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 Target™ Mastercard® (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: Target Mastercard 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.
Strongest in dining at 2%. 5% off every Target purchase instantly at checkout, plus 2% on dining and gas and 1% elsewhere.
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 | Target Mastercard | 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 | 3% | 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 |
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% off every Target purchase instantly at checkout, plus 2% on dining and gas and 1% elsewhere. | 5% on two chosen categories up to $2,000/quarter, 2% on one everyday. |
Target Mastercard 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.