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Head-to-head, 2026

Chase Sapphire Reserve 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.

Lower annual fee: U.S. Bank Shopper Cash Rewards® Visa Signature® CardBigger welcome offer: Chase Sapphire Reserve

Chase

Sapphire Reserve

Annual fee
$795
Network
visa
Welcome value
$2,000
Min spend
$6,000 / 3mo

Top earning rates

  • 10×Eligible Peloton equipment and accessory purchases over $150
  • 8×Chase Travel purchases
  • 5×Lyft rides
  • 4×Flights and hotels booked direct

Key benefits

  • Common Carrier Travel Accident Insurance · $1000000
  • 24-Hour Travel Accident Insurance · $100000
  • Emergency Evacuation and Transportation · $100000
  • Auto Rental Collision Damage Waiver · $75000
  • Trip Cancellation and Interruption Insurance · $10000
Full Chase Sapphire Reserve review

U.S. Bank

Shopper Cash Rewards® Visa Signature® Card

Annual fee
$95
Network
visa
Welcome value
$250
Min spend
$2,000 / 4mo

Top earning rates

  • 6×Retailers
  • 5.5×Hotel, car rental
  • 3×Wholesale clubs, gas, utilities
  • 1.5×All purchases

Key benefits

  • Visa Signature Benefits · $0
  • No Foreign Transaction Fees · $0
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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