Choosing between the Bank of America Customized Cash Rewards Credit Card (no annual fee) and the U.S. Bank Cash+ Visa Signature Card (no annual fee) comes down to where you spend most. Both cards can deliver real value — let’s break it down, then run your numbers to find the winner.
Strongest in groceries at 2%. 3% in your choice category, 2% at grocery stores and wholesale clubs (combined $2,500/quarter cap).
Perfect if: You want solid rewards without paying an annual fee.
Apply NowStrongest in travel at 5%. 5% on two chosen categories up to $2,000/quarter, 2% on one everyday.
Perfect if: You want solid rewards without paying an annual fee.
Apply Now| Feature | Bank of America Customized Cash Rewards Credit Card | U.S. Bank Cash+ Visa Signature Card |
|---|---|---|
| Annual Fee | $0 | $0 |
| Sign-Up Bonus | $200 after $1,000 spend in 90 days | $200 after $1,000 spend in 90 days |
| Foreign Transaction Fee | 3% | 3% |
| Base Reward Rate | <strong>1.0%</strong> | <strong>1.0%</strong> |
| Travel Rewards | 1% | <strong>5%</strong> |
| Groceries Rewards | 2% | 2% |
| Key Benefits | 3% in your choice category, 2% at grocery stores and wholesale clubs (combined $2,500/quarter cap). | 5% on two chosen categories up to $2,000/quarter, 2% on one everyday. |
U.S. Bank Cash+ Visa Signature Card wins on travel.
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