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Head-to-head, 2026

Chase Sapphire Preferred U.S. Bank Business Leverage Visa Signature Card

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

Bigger welcome offer: Chase Sapphire Preferred

Chase

Sapphire Preferred

Annual fee
$95
Network
visa
Welcome value
$750
Min spend
$4,000 / 3mo

Top earning rates

  • 5×travel · Chase Ultimate Rewards
  • 3×dining · Chase Ultimate Rewards
  • 3×online grocery · Chase Ultimate Rewards
  • 3×streaming services · Chase Ultimate Rewards

Key benefits

  • Primary Auto Rental CDW · $150
  • DoorDash DashPass · $120
  • Trip Cancellation/Interruption Insurance · $100
  • $50 Hotel Credit · $50
  • No Foreign Transaction Fees · $50
Full Chase Sapphire Preferred review

U.S. Bank

Business Leverage Visa Signature Card

Annual fee
$95
Network
visa
Welcome value
$600
Min spend
$6,000 / 4mo

Top earning rates

  • 2×top two spending categories each month
  • 1×all other purchases

Key benefits

  • 2% Top Two Spend Categories · $500
  • 1% Base Rewards Rate · $250
  • 5% Travel Center Rewards · $150
  • U.S. Bank Spend Management Access · $100
  • No Foreign Transaction Fees · $75
Full U.S. Bank Business Leverage 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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