Chase Sapphire Preferred Card vs U.S. Bank Cash+® Visa Signature® Card
Annual fees: Chase Sapphire Preferred Card $95/yr, U.S. Bank Cash+® Visa Signature® Card $0/yr. Strongest bonus categories: Chase Sapphire Preferred Card on travel, U.S. Bank Cash+® Visa Signature® Card on telecom.
Card data as of October 12, 2026.
Chase Sapphire Preferred CardChase · $95/yr
U.S. Bank Cash+® Visa Signature® CardU.S. Bank · No annual fee
Overview
- Annual fee
- Chase Sapphire Preferred Card$95U.S. Bank Cash+® Visa Signature® Card$0Lowest
- Welcome offerCurrent public offer
- Chase Sapphire Preferred Card75,000 pointsU.S. Bank Cash+® Visa Signature® Card$200 cash back
- Rewards
- Chase Sapphire Preferred CardChase Ultimate RewardsU.S. Bank Cash+® Visa Signature® CardCash back
- Foreign transaction fee
- Chase Sapphire Preferred CardNoneLowestU.S. Bank Cash+® Visa Signature® Card3%
- Network
- Chase Sapphire Preferred CardVisa SignatureU.S. Bank Cash+® Visa Signature® CardVisa Signature
Earn ratesPer $1 spent · points and cash back aren’t ranked against each other
- Cable TV
- Chase Sapphire Preferred Card1xU.S. Bank Cash+® Visa Signature® Card5%
- Department Stores
- Chase Sapphire Preferred Card1xU.S. Bank Cash+® Visa Signature® Card5%
- Electronics
- Chase Sapphire Preferred Card1xU.S. Bank Cash+® Visa Signature® Card5%
- Fast Food
- Chase Sapphire Preferred Card1xU.S. Bank Cash+® Visa Signature® Card5%
- Fitness
- Chase Sapphire Preferred Card1xU.S. Bank Cash+® Visa Signature® Card5%
- Movie Theaters
- Chase Sapphire Preferred Card1xU.S. Bank Cash+® Visa Signature® Card5%
- Sporting Goods
- Chase Sapphire Preferred Card1xU.S. Bank Cash+® Visa Signature® Card5%
- Streaming
- Chase Sapphire Preferred Card3xU.S. Bank Cash+® Visa Signature® Card5%
- Telecom
- Chase Sapphire Preferred Card1xU.S. Bank Cash+® Visa Signature® Card5%
- Transit
- Chase Sapphire Preferred Card1xU.S. Bank Cash+® Visa Signature® Card5%
- Utilities
- Chase Sapphire Preferred Card1xU.S. Bank Cash+® Visa Signature® Card5%
- Dining
- Chase Sapphire Preferred Card3xU.S. Bank Cash+® Visa Signature® Card2%
- Electric Vehicle Charging
- Chase Sapphire Preferred Card3xU.S. Bank Cash+® Visa Signature® Card1%
- Gas Stations
- Chase Sapphire Preferred Card3xU.S. Bank Cash+® Visa Signature® Card2%
- Grocery Stores
- Chase Sapphire Preferred Card3xU.S. Bank Cash+® Visa Signature® Card2%
- Vacation Rentals
- Chase Sapphire Preferred Card3xU.S. Bank Cash+® Visa Signature® Card1%
- Travel
- Chase Sapphire Preferred Card2xU.S. Bank Cash+® Visa Signature® Card1%
- Everything else
- Chase Sapphire Preferred Card1xU.S. Bank Cash+® Visa Signature® Card1%
Statement creditsAs the issuer states them · — means none on record
- Travel
- Chase Sapphire Preferred Card
- $120 Global Entry/TSA PreCheck/NEXUS credit · $120 every 4 years
- $100 hotel credit
U.S. Bank Cash+® Visa Signature® CardNot yet documented - Entertainment & streaming
- Chase Sapphire Preferred Card
- A year of Apple TV, valued at $180 · $180 one-time
U.S. Bank Cash+® Visa Signature® CardNot yet documented
Perks & access— means none on record
- Other perks
- Chase Sapphire Preferred Card
- Complimentary DashPass after activation
- Up to $10 monthly on a non-restaurant DoorDash order
- No Foreign Transaction Fees on international purchases
U.S. Bank Cash+® Visa Signature® CardNot yet documented
Protections & insuranceLimits where published · — means none on record
- Trip insurance
- Chase Sapphire Preferred Card
- Travel Accident Insurance up to $500,000
- $10,000 Trip Cancellation Insurance per person
- $500 Trip Delay Reimbursement per traveler
U.S. Bank Cash+® Visa Signature® CardNot yet documented - Baggage
- Chase Sapphire Preferred Card
- $500 Baggage Delay Insurance ($100 per day)
- $3,000 Lost Luggage Reimbursement per traveler
U.S. Bank Cash+® Visa Signature® CardNot yet documented - Rental car
- Chase Sapphire Preferred Card
- Auto Rental Coverage
U.S. Bank Cash+® Visa Signature® CardNot yet documented - Purchase & returns
- Chase Sapphire Preferred Card
- 120-day Purchase Protection up to $500 per item
U.S. Bank Cash+® Visa Signature® CardNot yet documented - Extended warranty
- Chase Sapphire Preferred Card
- Extended Warranty Protection adds 1 extra year
U.S. Bank Cash+® Visa Signature® CardNot yet documented - Other protections
- Chase Sapphire Preferred Card
- Travel and Emergency Assistance Services
U.S. Bank Cash+® Visa Signature® CardNot yet documented
Pros & cons
- Pros
- Chase Sapphire Preferred Card
- 75,000 point welcome bonus after $5,000 in purchases in the first 3 months
- $95 annual fee partly offset by a $100 Chase Travel hotel credit each account anniversary year
- 1:1 transfer to 14 airline and hotel partners including Hyatt
- 5X on Chase Travel, 3X dining, streaming, online groceries
- Trip cancellation, delay, and lost luggage insurance included
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
- Chase Sapphire Preferred Card
- $95 annual fee vs $0 Freedom cards
- No lounge access included
- 5/24 rule restricts applicants with 5+ cards in 24 months
- No 0% intro APR offer
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
The Chase Sapphire Preferred Card wins in 4 of 4 categories. The U.S. Bank Cash+® Visa Signature® Card leads in 0. 12 more categories depend on booking channel or caps.
Dining
Chase Sapphire Preferred Card earns 3X vs 2X
Gas Stations
Chase Sapphire Preferred Card earns 3X vs 2X
Electric Vehicle Charging
Chase Sapphire Preferred Card earns 3X vs 1X
Vacation Rentals
Chase Sapphire Preferred Card earns 3X vs 1X
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; Chase Sapphire Preferred Card earns 3X (3X without restrictions)
Grocery Stores
Depends: Online purchases only. Excludes Target, Walmart, Wholesale Clubs. Grocery pickup or delivery must be ordered online and qualify under Chase's online grocery category. Excludes membership and subscription fees, supermarket pharmacies, gift cards and gift baskets.
Chase Sapphire Preferred Card earns 3X when conditions are met; U.S. Bank Cash+® Visa Signature® Card earns 2X (1X 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; Chase Sapphire Preferred Card 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; Chase Sapphire Preferred Card 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; Chase Sapphire Preferred Card earns 1X (1X without restrictions)
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; Chase Sapphire Preferred Card 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; Chase Sapphire Preferred Card 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; Chase Sapphire Preferred Card 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; Chase Sapphire Preferred Card 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; Chase Sapphire Preferred Card 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; Chase Sapphire Preferred Card 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; Chase Sapphire Preferred Card 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.
Both scenarios favor the Chase Sapphire Preferred Card on net value (rewards, usable credits, fees, and welcome offer).
| Scenario | Chase Sapphire Preferred Card | U.S. Bank Cash+® Visa Signature® Card | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $346 Credits (our usable estimate): $75 − Annual fee ($95) Ongoing: $326 Year one: $1,784 | Rewards: $120 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $120 Year one: $320 | Chase Sapphire Preferred Card | Chase Sapphire Preferred Card |
| Heavy spender: $4,000/month | Rewards: $1,382 Credits (our usable estimate): $75 − Annual fee ($95) Ongoing: $1,362 Year one: $2,820 | Rewards: $480 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $480 Year one: $680 | Chase Sapphire Preferred Card | Chase Sapphire Preferred Card |
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.
Bottom line: Use the year-one vs ongoing table for modeled earn value at your spend level. The $95 fee gap means the Chase Sapphire Preferred Card needs roughly $95 more in annual rewards (or credits you will use) to break even on travel and dining and everyday spend.
The Bottom Line
Both scenarios favor the Chase Sapphire Preferred Card on net value (rewards, usable credits, fees, and welcome offer).
Published annual fees: Chase Sapphire Preferred Card $95/yr, U.S. Bank Cash+® Visa Signature® Card $0/yr — a $95 difference before welcome offers and 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. Compare the year-one vs ongoing value table on this page — the $95 gap must be offset by higher earn rates, welcome offers, or credits you will use.
- Which card earns more rewards, the Chase Sapphire Preferred Card 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 Chase Sapphire Preferred Card or the U.S. Bank Cash+® Visa Signature® Card?
- Use the spend scenarios on this page: the U.S. Bank Cash+® Visa Signature® Card has a lower $0/yr fee; the Chase Sapphire Preferred Card must earn enough extra (or offer a larger welcome bonus) to justify $95/yr.
Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published October 12, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.