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: May 2026.
The U.S. Bank Cash+® Visa Signature® Card ($0/yr) is better for everyday value, while the Blue Cash Preferred Card from American Express ($95/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.

American Express

U.S. Bank
Annual Fee
Welcome Bonus
| Category | Blue Cash Preferred Card from American Express | U.S. Bank Cash+® Visa Signature® Card |
|---|---|---|
| Grocery Stores | 6X |
The U.S. Bank Cash+® Visa Signature® Card wins in 8 of 13 categories. The Blue Cash Preferred Card from American Express leads in 5.
Streaming
Blue Cash Preferred Card from American Express earns 6X vs 5X
Grocery Stores
Blue Cash Preferred Card from American Express earns 6X vs 2X
Transit
U.S. Bank Cash+® Visa Signature® Card earns 5X vs 3X
Gas Stations
Blue Cash Preferred Card from American Express earns 3X vs 2X
Ridesharing
Blue Cash Preferred Card from American Express earns 3X vs 1X
Tolls
Blue Cash Preferred Card from American Express earns 3X 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
Fitness & Gyms
The U.S. Bank Cash+® Visa Signature® Card has a lower annual fee ($0 vs $95), making it the more accessible option.
Choose the U.S. Bank Cash+® Visa Signature® Card if you want solid rewards with a lower cost of entry. Choose the Blue Cash Preferred Card from American Express 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: May 2026.
The U.S. Bank Cash+® Visa Signature® Card ($0/yr) is better for everyday value, while the Blue Cash Preferred Card from American Express ($95/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.

American Express

U.S. Bank
Annual Fee
Welcome Bonus
| Category | Blue Cash Preferred Card from American Express | U.S. Bank Cash+® Visa Signature® Card |
|---|---|---|
| Grocery Stores | 6X |
The U.S. Bank Cash+® Visa Signature® Card wins in 8 of 13 categories. The Blue Cash Preferred Card from American Express leads in 5.
Streaming
Blue Cash Preferred Card from American Express earns 6X vs 5X
Grocery Stores
Blue Cash Preferred Card from American Express earns 6X vs 2X
Transit
U.S. Bank Cash+® Visa Signature® Card earns 5X vs 3X
Gas Stations
Blue Cash Preferred Card from American Express earns 3X vs 2X
Ridesharing
Blue Cash Preferred Card from American Express earns 3X vs 1X
Tolls
Blue Cash Preferred Card from American Express earns 3X 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
Fitness & Gyms
The U.S. Bank Cash+® Visa Signature® Card has a lower annual fee ($0 vs $95), making it the more accessible option.
Choose the U.S. Bank Cash+® Visa Signature® Card if you want solid rewards with a lower cost of entry. Choose the Blue Cash Preferred Card from American Express 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: May 2026.
The U.S. Bank Cash+® Visa Signature® Card ($0/yr) is better for everyday value, while the Blue Cash Preferred Card from American Express ($95/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.

American Express

U.S. Bank
Annual Fee
Welcome Bonus
| Category | Blue Cash Preferred Card from American Express | U.S. Bank Cash+® Visa Signature® Card |
|---|---|---|
| Grocery Stores | 6X |
The U.S. Bank Cash+® Visa Signature® Card wins in 8 of 13 categories. The Blue Cash Preferred Card from American Express leads in 5.
Streaming
Blue Cash Preferred Card from American Express earns 6X vs 5X
Grocery Stores
Blue Cash Preferred Card from American Express earns 6X vs 2X
Transit
U.S. Bank Cash+® Visa Signature® Card earns 5X vs 3X
Gas Stations
Blue Cash Preferred Card from American Express earns 3X vs 2X
Ridesharing
Blue Cash Preferred Card from American Express earns 3X vs 1X
Tolls
Blue Cash Preferred Card from American Express earns 3X 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
Fitness & Gyms
The U.S. Bank Cash+® Visa Signature® Card has a lower annual fee ($0 vs $95), making it the more accessible option.
Choose the U.S. Bank Cash+® Visa Signature® Card if you want solid rewards with a lower cost of entry. Choose the Blue Cash Preferred Card from American Express 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: May 2026.
| 2X |
| Streaming | 6X | 5X |
| Department Stores | 1X | 5X |
| Electronic Stores | 1X | 5X |
| Entertainment | 1X | 5X |
| Fitness & Gyms | 1X | 5X |
| Home Improvement | 1X | 5X |
| Telecom | 1X | 5X |
| Transit | 3X | 5X |
| Gas Stations | 3X | 2X |
| Ridesharing | 3X | 1X |
| Tolls | 3X | 1X |
| Dining | 1X | 2X |
Network
Key Benefits
Pros
Cons
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
Home Improvement
U.S. Bank Cash+® Visa Signature® Card earns 5X vs 1X
Dining
U.S. Bank Cash+® Visa Signature® Card earns 2X vs 1X
The Blue Cash Preferred Card from American Express 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.
Bottom line: The $95 difference is small enough that the Blue Cash Preferred Card from American Express's extra perks make it worth considering for most cardholders.
Get the U.S. Bank Cash+® Visa Signature® Card if you:
| 2X |
| Streaming | 6X | 5X |
| Department Stores | 1X | 5X |
| Electronic Stores | 1X | 5X |
| Entertainment | 1X | 5X |
| Fitness & Gyms | 1X | 5X |
| Home Improvement | 1X | 5X |
| Telecom | 1X | 5X |
| Transit | 3X | 5X |
| Gas Stations | 3X | 2X |
| Ridesharing | 3X | 1X |
| Tolls | 3X | 1X |
| Dining | 1X | 2X |
Network
Key Benefits
Pros
Cons
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
Home Improvement
U.S. Bank Cash+® Visa Signature® Card earns 5X vs 1X
Dining
U.S. Bank Cash+® Visa Signature® Card earns 2X vs 1X
The Blue Cash Preferred Card from American Express 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.
Bottom line: The $95 difference is small enough that the Blue Cash Preferred Card from American Express's extra perks make it worth considering for most cardholders.
Get the U.S. Bank Cash+® Visa Signature® Card if you:
| 2X |
| Streaming | 6X | 5X |
| Department Stores | 1X | 5X |
| Electronic Stores | 1X | 5X |
| Entertainment | 1X | 5X |
| Fitness & Gyms | 1X | 5X |
| Home Improvement | 1X | 5X |
| Telecom | 1X | 5X |
| Transit | 3X | 5X |
| Gas Stations | 3X | 2X |
| Ridesharing | 3X | 1X |
| Tolls | 3X | 1X |
| Dining | 1X | 2X |
Network
Key Benefits
Pros
Cons
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
Home Improvement
U.S. Bank Cash+® Visa Signature® Card earns 5X vs 1X
Dining
U.S. Bank Cash+® Visa Signature® Card earns 2X vs 1X
The Blue Cash Preferred Card from American Express 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.
Bottom line: The $95 difference is small enough that the Blue Cash Preferred Card from American Express's extra perks make it worth considering for most cardholders.
Get the U.S. Bank Cash+® Visa Signature® Card if you: