Head-to-head · 🇺🇸 United States
Chase Sapphire Preferred vs US Bank Cash+
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
US
Premium
Chase
Chase Sapphire Preferred
VISA
Wins 2 of 10
US
US Bank
US Bank Cash+
VISA
Wins 2 of 10
Verdict
It's a true tie — neither dominates. Pick the one whose boost categories match where you actually spend.
Side-by-side
| Criterion | Chase Sapphire Preferred | US Bank Cash+ |
|---|---|---|
| Annual fee | · $95 | No annual fee |
| Joining fee | = None | = None |
| Top reward rate | = 5% (travel) | = 5% (shopping) |
| Base reward rate | = 1% | = 1% |
| Forex markup | No FX fee | · 3% |
| Welcome bonus | = 60,000 bonus points after spending $4,000 in first 3 months (~$750 in travel) | = $200 statement credit after $1,000 spend in 120 days |
| Fee waiver threshold | = No waiver | = N/A (no fee) |
| Min income | = — | = — |
| Min credit score | · 700 | 670 |
| Editorial rating | 4.7/5 | · 4.4/5 |
Benefits compared
Chase Sapphire Preferred
- 5x points on travel booked through Chase Ultimate Rewards
- 3x on dining (incl. takeout & delivery)
- 2x on all other travel
- 25% more value when redeeming for travel via Chase Ultimate Rewards portal
- No foreign transaction fees
- Trip cancellation/interruption insurance, primary auto rental coverage
US Bank Cash+
- 5% on 2 categories you choose ($2,000 quarterly cap)
- 2% on 1 chosen everyday category (gas, grocery, restaurants)
- 1% on everything else
- No annual fee
- Quarterly category swap
FAQ
›Chase Sapphire Preferred vs US Bank Cash+: which is better?
It's a true tie — pick the one whose boost categories match your spend. Chase Sapphire Preferred wins on 2 criteria, US Bank Cash+ on 2.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use Chase Sapphire Preferred for its best categories, US Bank Cash+ for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Chase Sapphire Preferred: 60,000 bonus points after spending $4,000 in first 3 months (~$750 in travel). US Bank Cash+: $200 statement credit after $1,000 spend in 120 days.