Which card has a lower annual fee, Prime Visa or U.S. Bank Cash+ Visa Signature Card?

The Prime Visa has no annual fee, compared to $0 for the U.S. Bank Cash+ Visa Signature Card.

Which card earns more cash back, Prime Visa or U.S. Bank Cash+ Visa Signature Card?

The Prime Visa earns 1.0% base cash back, while the U.S. Bank Cash+ Visa Signature Card earns 1.0%. The best choice depends on your spending habits. Use the calculator to see which card earns you more.

Is the Prime Visa better than the U.S. Bank Cash+ Visa Signature Card?

It depends on your spending. If you spend more on categories where the Prime Visa offers higher rewards, it may be better. Use our calculator to compare based on your actual monthly spending.

Prime Visa vs U.S. Bank Cash+® Visa Signature® Card: Which Card Wins for Your Spending?

Which earns more for you?

Flights

Hotels

Other travel

Dining

Groceries

Gas

Special categories

Everything else

Monthly spending. We rank on rewards minus the full annual fee, so statement credits and perks are listed separately and never counted for you.

Choosing between the Prime Visa (no annual fee) and the U.S. Bank Cash+® Visa Signature® Card (no annual fee) comes down to where you spend most. Neither card has an annual fee, so it comes down to where you spend: Prime Visa earns more on dining and gas, U.S. Bank Cash+ on groceries. Enter your monthly spending above to see which comes out ahead for you.

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Meet the Contenders

Prime Visa

Strongest in dining at 2%. 5% at Amazon.com, Whole Foods, and Chase Travel; 2% on dining, gas, and transit.

Annual fee: None Sign-up bonus: $150 after $0 spend in 1 months Foreign fees: 0%

Perfect if: You want solid rewards without paying an annual fee.

Apply Now

U.S. Bank Cash+ Visa Signature Card

Strongest in groceries at 2%. 5% on two chosen categories up to $2,000/quarter, 2% on one everyday.

Annual fee: None Sign-up bonus: $200 after $1,000 spend in 90 days Foreign fees: 3%

Perfect if: You want solid rewards without paying an annual fee.

Apply Now

Head-to-Head Comparison

Feature	Prime Visa	U.S. Bank Cash+ Visa Signature Card
Annual Fee	$0	$0
Sign-Up Bonus	$150 after $0 spend in 1 months	$200 after $1,000 spend in 90 days
Foreign Transaction Fee	0%	3%
Base Reward Rate	1%	1%
Dining Rewards	2%	1%
Groceries Rewards	1%	2%
Gas Rewards	2%	1%
Rates with conditions not counted in the rows above	5% through Chase Travel Earns 5% only on travel booked through Chase Travel, Chase's own booking site. Booking direct with an airline or hotel earns 1%.	5% on prepaid travel through the U.S. Bank Travel Center Earns 5% only on prepaid hotels and car rentals booked through the U.S. Bank Travel Center. Travel booked anywhere else earns 1%.
Key Benefits	5% at Amazon.com, Whole Foods, and Chase Travel; 2% on dining, gas, and transit.	5% on two chosen categories up to $2,000/quarter, 2% on one everyday.

The Verdict

Prime Visa pulls ahead for dining, gas spending.

U.S. Bank Cash+ Visa Signature Card wins on groceries.

Not sure which fits your life? Enter your spending below and we’ll do the math. The calculator ranks purely on rewards minus the full annual fee, so credits and perks are yours to judge.