Chase Sapphire Preferred® Card vs U.S. Bank Cash+ Secured Visa Card
Chase Sapphire Preferred® Card earns more in 11 of the 20 categories we track. U.S. Bank Cash+ Secured Visa Card has the lower annual fee.
The basics
| Detail | Chase Sapphire Preferred® Card | U.S. Bank Cash+ Secured Visa Card |
|---|---|---|
| Annual fee | $95 | None |
| Card type | Personal | Personal |
| Rewards | Chase Ultimate Rewards | Cash Back |
| Each point is worth | 1.70¢ | 1.00¢ |
| Everywhere else | 1x | 1x |
| Welcome bonus | 75,000 Chase Ultimate Rewards after $5,000 in 3 months | — |
What each earns
| Category | Chase Sapphire Preferred® Card | U.S. Bank Cash+ Secured Visa Card |
|---|---|---|
| Card Travel Portals | 8.5% (higher) 5x | 5.0% 5x |
| Dining & Restaurants | 5.1% (higher) 3x | 2.0% 2x |
| Streaming | 5.1% (higher) 3x | 5.0% 5x, up to $2,000 |
| Gas Stations | 5.1% (higher) 3x | 2.0% 2x |
| EV Charging | 5.1% (higher) 3x | 2.0% 2x |
| Meal Kits & Grocery Delivery | 5.1% (higher) 3x | 1.0% 1x |
| Rideshare & Transit | 3.4% 2x | 5.0% (higher) 5x, up to $2,000 |
| Utilities | 1.7% 1x | 5.0% (higher) 5x, up to $2,000 |
| Internet & Cable | 1.7% 1x | 5.0% (higher) 5x, up to $2,000 |
| Department Stores | 1.7% 1x | 5.0% (higher) 5x, up to $2,000 |
| Phone & Wireless | 1.7% 1x | 5.0% (higher) 5x, up to $2,000 |
| Electronics Stores | 1.7% 1x | 5.0% (higher) 5x, up to $2,000 |
| Entertainment | 1.7% 1x | 5.0% (higher) 5x, up to $2,000 |
| Gym & Fitness | 1.7% 1x | 5.0% (higher) 5x, up to $2,000 |
| Travel | 3.4% (higher) 2x | 1.0% 1x |
| Airfare | 3.4% (higher) 2x | 1.0% 1x |
| Car Rentals | 3.4% (higher) 2x | 1.0% 1x |
| Hotels & Lodging | 3.4% (higher) 2x | 1.0% 1x |
| Groceries | 1.7% 1x | 2.0% (higher) 2x |
| Everything else | 1.7% (higher) 1x | 1.0% 1x |
Returns are the points per dollar times what a point is worth, using your smart setting. Caps and rotating categories change what you actually earn. How we value rewards
The better question is which one adds more to the cards you already have.
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