Imagine Visa Credit Card vs U.S. Bank Cash+® Visa Signature® Card
The Imagine Visa Credit Card leads on gas stations; the U.S. Bank Cash+® Visa Signature® Card leads on telecom. See category winners and spend scenarios below.
Card data as of October 12, 2026.
- Imagine Visa Credit Card
WebBank · $99 or $125 or $175/yr by version (set at approval)
U.S. Bank Cash+® Visa Signature® CardU.S. Bank · No annual fee
Overview
- Annual fee
- Imagine Visa Credit Card$99 or $125 or $175$99 ($400 initial limit (first year)) or $125 ($500 initial limit (first year)) or $175 ($700 or $1,000 initial limit (first year)), set at approvalU.S. Bank Cash+® Visa Signature® Card$0
- Welcome offerCurrent public offer
- Imagine Visa Credit Card—U.S. Bank Cash+® Visa Signature® Card$200 cash back
- Rewards
- Imagine Visa Credit Card—U.S. Bank Cash+® Visa Signature® CardCash back
- Foreign transaction fee
- Imagine Visa Credit Card3%U.S. Bank Cash+® Visa Signature® Card3%
- Network
- Imagine Visa Credit CardVisaU.S. Bank Cash+® Visa Signature® CardVisa Signature
Earn ratesPer $1 spent · points and cash back aren’t ranked against each other
- Cable TV
- Imagine Visa Credit Card1xU.S. Bank Cash+® Visa Signature® Card5%
- Department Stores
- Imagine Visa Credit Card1xU.S. Bank Cash+® Visa Signature® Card5%
- Electronics
- Imagine Visa Credit Card1xU.S. Bank Cash+® Visa Signature® Card5%
- Fast Food
- Imagine Visa Credit Card1xU.S. Bank Cash+® Visa Signature® Card5%
- Fitness
- Imagine Visa Credit Card1xU.S. Bank Cash+® Visa Signature® Card5%
- Movie Theaters
- Imagine Visa Credit Card1xU.S. Bank Cash+® Visa Signature® Card5%
- Sporting Goods
- Imagine Visa Credit Card1xU.S. Bank Cash+® Visa Signature® Card5%
- Streaming
- Imagine Visa Credit Card1xU.S. Bank Cash+® Visa Signature® Card5%
- Telecom
- Imagine Visa Credit Card1xU.S. Bank Cash+® Visa Signature® Card5%
- Transit
- Imagine Visa Credit Card1xU.S. Bank Cash+® Visa Signature® Card5%
- Utilities
- Imagine Visa Credit Card3xU.S. Bank Cash+® Visa Signature® Card5%
- Gas Stations
- Imagine Visa Credit Card3xU.S. Bank Cash+® Visa Signature® Card2%
- Grocery Stores
- Imagine Visa Credit Card3xU.S. Bank Cash+® Visa Signature® Card2%
- Dining
- Imagine Visa Credit Card1xU.S. Bank Cash+® Visa Signature® Card2%
- Everything else
- Imagine Visa Credit Card1xU.S. Bank Cash+® Visa Signature® Card1%
Perks & access— means none on record
- Other perks
- Imagine Visa Credit Card
- Easy account management online and mobile
- Unsecured card—no deposit needed
U.S. Bank Cash+® Visa Signature® CardNot yet documented
Protections & insuranceLimits where published · — means none on record
- Other protections
- Imagine Visa Credit Card
- 3-bureau credit reporting
- $0 fraud liability—you're protected
U.S. Bank Cash+® Visa Signature® CardNot yet documented
Pros & cons
- Pros
- Imagine Visa Credit Card
- No security deposit required (unsecured card)
- Reports to all three major credit bureaus (Experian, Equifax, TransUnion)
- Available to consumers with poor or limited credit
- Earns 3% cash back on gas, grocery, and utility purchases, 1% elsewhere
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
- Imagine Visa Credit Card
- High annual fee ($99 to $175 in the first year depending on initial credit limit, then $49 a year)
- Additional monthly maintenance fee ($15/month after the first 12 months) and a $2 monthly paper statement fee
- Very high APR (36%)
- Cash back redeems only as an automatic annual statement credit
- Low initial credit limit (typically $300)
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 Imagine Visa Credit Card wins in 2 of 2 categories. The U.S. Bank Cash+® Visa Signature® Card leads in 0. 13 more categories depend on booking channel or caps.
Gas Stations
Imagine Visa Credit Card earns 3X vs 2X
Grocery Stores
Imagine Visa Credit Card earns 3X vs 2X
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; Imagine Visa Credit Card earns 3X (3X 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; Imagine Visa Credit Card 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; Imagine Visa Credit 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; Imagine Visa Credit 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; Imagine Visa Credit 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; Imagine Visa Credit 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; Imagine Visa Credit 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; Imagine Visa Credit 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; Imagine Visa Credit Card earns 1X (1X without restrictions)
Travel
Depends: via issuer travel portal
U.S. Bank Cash+® Visa Signature® Card earns 5X when conditions are met; Imagine Visa Credit 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; Imagine Visa Credit 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; Imagine Visa Credit Card earns 1X (1X without restrictions)
Dining
Depends: 2% applies only if restaurants is the one everyday category you choose each quarter.
U.S. Bank Cash+® Visa Signature® Card earns 2X when conditions are met; Imagine Visa Credit 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.
| Scenario | Imagine Visa Credit Card | U.S. Bank Cash+® Visa Signature® Card | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $180 Credits (our usable estimate): $0 Annual fee $99 ($400 initial limit (first year)) or $125 ($500 initial limit (first year)) or $175 ($700 or $1,000 initial limit (first year)), set at approval; net est. $81 ($400 initial limit (first year)) or $55 ($500 initial limit (first year)) or $5 ($700 or $1,000 initial limit (first year)) Ongoing: — Year one: — | Rewards: $120 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $120 Year one: $320 | — | — |
| Heavy spender: $4,000/month | Rewards: $720 Credits (our usable estimate): $0 Annual fee $99 ($400 initial limit (first year)) or $125 ($500 initial limit (first year)) or $175 ($700 or $1,000 initial limit (first year)), set at approval; net est. $621 ($400 initial limit (first year)) or $595 ($500 initial limit (first year)) or $545 ($700 or $1,000 initial limit (first year)) Ongoing: — Year one: — | Rewards: $480 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $480 Year one: $680 | — | — |
Which Card Is Right for You?
Get the U.S. Bank Cash+® Visa Signature® Card if you:
- +Spend $300+/month on restaurants and dining out
Frequently Asked Questions
- Which card earns more rewards, the Imagine Visa Credit 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 Imagine Visa Credit Card or the U.S. Bank Cash+® Visa Signature® Card?
- Choose based on which bonus categories and benefits 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 October 12, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.