CardRewardsEditorial 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 Universal Rewards Visa Signature® ($0/yr) is better for everyday value, while the Universal Rewards Plus Visa Signature® ($99/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.
First National Bank of Omaha
First National Bank of Omaha
Annual Fee
Welcome Bonus
| Category | Universal Rewards Plus Visa Signature® | Universal Rewards Visa Signature® |
|---|---|---|
| Universal | 4X | 2X |
| Dining | 2X |
The Universal Rewards Plus Visa Signature® wins in 4 of 4 categories. The Universal Rewards Visa Signature® leads in 0.
Universal
Universal Rewards Plus Visa Signature® earns 4X vs 2X
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
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.
Bottom line: The $99 difference is small enough that the Universal Rewards Plus Visa Signature®'s extra perks make it worth considering for most cardholders.
Get the Universal Rewards Plus Visa Signature® if you:
Get the Universal Rewards Visa Signature® if you:
The Universal Rewards Visa Signature® has a lower annual fee ($0 vs $99), making it the more accessible option.
Choose the Universal Rewards Visa Signature® if you want solid rewards with a lower cost of entry. Choose the Universal Rewards Plus Visa Signature® 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 Universal Rewards Visa Signature® ($0/yr) is better for everyday value, while the Universal Rewards Plus Visa Signature® ($99/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.
First National Bank of Omaha
First National Bank of Omaha
Annual Fee
Welcome Bonus
| Category | Universal Rewards Plus Visa Signature® | Universal Rewards Visa Signature® |
|---|---|---|
| Universal | 4X | 2X |
| Dining | 2X |
The Universal Rewards Plus Visa Signature® wins in 4 of 4 categories. The Universal Rewards Visa Signature® leads in 0.
Universal
Universal Rewards Plus Visa Signature® earns 4X vs 2X
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
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.
Bottom line: The $99 difference is small enough that the Universal Rewards Plus Visa Signature®'s extra perks make it worth considering for most cardholders.
Get the Universal Rewards Plus Visa Signature® if you:
Get the Universal Rewards Visa Signature® if you:
The Universal Rewards Visa Signature® has a lower annual fee ($0 vs $99), making it the more accessible option.
Choose the Universal Rewards Visa Signature® if you want solid rewards with a lower cost of entry. Choose the Universal Rewards Plus Visa Signature® 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 Universal Rewards Visa Signature® ($0/yr) is better for everyday value, while the Universal Rewards Plus Visa Signature® ($99/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.
First National Bank of Omaha
First National Bank of Omaha
Annual Fee
Welcome Bonus
| Category | Universal Rewards Plus Visa Signature® | Universal Rewards Visa Signature® |
|---|---|---|
| Universal | 4X | 2X |
| Dining | 2X |
The Universal Rewards Plus Visa Signature® wins in 4 of 4 categories. The Universal Rewards Visa Signature® leads in 0.
Universal
Universal Rewards Plus Visa Signature® earns 4X vs 2X
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
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.
Bottom line: The $99 difference is small enough that the Universal Rewards Plus Visa Signature®'s extra perks make it worth considering for most cardholders.
Get the Universal Rewards Plus Visa Signature® if you:
Get the Universal Rewards Visa Signature® if you:
The Universal Rewards Visa Signature® has a lower annual fee ($0 vs $99), making it the more accessible option.
Choose the Universal Rewards Visa Signature® if you want solid rewards with a lower cost of entry. Choose the Universal Rewards Plus Visa Signature® 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.
| Gas Stations | 2X | 1X |
| Travel | 2X | 1X |
| Everything Else | 1X | 1X |
Network
Key Benefits
| Gas Stations | 2X | 1X |
| Travel | 2X | 1X |
| Everything Else | 1X | 1X |
Network
Key Benefits
| Gas Stations | 2X | 1X |
| Travel | 2X | 1X |
| Everything Else | 1X | 1X |
Network
Key Benefits