IHG One Rewards Credit Card vs U.S. Bank Cash+® Visa Signature® Card
Both cards cost $0/yr. The IHG One Rewards Credit Card leads on dining; the U.S. Bank Cash+® Visa Signature® Card on telecom.
Card data as of November 13, 2026.
IHG One Rewards Credit CardChase · No annual fee
U.S. Bank Cash+® Visa Signature® CardU.S. Bank · No annual fee
Overview
- Annual fee
- IHG One Rewards Credit Card$0U.S. Bank Cash+® Visa Signature® Card$0
- Welcome offerCurrent public offer
- IHG One Rewards Credit Card125,000 pointsU.S. Bank Cash+® Visa Signature® Card$200 cash back
- Rewards
- IHG One Rewards Credit CardIHG One RewardsU.S. Bank Cash+® Visa Signature® CardCash back
- Foreign transaction fee
- IHG One Rewards Credit CardNoneLowestU.S. Bank Cash+® Visa Signature® Card3%
- Network
- IHG One Rewards Credit CardMastercard World EliteU.S. Bank Cash+® Visa Signature® CardVisa Signature
Earn ratesPer $1 spent · points and cash back aren’t ranked against each other
- Cable TV
- IHG One Rewards Credit Card2xU.S. Bank Cash+® Visa Signature® Card5%
- Department Stores
- IHG One Rewards Credit Card2xU.S. Bank Cash+® Visa Signature® Card5%
- Electronics
- IHG One Rewards Credit Card2xU.S. Bank Cash+® Visa Signature® Card5%
- Fast Food
- IHG One Rewards Credit Card2xU.S. Bank Cash+® Visa Signature® Card5%
- Fitness
- IHG One Rewards Credit Card2xU.S. Bank Cash+® Visa Signature® Card5%
- Movie Theaters
- IHG One Rewards Credit Card2xU.S. Bank Cash+® Visa Signature® Card5%
- Sporting Goods
- IHG One Rewards Credit Card2xU.S. Bank Cash+® Visa Signature® Card5%
- Streaming
- IHG One Rewards Credit Card2xU.S. Bank Cash+® Visa Signature® Card5%
- Telecom
- IHG One Rewards Credit Card2xU.S. Bank Cash+® Visa Signature® Card5%
- Transit
- IHG One Rewards Credit Card2xU.S. Bank Cash+® Visa Signature® Card5%
- Utilities
- IHG One Rewards Credit Card2xU.S. Bank Cash+® Visa Signature® Card5%
- Dining
- IHG One Rewards Credit Card3xU.S. Bank Cash+® Visa Signature® Card2%
- Gas Stations
- IHG One Rewards Credit Card3xU.S. Bank Cash+® Visa Signature® Card2%
- Grocery Stores
- IHG One Rewards Credit Card3xU.S. Bank Cash+® Visa Signature® Card2%
- Everything else
- IHG One Rewards Credit Card2xU.S. Bank Cash+® Visa Signature® Card1%
Statement creditsAs the issuer states them · — means none on record
- Dining & delivery
- IHG One Rewards Credit Card
- DoorDash DashPass
- $10/mo Instacart+
U.S. Bank Cash+® Visa Signature® CardNot yet documented
Perks & access— means none on record
- Hotel status & programs
- IHG One Rewards Credit Card
- Gold Elite after $15,000 in calendar-year purchases
- IHG Silver Elite status
- 4th Reward Night Free on Points Stays
U.S. Bank Cash+® Visa Signature® CardNot yet documented - Other perks
- IHG One Rewards Credit Card
- $0 Foreign Transaction Fees
- 30% off reward points
U.S. Bank Cash+® Visa Signature® CardNot yet documented
Protections & insuranceLimits where published · — means none on record
- Trip insurance
- IHG One Rewards Credit Card
- Trip Cancellation/Trip Interruption Insurance · up to $5,000
U.S. Bank Cash+® Visa Signature® CardNot yet documented - Baggage
- IHG One Rewards Credit Card
- Baggage Delay Insurance · up to $100
- Lost Luggage Reimbursement · up to $3,000
U.S. Bank Cash+® Visa Signature® CardNot yet documented - Purchase & returns
- IHG One Rewards Credit Card
- Purchase Protection · up to $500
U.S. Bank Cash+® Visa Signature® CardNot yet documented
Pros & cons
- Pros
- IHG One Rewards Credit Card
- No annual fee with automatic Silver Elite status
- Fourth night free on reward stays of 4+ nights (from 2027, after $5,000 of annual spend)
- 3x earning on dining, grocery stores and gas stations
- 2x earning on all other purchases (above-average base rate)
- Path to Gold Elite with $15,000 annual spend
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
- IHG One Rewards Credit Card
- Silver Elite status provides minimal benefits
- Lower earning rate at IHG properties (5x vs 10x on Premier)
- Only 5 Elite Night Credits a year
- No annual free night certificate
- $15,000 spend requirement for Gold status is steep
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 IHG One Rewards Credit 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
IHG One Rewards Credit Card earns 3X vs 2X
Gas Stations
IHG One Rewards Credit Card earns 3X vs 2X
Grocery Stores
IHG One Rewards Credit Card earns 3X vs 2X
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; IHG One Rewards Credit Card earns 2X (2X 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; IHG One Rewards Credit Card earns 2X (2X 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; IHG One Rewards Credit Card earns 2X (2X 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; IHG One Rewards Credit Card earns 2X (2X 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; IHG One Rewards Credit Card earns 2X (2X 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; IHG One Rewards Credit Card earns 2X (2X 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; IHG One Rewards Credit Card earns 2X (2X 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; IHG One Rewards Credit Card earns 2X (2X without restrictions)
Travel
Depends: via issuer travel portal
U.S. Bank Cash+® Visa Signature® Card earns 5X when conditions are met; IHG One Rewards Credit Card earns 2X (2X 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; IHG One Rewards Credit Card earns 2X (2X 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; IHG One Rewards Credit Card earns 2X (2X 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; IHG One Rewards Credit Card earns 2X (2X without restrictions)
Everyday purchases
IHG One Rewards Credit Card earns 2X on all other spending vs 1X
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 IHG One Rewards Credit Card on net value (rewards, usable credits, fees, and welcome offer).
| Scenario | IHG One Rewards Credit Card | U.S. Bank Cash+® Visa Signature® Card | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $173 Credits (our usable estimate): $15 − Annual fee ($0) Ongoing: $188 Year one: $938 | Rewards: $120 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $120 Year one: $320 | IHG One Rewards Credit Card | IHG One Rewards Credit Card |
| Heavy spender: $4,000/month | Rewards: $691 Credits (our usable estimate): $15 − Annual fee ($0) Ongoing: $706 Year one: $1,456 | Rewards: $480 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $480 Year one: $680 | IHG One Rewards Credit Card | IHG One Rewards Credit Card |
Which Card Is Right for You?
Get the IHG One Rewards Credit Card if you:
- +Prefer a high flat rate across all spending
The Bottom Line
Both scenarios favor the IHG One Rewards Credit Card on net value (rewards, usable credits, fees, and welcome offer).
Everyday (non-bonus) spend earns 2X on the IHG One Rewards Credit Card vs 1X on the other card.
Frequently Asked Questions
- Which card earns more rewards, the IHG One Rewards Credit Card or U.S. Bank Cash+® Visa Signature® Card?
- The IHG One Rewards Credit Card has a higher base earn rate (2X vs 1X), but both cards have different bonus categories where they excel.
- Should I get the IHG One Rewards Credit Card 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.