Chase Freedom Flex Credit Card vs. U.S. Bank Cash+ Visa Signature Card: Which Is Better?

Chase Freedom Flex Credit Card vs. U.S. Bank Cash+ Visa Signature Card: Which Is Better?

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Though the two cards are comparable, the Chase Freedom Flex℠ is a slightly better offer overall. With higher cashback rates, a stronger sign-up bonus and a wider range of benefits, this card narrowly beats the U.S. Bank Cash+™ Visa Signature® Card.

The Chase Freedom Flex℠ and the U.S. Bank Cash+™ Visa Signature® Card have comparable offers — and though there are a number of small differences, the primary distinction is with the rewards categories:

  • Chase automatically assigns its categories each quarter, while you get to choose your two earning categories each quarter with U.S. Bank.
  • However, Chase offers a higher percentage of cash back on its other categories, which are all useful areas for everyday spending.

Chase Freedom Flex℠ card

Earn 5% cash back on eligible purchases in rotating categories, 5% on travel purchased through Chase, 3% on dining and drugstores, and 1% on all other purchases.

U.S. Bank Cash+™ Visa Signature® Card

5% cash back on your first $2,000 in combined eligible net purchases ($100 per quarter) on two categories you choose. That adds up to $400 cash back! It also gives you 2% cash back on one everyday category, like gas stations, grocery stores or restaurants and 1% cash back on all other eligible purchases all the time.

Chase Freedom Flex℠ vs. U.S. Bank Cash+™ Visa Signature® Card: Primary differences

Chase Freedom Flex℠
Chase Freedom Flex℠
unavailable credit card
U.S. Bank Cash+™ Visa Signature® Card
NetworkVisaVisa
RewardsEarn 5% cash back on eligible purchases in rotating categories, 5% on travel purchased through Chase, 3% on dining and drugstores, and 1% on all other purchases.5% cash back on your first $2,000 in combined eligible net purchases ($100 per quarter) on two categories you choose. That adds up to $400 cash back! 2% cash back on one everyday category, like gas stations, grocery stores or restaurants and 1% cash back on all other eligible purchases
Foreign Transaction Fee3% of each transaction in U.S. dollars2% of each foreign purchase transaction or foreign ATM advance transaction in U.S. Dollars; 3% of each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency.
Minimum RedemptionNoneNone
APR14.99% - 23.74% Variable13.99% - 23.99%* (Variable)
Intro APR0% Intro APR on Purchases for 15 months0%* intro APR for 12 billing cycles on balance transfers
Sign-up BonusEarn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. And earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.$150 after you spend $500 in eligible net purchases in the first 90 days of account opening
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Why trust us

We analyzed the features, benefits and drawbacks of both the Chase Freedom Flex℠ card and the U.S. Bank Cash+™ Visa Signature® Card to help you make the best choice for your lifestyle and preferences. Our recommendations are based on evaluating the value of a number of factors, including earning rate, sign-up bonus, intro APR offer, easy of redemption, additional perks and more. Our suggestions are not influenced by our advertisers.

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Compare Chase Freedom Flex℠ Credit Card vs. U.S. Bank Cash+™ Visa Signature® Card: Rewards

The Chase Freedom Flex℠ card lets you Earn 5% cash back on eligible purchases in rotating categories, 5% on travel purchased through Chase, 3% on dining and drugstores, and 1% on all other purchases.

You must activate your 5% bonus cash back each quarter by the activation deadline. You'll want to take a look at Chase's cash back calendar to determine whether its quarterly bonus categories align with your spending habits.

Chase Freedom Flex℠ 5% quarterly cashback 2021 calendar

January - March
April - June
July - September
October - December
  • Wholesale clubs
  • Internet, cable, & phone services
  • Select streaming services
  • Gas stations
  • Home improvement stores
  • Grocery stores (excluding Target® & Walmart®)
  • Select streaming services
  • Walmart and PayPal

The U.S. Bank Cash+™ Visa Signature® Card offers 5% cash back on your first $2,000 in combined eligible net purchases ($100 per quarter) on two categories you choose. That adds up to $400 cash back! It also offers 2% cash back on one everyday category, like Gas Stations, Grocery Stores or Restaurants and 1% cash back on all other eligible purchases.

You must enroll each quarter into your choice U.S. bank categories, or all net purchases will earn no more than 1% cash back. Categories are subject to change quarterly. Unlike the Chase Freedom Flex℠ cashback program, you have the option to choose which categories you earn 5% cash back on each quarter.

U.S. Bank Cash+™ Visa Signature® Card 5% cashback earning categories

  • Fast food
  • Home utilities
  • TV, internet and streaming services
  • Department stores
  • Cellphone providers
  • Electronics stores
  • Sporting goods stores
  • Movie theatres
  • Gyms/fitness centers
  • Furniture stores
  • Ground transportation
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Compare Chase Freedom Flex℠ Credit Card vs. U.S. Bank Cash+™ Visa Signature® Card: Sign-up bonus

The Chase Freedom Flex℠ card offers a higher sign-up bonus than the U.S. Bank Cash+™ Visa Signature® Card. However, both cards offer valuable and attainable sign-up bonuses. If the other elements of the U.S. Bank Cash+™ Visa Signature® Card are more appealing to you, then you may be able to overlook its lesser sign-up bonus.

Chase Freedom Flex℠
U.S. Bank Cash+™ Visa Signature® Card
  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. And earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
  • Earn a $150 after you spend $500 in eligible net purchases in the first 90 days of account opening

Compare Chase Freedom Flex℠ Credit Card vs. U.S. Bank Cash+™ Visa Signature® Card: APR offer

Both cards offer generous intro APR rates, which can be a major benefit to cardholders. However, the Chase Freedom Flex℠ card's offer is longer than the U.S. Bank Cash+™ Visa Signature® Card's offer and includes both purchases and balance transfers. With Chase, you'll get three extra months of a 0% APR on balance transfers as well as a 0% APR on purchases (the U.S. Bank Cash+™ Visa Signature® Card doesn’t include an intro purchase APR). That's something to think about if you're planning to make a balance transfer or would appreciate some leeway paying off your card each month.

Chase Freedom Flex℠ Credit Card
U.S. Bank Cash+™ Visa Signature® Card
  • 0% Intro APR on Purchases for 15 months. After the intro period, an APR of 14.99% - 23.74% Variable applies.
  • 0%* intro APR for 12 billing cycles on balance transfers. After that, an APR of 13.99% - 23.99%* (Variable) applies.

Combining the Chase Freedom Flex℠ and the U.S. Bank Cash+™ Visa Signature® Card

Since both the Chase Freedom Flex℠ and U.S. Bank Cash+™ Visa Signature® Card have a $0 annual fee, a valid strategy involves applying for both. This way, you can combine the 5% cash back you could earn across a wider variety of spending categories and earn more rewards on the majority of your spending in all other categories. Provided you meet the spending requirements on both cards, you could take advantage of both sign-up bonuses as well.

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Which card is best for you?

Chase Freedom Flex℠: Best for optimizers

Though you can't select your earning categories with the Chase Freedom Flex℠, it does offer more flexible bonus categories and higher rates overall. The card also offers a couple of other valuable benefits not included with the U.S. Bank Cash+™ Visa Signature® Card, including:

  • Cellphone protection
  • 5% total cash back on Lyft rides through March 31, 2022
  • A complimentary DashPass subscription for three months on DoorDash and Caviar. After that, you are automatically enrolled in DashPass at 50% off for the next nine months, as long as you activate by Dec. 31, 2021

Finally, the Chase Freedom Flex℠ Card earns Chase Ultimate Rewards® points, which can be extremely valuable when redeemed for travel and transferred to Chase travel partners. Along with a higher sign-up bonus and a 0% intro APR offer on both purchases and balance transfers, the Chase Freedom Flex℠ card will narrowly beat out the U.S. Bank Cash+™ Visa Signature® Card for most consumers.

The U.S. Bank Cash+™ Visa Signature® Card: Good for those with a predictable budget

The U.S. Bank Cash+™ Visa Signature® Card is great for people who tend to shop at the same places and want to retain full control over their U.S. Bank rewards. It excels in this area because it lets you select the categories where you earn the most cash back.

However, the U.S. Bank Cash Plus bonus categories are more narrow, including things like movie theaters, fast food and furniture stores. If you know you'll consistently spend a high amount in these categories for an entire quarter, this card can be a great option. If you'd rather have broader earning capabilities, you'll likely prefer the Chase Freedom Flex℠.

Which card should you choose? Do the math to decide.

It’s a close race between the Chase Freedom Flex℠ and the U.S. Bank Cash+™ Visa Signature® Card. The answer depends on which card best matches your spending patterns. You should do the math to see which card’s categories are likely to award the most cash back on your most common purchases.

The following chart offers an example of how much cash back these cards might earn based on sample spending amounts in some of the cards’ more popular categories. (We’ve based the cashback earnings for the Chase Freedom Flex℠ card on Chase’s 2020 calendar, as the 2021 calendar is not complete yet.)

For our sample consumer, it's a close call. However, the Chase Freedom Flex℠ card earns more cash back overall than the U.S. Bank Cash+™ Visa Signature® Card, thanks to its larger bonus in major spending categories, like gas, groceries and restaurants.

Category yearly spend
Chase Freedom Flex℠ earnings
U.S. Bank Cash+™ Visa Signature® Card earnings
Groceries $4,000$80$80
Restaurants $2,800$84$56
Gas $2,400$48$48
Drugstores $1,200$36$12
*Cellphones $1,200$12$60
Travel $900$45$9
*Streaming $600$18$30
*Internet $720$16$36
Total$339$331

*5% choice category for the U.S. Bank Cash+™ Visa Signature® Card

Bottom line: Between the two cards, the Chase Freedom Flex℠ card will likely be the better choice for most consumers. With more diverse earning categories, a higher sign-up bonus and valuable additional perks and protections, you'll get more out of a rotating card with more general spending categories instead of being locked into two very specific categories for an entire quarter.

Chase Freedom Flex℠ Credit Card vs. U.S. Bank Cash+™ Visa Signature® Card FAQs

What are the categories for the U.S. Bank Cash+™ Visa Signature® Card?

The U.S. Bank Cash+™ Visa Signature® Card's 5% earning categories include: fast food; home utilities; TV, internet and streaming services; department stores; cellphone providers; electronics stores; sporting goods stores; movie theaters; gyms/fitness centers; furniture stores; ground transportation.

What credit score do you need for the U.S. Bank Cash+™ Visa Signature® Card?

You need a credit score of Excellent/Good for the U.S. Bank Cash+™ Visa Signature® Card.

How do I apply for the U.S. Bank Cash+™ Visa Signature® Card?

You can apply for the U.S. Bank Cash+™ Visa Signature® Card by going to the U.S. Bank website and clicking "Apply now". From there, you will be asked to fill out some personal information and you will be guided through the rest of the application process.

Which card is better Chase Freedom Unlimited® or Chase Freedom Flex℠?

There are two Chase Freedom cards, the Chase Freedom Unlimited® and Chase Freedom Flex℠. The two card offers are comparable, but the Chase Freedom Flex℠ offers higher rates of cashback rewards.

The information related to Chase Freedom Unlimited® and the U.S. Bank Cash+™ Visa Signature® Card has been independently collected by ValuePenguin and has not been reviewed or provided by the issuer of this card prior to publication.

These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The products that appear on this site may be from companies from which ValuePenguin receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). ValuePenguin does not include all financial institutions or all products offered available in the marketplace.

How We Calculate Rewards: ValuePenguin calculates the value of rewards by estimating the dollar value of any points, miles or bonuses earned using the card less any associated annual fees. These estimates here are ValuePenguin's alone, not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Example of how we calculate the rewards rates: When redeemed for travel through Ultimate Rewards, Chase Sapphire Preferred points are worth $0.0125 each. The card awards 2 points on travel and dining and 1 point on everything else. Therefore, we say the card has a 2.5% rewards rate on dining and travel (2 x $0.0125) and a 1.25% rewards rate on everything else (1 x $0.0125).