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Head-to-head, 2026

Chase Sapphire Preferred U.S. Bank Business Essentials Plus Visa Signature Card

Annual fee, welcome offer, top earning categories, and key benefits — compared side-by-side using Perqt's catalog data.

Lower annual fee: Chase Sapphire PreferredBigger welcome offer: Chase Sapphire Preferred

Chase

Sapphire Preferred

Annual fee
$95
Network
visa
Welcome value
~$1,538
Min spend
$5,000 / 3mo

Top earning rates

  • 5×Chase Travel purchases · Ultimate Rewards
  • 5×Peloton equipment and accessory purchases over $150 · Ultimate Rewards
  • 5×Lyft rides · Ultimate Rewards
  • 3×Online groceries · Ultimate Rewards

Key benefits

  • Complimentary Apple TV · $180
  • Global Entry, TSA PreCheck or NEXUS fee credit · $120
  • Complimentary DashPass Membership · $120
  • $100 Chase Travel Hotel Credit · $100
  • Monthly DoorDash non-restaurant discount · $10
Full Chase Sapphire Preferred review

U.S. Bank

Business Essentials Plus Visa Signature Card

Annual fee
$295
Network
visa
Welcome value
$1,000
Min spend
$15,000 / 5mo

Top earning rates

  • 10×Prepaid hotels and car rentals · U.S. Bank Business Essentials Plus cash back
  • 5×Top eligible spend category each month · U.S. Bank Business Essentials Plus cash back
  • 2×All other purchases · U.S. Bank Business Essentials Plus cash back

Key benefits

  • No benefits on file
Full U.S. Bank Business Essentials Plus Visa Signature Card review

Wondering which one is right for your wallet?

Spec sheets can't tell you which card actually earns more for the way you spend. Perqt connects to your wallet, runs the math against your real transactions, and tells you which of these two — or another card entirely — gives you the biggest annual uplift.

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