Prime Visa vs U.S. Bank Cash+® Visa Signature® Card
Both cards cost $0/yr. The Prime Visa leads on gas stations; the U.S. Bank Cash+® Visa Signature® Card on telecom.
Card data as of November 13, 2026.
Prime VisaChase · No annual fee
U.S. Bank Cash+® Visa Signature® CardU.S. Bank · No annual fee
Overview
- Annual fee
- Prime Visa$0U.S. Bank Cash+® Visa Signature® Card$0
- Welcome offerCurrent public offer
- Prime Visa$150 gift cardU.S. Bank Cash+® Visa Signature® Card$200 cash back
- Rewards
- Prime VisaCash backU.S. Bank Cash+® Visa Signature® CardCash back
- Foreign transaction fee
- Prime VisaNoneLowestU.S. Bank Cash+® Visa Signature® Card3%
- Network
- Prime VisaVisa SignatureU.S. Bank Cash+® Visa Signature® CardVisa Signature
Earn ratesPer $1 spent
- Cable TV
- Prime Visa1%U.S. Bank Cash+® Visa Signature® Card5%Highest
- Department Stores
- Prime Visa1%U.S. Bank Cash+® Visa Signature® Card5%Highest
- Electronics
- Prime Visa1%U.S. Bank Cash+® Visa Signature® Card5%Highest
- Fast Food
- Prime Visa1%U.S. Bank Cash+® Visa Signature® Card5%Highest
- Fitness
- Prime Visa1%U.S. Bank Cash+® Visa Signature® Card5%Highest
- Movie Theaters
- Prime Visa1%U.S. Bank Cash+® Visa Signature® Card5%Highest
- Sporting Goods
- Prime Visa1%U.S. Bank Cash+® Visa Signature® Card5%Highest
- Streaming
- Prime Visa1%U.S. Bank Cash+® Visa Signature® Card5%Highest
- Telecom
- Prime Visa1%U.S. Bank Cash+® Visa Signature® Card5%Highest
- Transit
- Prime Visa2%U.S. Bank Cash+® Visa Signature® Card5%Highest
- Utilities
- Prime Visa1%U.S. Bank Cash+® Visa Signature® Card5%Highest
- Dining
- Prime Visa2%U.S. Bank Cash+® Visa Signature® Card2%
- Gas Stations
- Prime Visa2%U.S. Bank Cash+® Visa Signature® Card2%
- Grocery Stores
- Prime Visa1%U.S. Bank Cash+® Visa Signature® Card2%Highest
- Everything else
- Prime Visa1%U.S. Bank Cash+® Visa Signature® Card1%
Protections & insuranceLimits where published · — means none on record
- Trip insurance
- Prime Visa
- Up to $500,000 travel accident coverage
U.S. Bank Cash+® Visa Signature® CardNot yet documented - Purchase & returns
- Prime Visa
- $500 per claim on damage or theft
U.S. Bank Cash+® Visa Signature® CardNot yet documented
Pros & cons
- Pros
- Prime Visa
- 5% back at Amazon.com, Audible.com, Whole Foods Market and on Chase Travel with an eligible Prime membership
- 5% back on Chase Travel portal bookings with no cap
- 2% back at restaurants, gas stations, and transit - solid everyday categories
- $150 Amazon Gift Card welcome bonus with no minimum spend required
- No annual fee on the card itself (Prime membership separate)
U.S. Bank Cash+® Visa Signature® Card- 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
- Prime Visa
- Requires an eligible Amazon Prime membership to earn 5% (3% without Prime)
- Rewards locked to Amazon ecosystem - cannot transfer to airlines/hotels
- Only 1% back on non-category purchases - below average for catch-all spending
- No premium travel protections like trip delay insurance or lounge access
- Sign-up bonus is gift card, not flexible cash or points
U.S. Bank Cash+® Visa Signature® Card- 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
No unconditional category winner — 13 categories depend on how you earn.
Transit
Depends: up to $2,000/quarter; 5% applies only if ground transportation is one of the two 5% categories you choose each quarter; the $2,000 quarterly limit is combined across both chosen categories.
U.S. Bank Cash+® Visa Signature® Card earns 5X when conditions are met; Prime Visa earns 2X (2X without restrictions)
Telecom
Depends: up to $2,000/quarter; 5% applies only if cell phone providers is one of the two 5% categories you choose each quarter; the $2,000 quarterly limit is combined across both chosen categories.
U.S. Bank Cash+® Visa Signature® Card earns 5X when conditions are met; Prime Visa earns 1X (1X without restrictions)
Streaming
Depends: up to $2,000/quarter; 5% applies only if TV, internet and streaming is one of the two 5% categories you choose each quarter; the $2,000 quarterly limit is combined across both chosen categories.
U.S. Bank Cash+® Visa Signature® Card earns 5X when conditions are met; Prime Visa earns 1X (1X without restrictions)
Cable TV
Depends: up to $2,000/quarter; 5% applies only if TV, internet and streaming is one of the two 5% categories you choose each quarter; the $2,000 quarterly limit is combined across both chosen categories.
U.S. Bank Cash+® Visa Signature® Card earns 5X when conditions are met; Prime Visa earns 1X (1X without restrictions)
Movie Theaters
Depends: up to $2,000/quarter; 5% applies only if movie theaters is one of the two 5% categories you choose each quarter; the $2,000 quarterly limit is combined across both chosen categories.
U.S. Bank Cash+® Visa Signature® Card earns 5X when conditions are met; Prime Visa earns 1X (1X without restrictions)
Fitness
Depends: up to $2,000/quarter; 5% applies only if gyms/fitness centers is one of the two 5% categories you choose each quarter; the $2,000 quarterly limit is combined across both chosen categories.
U.S. Bank Cash+® Visa Signature® Card earns 5X when conditions are met; Prime Visa earns 1X (1X without restrictions)
Department Stores
Depends: up to $2,000/quarter; 5% applies only if department stores is one of the two 5% categories you choose each quarter; the $2,000 quarterly limit is combined across both chosen categories.
U.S. Bank Cash+® Visa Signature® Card earns 5X when conditions are met; Prime Visa earns 1X (1X without restrictions)
Electronics
Depends: up to $2,000/quarter; 5% applies only if electronics stores is one of the two 5% categories you choose each quarter; the $2,000 quarterly limit is combined across both chosen categories.
U.S. Bank Cash+® Visa Signature® Card earns 5X when conditions are met; Prime Visa earns 1X (1X without restrictions)
Travel
Depends: via issuer travel portal
U.S. Bank Cash+® Visa Signature® Card earns 5X when conditions are met; Prime Visa earns 1X (1X without restrictions)
Sporting Goods
Depends: up to $2,000/quarter; 5% applies only if sporting goods stores is one of the two 5% categories you choose each quarter; the $2,000 quarterly limit is combined across both chosen categories.
U.S. Bank Cash+® Visa Signature® Card earns 5X when conditions are met; Prime Visa earns 1X (1X without restrictions)
Fast Food
Depends: up to $2,000/quarter; 5% applies only if fast food is one of the two 5% categories you choose each quarter; the $2,000 quarterly limit is combined across both chosen categories.
U.S. Bank Cash+® Visa Signature® Card earns 5X when conditions are met; Prime Visa earns 1X (1X without restrictions)
Utilities
Depends: up to $2,000/quarter; 5% applies only if home utilities is one of the two 5% categories you choose each quarter; the $2,000 quarterly limit is combined across both chosen categories.
U.S. Bank Cash+® Visa Signature® Card earns 5X when conditions are met; Prime Visa earns 1X (1X without restrictions)
Grocery Stores
Depends: 2% applies only if grocery stores and grocery delivery is the one everyday category you choose each quarter.
U.S. Bank Cash+® Visa Signature® Card earns 2X when conditions are met; Prime Visa earns 1X (1X without restrictions)
Year One vs Ongoing Value
Modeled net value (bonus categories at unconditional rates, caps applied). Spend mix: dining 15%, groceries 15%, gas 10%, travel 10%, everything else 50%. Statement credits use the same recurring usable estimates as each card's detail page; first-year-only credits count in year one only. Welcome offers valued at each card's program rate shown on this page.
The better card depends on how much you spend.
| Scenario | Prime Visa | U.S. Bank Cash+® Visa Signature® Card | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $150 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $150 Year one: $300 | Rewards: $120 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $120 Year one: $320 | Prime Visa | U.S. Bank Cash+® Visa Signature® Card |
| Heavy spender: $4,000/month | Rewards: $600 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $600 Year one: $750 | Rewards: $480 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $480 Year one: $680 | Prime Visa | Prime Visa |
Which Card Is Right for You?
Get the U.S. Bank Cash+® Visa Signature® Card if you:
- +Do most of your spending at grocery stores
The Bottom Line
The better card depends on how much you spend.
Frequently Asked Questions
- Which card earns more rewards, the Prime Visa or U.S. Bank Cash+® Visa Signature® Card?
- Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
- Should I get the Prime Visa 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.
Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published November 13, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.