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 Discover it Cash Back (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, and U.S. Bank Cash+ earns at least as much as Discover it Cash Back in every category, more on groceries. Enter your monthly spending above to see which comes out ahead for you.
5% on rotating quarterly categories (up to $1,500/quarter), 1% on everything else. Cashback Match doubles all cash back in first year.
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 | Discover it Cash Back | U.S. Bank Cash+ Visa Signature Card |
|---|---|---|
| Annual Fee | $0 | $0 |
| Sign-Up Bonus | None | $200 after $1,000 spend in 90 days |
| Foreign Transaction Fee | 0% | 3% |
| Base Reward Rate | 1% | 1% |
| Groceries Rewards | 1% | 2% |
| Rates with conditions not counted in the rows above |
None |
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% on rotating quarterly categories (up to $1,500/quarter), 1% on everything else. Cashback Match doubles all cash back in first year. | 5% on two chosen categories up to $2,000/quarter, 2% on one everyday. |
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.