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All comparisons
Head-to-head, 2026

Chase Sapphire Preferred U.S. Bank Shopper Cash Rewards® Visa Signature® Card

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

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

Shopper Cash Rewards® Visa Signature® Card

Annual fee
$95
Network
visa
Welcome value
—
Min spend
—

Top earning rates

  • 6×selected retailers
  • 5.5×travel
  • 3×everyday category
  • 1.5×all other purchases

Key benefits

  • Annual Fee Waived First Year · $95
  • LED Contactless Payment Light · $10
Full U.S. Bank Shopper Cash Rewards® 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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