Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
Annual fees: Universal Rewards Plus Visa Signature® $99/yr, Universal Rewards Visa Signature® $0/yr. Strongest bonus categories: Universal Rewards Plus Visa Signature® on dining, Universal Rewards Visa Signature® on everyday spending.
Card data as of September 27, 2026.
First National Bank of Omaha
First National Bank of Omaha
Annual Fee
Welcome Bonus
| Category | Universal Rewards Plus Visa Signature® | Universal Rewards Visa Signature® |
|---|---|---|
| Dining | 2X | 1X |
| Gas Stations | 2X |
The Universal Rewards Plus Visa Signature® wins in 3 of 3 categories. The Universal Rewards Visa Signature® leads in 0.
Dining
Universal Rewards Plus Visa Signature® earns 2X vs 1X
Gas Stations
Universal Rewards Plus Visa Signature® earns 2X vs 1X
Travel
Universal Rewards Plus Visa Signature® earns 2X vs 1X
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 | Universal Rewards Plus Visa Signature® | Universal Rewards Visa Signature® | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $162 Credits (our usable estimate): $0 − Annual fee ($99) Ongoing: $63 Year one: $313 | Rewards: $120 Credits (our usable estimate): $0 − Annual fee ($0) |
The better card depends on how much you spend.
Published annual fees: Universal Rewards Plus Visa Signature® $99/yr, Universal Rewards Visa Signature® $0/yr — a $99 difference before welcome offers and credits.
| 1X |
| Travel | 2X | 1X |
| Everything Else | 1X | 1X |
Network
Key Benefits
| Universal Rewards Visa Signature® |
| Universal Rewards Plus Visa Signature® |
| Heavy spender: $4,000/month | Rewards: $648 Credits (our usable estimate): $0 − Annual fee ($99) Ongoing: $549 Year one: $799 | Rewards: $480 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $480 Year one: $630 | Universal Rewards Plus Visa Signature® | Universal Rewards Plus Visa Signature® |
The Universal Rewards Plus Visa Signature® costs $99/yr — that's $99 more than the Universal Rewards Visa Signature® (no annual fee). To justify that gap, you need to extract at least $99 in annual value from the card's higher earn rates and benefits.
The Universal Rewards Plus Visa Signature® includes lounge access. Those perks are not included in the earn-rate scenario table above — compare their dollar value to the $99 fee gap for your own usage.
Bottom line: Use the year-one vs ongoing table for modeled earn value at your spend level. The $99 fee gap means the Universal Rewards Plus Visa Signature® needs roughly $99 more in annual rewards (or credits you will use) to break even on dining and gas stations and everyday spend.
Choosing one card means missing out on these benefits from the other.
Choosing Universal Rewards Visa Signature® means losing:
Get the Universal Rewards Plus Visa Signature® if you:
Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
