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U.S. Bank Cash+™ Visa Signature® Card vs Chase Freedom Flex℠

Two excellent cards with accelerated cash back on rotating categories.

Updated

Fact checked
With the U.S. Bank Cash+™ Visa Signature® Card, you get to choose which categories will earn 5% cash back each quarter, and you get a larger variety of categories to choose from. On the other hand, the Chase Freedom Flex℠ offers a long intro APR period on purchases, something the other card lacks. Both cards have a $0 annual fee.

U.S. Bank Cash+™ Visa Signature® Card

U.S. Bank Cash+™ Visa Signature® Card

Rates & Fees

Chase Freedom Flex℠

Chase Freedom Flex℠

Rates & Fees

finder.com's rating
finder.com's rating

★★★★★

4.4 / 5.0

★★★★★

4.7 / 5.0
Best for
Best for
  • Cash back in rotating categories of your choice
  • Long intro APR period and cash back in rotating categories
Welcome offer
Welcome offer

$200 after spending $500 in the first 90 days

$200 after spending $500 in the first 3 months, plus 5% cash back at grocery stores on up to $12,000 in the first year

Rewards
Rewards

5% on up to $2,000 each activated quarter on two categories combined (1% after), 2% on one everyday category and 1% on all other purchases

5% back in rotating categories up to $1,500 combined each activated quarter (then 1%), 5% on travel purchased through Chase, 3% on dining and drugstores, and 1% on all other purchases

Purchase APR
Purchase APR

13.99% to 23.99% variable

0% intro APR for 15 months, and then 14.99% to 23.74% variable

Annual fee
Annual fee $0 $0
Balance transfer APR
Balance transfer APR

0% intro APR for 12 billing cycles, then 13.99% to 23.99% variable

14.99% to 23.74% variable

Cash advance
Cash advance

APR: 23.99% variable

Fee: $10 or 4% of the transaction, whichever is greater

APR: 24.99% variable

Fee: $10 or 5% of the transaction, whichever is greater

Foreign transaction fee
Foreign transaction fee 3% of each transaction or $2, whichever is greater 3% of each transaction
Late payment fee
Late payment fee Up to $39 Up to $39
Additional cardholder fee
Additional cardholder fee $0 $0
Interest-free period
Interest-free period 30 days 21 days
Minimum interest
Minimum interest $2 $0
Minimum credit score
Minimum credit score 670 670
Card type
Card type Credit Credit
Learn more
Learn more

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Summary of card features

U.S. Bank Cash+™ Visa Signature® Card

U.S. Bank Cash+™ Visa Signature® Card

  • Earn cash back. Earn 5% cash back on two categories of your choosing on up to $2,000 in combined purchases each quarter you activate, then 1%. You'll also earn unlimited 2% back on one everyday category of your choosing, like gas or groceries. For all other purchases, you'll get 1% back.
  • Signup bonus. Score a $200 bonus after spending $500 on purchases in the first 90 days of card membership.
  • Intro APR period on balance transfers. Enjoy a 0% intro APR period on balance transfers for the first 12 billing cycles following your account opening. A variable APR of 13.99% to 23.99% applies thereafter.

Chase Freedom Flex℠

Chase Freedom Flex℠

  • Huge potential signup bonus worth up to $800
  • 5% back in rotating categories on up to $1,500 quarterly, then 1%
  • 5% on travel purchased through Chase
  • 3% on dining and drugstores
  • 1% on all other purchases
  • Intro APR on purchases

Compare credit cards

Name Product Welcome offer Rewards Annual fee Filter values
Chase Freedom Flex℠
$200 after spending $500 in the first 3 months, plus 5% cash back at grocery stores on up to $12,000 in the first year
5% back in rotating categories up to $1,500 combined each activated quarter (then 1%), 5% on travel purchased through Chase, 3% on dining and drugstores, and 1% on all other purchases
$0
Get up to 5% cashback in rotating and newly added everyday categories. The refreshed Freedom Flex card has lots of earning potential.
Blue Cash Everyday® Card from American Express
$150 after spending $1,000 in the first 3 months
2% at US gas stations and select US department stores, 3% at US supermarkets on up to $6,000 per year, then 1% after that and on all other purchases
$0
Get 3% cash back on groceries on up to $6,000 annually (then 1%) with no annual fee. This is a simple and effective rewards card. Rates & fees
Blue Cash Preferred® Card from American Express
$250 after spending $1,000 in the first 3 months
6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on all other purchases
$95
Perfect for families: Get up to 6% on everyday purchases and a welcome offer worth $250. This heavy-hitter rewards card has uncontested value. Rates & fees
Citi® Double Cash Card
N/A
Up to 2% cash back on purchases (1% when you buy plus 1% as you pay)
$0
Earn up to 2% on every purchase with no annual fee. This is the highest flat-rate cashback card on the market.
Chase Freedom Unlimited®
$200 after spending $500 in the first 3 months, plus 5% cash back at grocery stores on up to $12,000 in the first year
5% cash back on travel purchased through Chase, 5% on Lyft, 3% on dining and drugstores and 1.5% on all other purchases
$0
This solid 1.5% cashback card gets even better with the addition of up to 5% back in categories like travel, drug stores and dining.
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