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 Bank of America® Unlimited 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.
2% first year, then 1.5% unlimited, up to 2.62% with Preferred Rewards. Earns a solid 1.5% on everything else.
Perfect if: You want solid rewards without paying an annual fee.
Apply NowStrongest in groceries at 2%. 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 Unlimited Cash Rewards | U.S. Bank Cash+ Visa Signature Card |
|---|---|---|
| Annual Fee | $0 | $0 |
| Sign-Up Bonus | $200 after $1,000 spend in 90 days | $250 after $1,000 spend in 90 days |
| Foreign Transaction Fee | 3% | 3% |
| Base Reward Rate | 1.5% | 1% |
| Groceries Rewards | 1.5% | 2% |
| Rates with conditions not counted in the rows above |
None |
5% on prepaid travel 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 | 2% first year, then 1.5% unlimited, up to 2.62% with Preferred Rewards. | 5% on two chosen categories up to $2,000/quarter, 2% on one everyday. |
Bank of America Unlimited Cash Rewards pulls ahead for travel, 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.