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.
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.
Annual Fee
Welcome Bonus
| 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 |
Network
Key Benefits
Pros
Cons
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
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.
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.
Annual Fee
Welcome Bonus
| 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 |
Network
Key Benefits
Pros
Cons
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
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.
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.
Annual Fee
Welcome Bonus
| 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 |
Network
Key Benefits
Pros
Cons
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
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.
| 5X |
| Telecom | 1X | 5X |
| Transit | 1X | 5X |
| Auto Maintenance | 3X | 1X |
| Drugstores | 3X | 1X |
| Healthcare | 3X | 1X |
| Sporting Goods Stores | 3X | 1X |
| Dining | 1X | 2X |
| Gas Stations | 1X | 2X |
| Grocery Stores | 1X | 2X |
Transit
U.S. Bank Cash+® Visa Signature® Card earns 5X vs 1X
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
Dining
U.S. Bank Cash+® Visa Signature® Card earns 2X 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
Get the U.S. Bank Cash+® Visa Signature® Card if you:
| 5X |
| Telecom | 1X | 5X |
| Transit | 1X | 5X |
| Auto Maintenance | 3X | 1X |
| Drugstores | 3X | 1X |
| Healthcare | 3X | 1X |
| Sporting Goods Stores | 3X | 1X |
| Dining | 1X | 2X |
| Gas Stations | 1X | 2X |
| Grocery Stores | 1X | 2X |
Transit
U.S. Bank Cash+® Visa Signature® Card earns 5X vs 1X
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
Dining
U.S. Bank Cash+® Visa Signature® Card earns 2X 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
Get the U.S. Bank Cash+® Visa Signature® Card if you:
| 5X |
| Telecom | 1X | 5X |
| Transit | 1X | 5X |
| Auto Maintenance | 3X | 1X |
| Drugstores | 3X | 1X |
| Healthcare | 3X | 1X |
| Sporting Goods Stores | 3X | 1X |
| Dining | 1X | 2X |
| Gas Stations | 1X | 2X |
| Grocery Stores | 1X | 2X |
Transit
U.S. Bank Cash+® Visa Signature® Card earns 5X vs 1X
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
Dining
U.S. Bank Cash+® Visa Signature® Card earns 2X 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
Get the U.S. Bank Cash+® Visa Signature® Card if you: