earns 3X vs 1X

Fitness & Gyms

U.S. Bank Cash+® Visa Signature® Card earns 5X vs 3X

Healthcare

Upgrade Triple Cash Rewards earns 3X vs 1X

Home Improvement

U.S. Bank Cash+® Visa Signature® Card earns 5X vs 3X

Sporting Goods Stores

Upgrade Triple Cash Rewards earns 3X vs 1X

Telecom

U.S. Bank Cash+® Visa Signature® Card earns 5X vs 1X

Streaming

U.S. Bank Cash+® Visa Signature® Card earns 5X vs 1X

Entertainment

U.S. Bank Cash+® Visa Signature® Card earns 5X vs 1X

Frequently Asked Questions

Which card earns more rewards, the Upgrade Triple Cash Rewards or U.S. Bank Cash+® Visa Signature® Card?: Both cards earn 0X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
Should I get the Upgrade Triple Cash Rewards or the U.S. Bank Cash+® Visa Signature® Card?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Explore More

Upgrade Triple Cash Rewards — Full Review All Sutton Bank 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: Sutton Bank cards · U.S. Bank cards

Upgrade Triple Cash Rewards vs U.S. Bank Cash+® Visa Signature® Card

Upgrade Triple Cash Rewards

U.S. Bank Cash+® Visa Signature® Card

Fees & Welcome Offer

Earn Rates

Benefits & Features

Pros & Cons

Category-by-Category Winner

Frequently Asked Questions

Explore More

Upgrade Triple Cash Rewards vs U.S. Bank Cash+® Visa Signature® Card

Upgrade Triple Cash Rewards

U.S. Bank Cash+® Visa Signature® Card

Fees & Welcome Offer

Earn Rates

Benefits & Features

Pros & Cons

Category-by-Category Winner

Frequently Asked Questions

Explore More

Upgrade Triple Cash Rewards vs U.S. Bank Cash+® Visa Signature® Card

Upgrade Triple Cash Rewards

U.S. Bank Cash+® Visa Signature® Card

Fees & Welcome Offer

Earn Rates

Benefits & Features

Pros & Cons

Category-by-Category Winner

Frequently Asked Questions

Explore More

Which Card Is Right for You?

Which Card Is Right for You?

Which Card Is Right for You?