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

Two excellent cards with accelerated cash back on rotating categories.

Last updated:

We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.

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® offers a long 0% 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

Chase Freedom®

Chase Freedom®

finder.com's rating
finder.com's rating Not rated yet

★★★★★

4.4 / 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

$150 after spending $500 in the first 90 days

$150 cash back after spending $500 in the first 3 months

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% after that and on all other purchases

Purchase APR (annual percentage rate)
Purchase APR (annual percentage rate)

15.49% to 24.99% variable

0% intro APR for 15 months, and then 16.49% to 25.24% variable

Annual fee
Annual fee $0 $0
Balance transfers
Balance transfers

APR: 0% intro APR for 12 billing cycles, then 15.49% to 24.99% variable

Fee:  $5 or 3% of the transaction, whichever is greater ​ ​ ​

APR: 0% intro APR for 15 months, then 16.49% to 25.24% variable

Fee:  ​ ​ ​

Cash advance
Cash advance

APR: 25.49% variable

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

APR: 26.49% variable

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

Foreign transaction fee
Foreign transaction fee 3% of each transaction 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
Rates and Fees
Rates and Fees Rates & Fees Rates & Fees
Learn more
Learn more

Which card should you choose?

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 $150 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 15.49% to 24.99% applies thereafter.

Chase Freedom®

Chase Freedom®

  • Easy-to-earn cash signup bonus
  • Accelerated cash back in quarterly rotating categories and flat cash back on all other purchases
  • Intro APR on purchases and balance transfers

Compare credit cards

Name Product Welcome offer Rewards Annual fee Filter values
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
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & fees
Capital One® Quicksilver® Cash Rewards Credit Card
$150 cash back after spending $500 in the first 3 months
1.5% cash back on all purchases
$0
Earn unlimited 1.5% cash back on every purchase, every day.
CardMatch™ from creditcards.com
See terms
See terms
See terms
Can't decide on a card? Get personalized credit card offers with CardMatch™.
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
6% cash back at US supermarkets. Rates & fees
Chase Freedom Unlimited®
$150 after spending $500 in the first 3 months
1.5% cash back on all purchases
$0
Earn a $150 signup bonus after spending $500 in the first 3 months from account opening.

Compare up to 4 providers

Compare Chase credit cards

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site