U.S. Bank Cash+ Visa Signature vs Bank of America Customized Cash Rewards Credit Card
Fees, rewards and real yearly value, side by side. Updated October 29, 2026.
U.S. Bank Cash+ Visa Signature
Estimated value every year on typical spending
$312/ year
Every year, after the annual fee. Year one adds a $200 welcome bonus: $512
Bank of America Customized Cash Rewards Credit Card
Estimated value every year on typical spending
$372/ year
Every year, after the annual fee. Year one adds a $200 welcome bonus: $572
The short answer
- On typical spending, the Bank of America Customized Cash Rewards Credit Card comes out ahead: about $372 a year after its fee, against $312 for the U.S. Bank Cash+ Visa Signature.
- The Bank of America Customized Cash Rewards Credit Card earns more on groceries.
Side by side
| U.S. Bank Cash+ Visa Signature | Bank of America Customized Cash Rewards Credit Card | |
|---|---|---|
| Annual fee | $0 | $0 |
| Rewards | 5% cash back in categories they choose; 2% cash back in one everyday category; 1% cash back on all other eligible purchases | 6% cash back in the category of your choice for the first year; 3% cash back in that category after the first year; 2% cash back at grocery stores and wholesale clubs; 1% cash back on all other purchases |
| Welcome bonus | $200 bonus after you spend $1,000 in eligible purchases within the first 90 days of account opening. | $200 online cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening. |
| Credits counted | $0/yr | $0/yr |
| Intro APR | 0% for the first 15 billing cycles | 0% for the first 15 billing cycles |
| Regular APR | 17.99% to 28.24% variable | 17.74% to 27.74% variable |
| Foreign transaction fee | None | None |
| Credit needed | Good/Excellent | Not specified |
Yearly rewards by category
| Category (monthly spend) | U.S. Bank Cash+ Visa Signature | Bank of America Customized Cash Rewards Credit Card |
|---|---|---|
| groceries ($500) | $60 | $120 |
| dining ($400) | $48 | $48 |
| gas ($200) | $24 | $24 |
| travel ($300) | $36 | $36 |
| everything else ($1,200) | $144 | $144 |
Yearly value is rewards plus credits you'd realistically use, minus the annual fee, on $2,600/month: $500 groceries, $400 dining, $200 gas, $300 travel, $1,200 everything else. Points use conservative cash values; store-only rewards count at half. How we rank · Use your own spending
Questions people ask
Which is better, the U.S. Bank Cash+ Visa Signature or the Bank of America Customized Cash Rewards Credit Card?
On typical spending the Bank of America Customized Cash Rewards Credit Card is worth more: about $372 a year after its fee, against $312 for the U.S. Bank Cash+ Visa Signature. Which is better for you depends on where you spend most; see the category answers below.
Which is better for groceries?
The Bank of America Customized Cash Rewards Credit Card. On $500 a month of groceries it earns about $120 a year, against $60 with the U.S. Bank Cash+ Visa Signature.
Put any two cards head to head.
Pick any cards, including ones you already hold, and compare them on your own spending.
Open CompareCard details are collected from issuer websites and were last refreshed October 29, 2026. Terms change often; confirm them with the issuer before you apply.