Blue Cash Everyday® Card From American Express
vs. U.S. Bank Cash+® Visa Signature® Card

Updated: June 25, 2024

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Both the Blue Cash Everyday® Card from American Express and the U.S. Bank Cash+® Visa Signature® Card offer enticing cash back rewards and share the benefit of no annual fee, making them strong contenders for savvy spenders. In the head-to-head, the U.S. Bank Cash+ edges out with a slightly higher cash back potential in selected categories.

But the Blue Cash Everyday Card's consistent cash back at supermarkets, online retailers and gas stations makes it a reliable choice, especially with its introductory APR offer on purchases and balance transfers. While the U.S. Bank Cash+ may seem complex with its rewards structure, its tailored cash back categories can be highly rewarding if you strategize your spending.

Credit Card logo for Blue Cash Everyday® Card From American Express
Blue Cash Everyday® Card From American Express
Credit Card logo for U.S. Bank Cash+® Visa Signature® Card
U.S. Bank Cash+® Visa Signature® Card
MoneyGeek Rating
3.7/ of 5
MoneyGeek Rating
3.7/ of 5

  • Regular APR
    19.24%–29.99% variable
    19.74%–29.74% variable
    0% APR Offer
    0% for 15 months on purchases
    0% introductory APR for the first 15 billing cycles
    Intro Offer
    Earn $200
    Earn a $200 rewards bonus
    Rewards Summary
    Earn 1%–3% cash back
    Earn 1%–5% cash back
    Balance Transfer Offer
    0% for 15 months on balance transfers
    0% introductory APR for the first 15 billing cycles
    Balance Transfer Fee
    Either $5 or 3% of the amount of each transfer, whichever is greater
    3% of the amount of each transfer (minimum $5)
    Annual Fee
    $0
    $0
    Recommended Credit
    670–850 (Good to Excellent)
    670–850 (Good to Excellent)
    Penalty APR
    29.99% variable, can last over six months
    N/A
    Not sure?

Which Card Is Better for You?

You might prefer the Blue Cash Everyday if you frequently shop at U.S. supermarkets, online retail sites and gas stations. The card offers a generous 3% cash back in these categories, up to a specified limit, and a $200 welcome offer, albeit with a higher spending requirement. Its introductory APR period for purchases and balance transfers can also be a significant cost-saving feature if you're planning a large purchase or have existing debt to transfer.

You might prefer the U.S. Bank Cash+ if you value flexibility in choosing your cash back categories. With the ability to select two 5% cash back categories each quarter, this card adapts to your spending habits. The welcome bonus is also easier to attain with a lower spending threshold, and the longer 0% APR period on balance transfers offers a substantial window for managing existing debt.

Head-to-Head Comparison: Card Details and Features

Evaluating features like APRs, fees, credit requirements, rewards and introductory offers will clarify which card is for you. For instance, if you spend heavily on groceries, the Blue Cash Everyday's supermarket cash back might appeal to you, whereas the U.S. Bank Cash+ offers customizable rewards that could benefit diverse spending patterns.

    discount icon

    Regular APR: Blue Cash Everyday

    The Blue Cash Everyday offers a slightly better regular APR range starting at 19.24%, compared with the U.S. Bank Cash+ card's starting APR of 19.74%. Both cards have variable APRs, with the Blue Cash Everyday reaching up to 29.99% and the U.S. Bank Cash+ up to 29.74%.

    annualFee icon

    Annual Fee: Tie

    Both the Blue Cash Everyday and the U.S. Bank Cash+ have no annual fee, making them equally appealing if you’re looking to avoid extra costs.

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    Introductory 0% APRs: Tie

    Both the Blue Cash Everyday and U.S. Bank Cash+ offer a 0% introductory APR on purchases and balance transfers for the first 15 months. The balance transfer fee for both cards is also comparable.

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    Rewards: U.S. Bank Cash+

    The U.S. Bank Cash+ is better for customized rewards, offering 5% cash back on two categories of your choice and 2% on one everyday category, with cash back expiring after 36 months. In contrast, the Blue Cash Everyday provides 3% cash back in broader categories like U.S. supermarkets, online retail purchases and gas stations, without expiration.

    rewards icon

    Welcome Offers: U.S. Bank Cash+

    The U.S. Bank Cash+ is better for welcome offers, offering a $200 rewards bonus with a lower spending requirement of $1,000 in the first 120 days. The Blue Cash Everyday offers $200 statement credit after $2,000 in purchases within six months.

    creditApproved icon

    Recommended Credit Score: Tie

    Both the Blue Cash Everyday and the U.S. Bank Cash+ require a credit score range of 670 to 850, indicating they are suited for people with good to excellent credit.

    autopay icon

    Penalties and Fees: Blue Cash Everyday

    The Blue Cash Everyday edges out slightly due to its lower foreign transaction fees (2.7% vs. 3%) and a defined penalty APR, despite both cards having similar late and cash advance fees.

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    Issuer Satisfaction: Blue Cash Everyday

    American Express outperforms U.S. Bank in issuer satisfaction, with a rating of 5.0 compared with 3.5.

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    Other Features & Perks: Tie

    Both cards offer unique perks that cater to different preferences. The Blue Cash Everyday provides up to $7 monthly statement credit for Disney Bundle subscriptions and up to $15 monthly credit for Home Chef meal kit subscriptions. The U.S. Bank Cash+ offers 5% cash back on prepaid air, hotel and car bookings through the Rewards Center.

Rewards Comparison

The U.S. Bank Cash+ edges out the Blue Cash Everyday in terms of rewards flexibility and potential earning rate. With the ability to select two 5% cash back categories quarterly, it caters to personalized spending habits.

However, the Blue Cash Everyday holds its ground with a strong 3% cash back at U.S. supermarkets, online retail purchases and gas stations, which may appeal if you have consistent spending in these areas.

U.S. Bank Cash+ Categories

For the U.S. Bank Cash+, the “pick your own” categories are a standout feature. You can choose two categories each quarter for 5% cash back, such as:

  • TV, internet, and streaming services
  • Home utilities
  • Phone providers

Additionally, you can select one everyday category for an unlimited 2% cash back, like gas stations or grocery stores.

The table outlines the bonus categories for each card to help you compare them at a glance.

Category
Blue Cash Everyday
U.S. Bank Cash+

U.S. Supermarkets

3% for the first $6,000 annually/1% thereafter

1%

U.S. Online Retail Purchases

3% for the first $6,000 annually/1% thereafter

1%

U.S. Gas Stations

3% for the first $6,000 annually/1% thereafter

2% or 5% if chosen as a choice category (up to $2,000 per quarter)

Choice Categories

N/A

5% on 2 categories of your choice (up to $2,000 purchase limit per quarter)

Everyday Category

N/A

2% if chosen as an everyday category

Redeeming Rewards

The Blue Cash Everyday allows for flexible redemption as statement credit or at Amazon.com checkout, with no minimum amount required and no expiration on cash back. By contrast, the U.S. Bank Cash+ card requires at least $25 in cash back to redeem and limits redemptions to U.S. Bank accounts, with an expiration of 36 months.

Methodology

MoneyGeek evaluates credit cards like the Blue Cash Everyday and U.S. Bank Cash+ based on their performance in various use cases. This approach ensures that the score reflects the card's performance in the scenario where it provides the most value.

For cash back cards, the primary factors we consider are the effective reward rate and the return on investment for offers. These elements — along with annual fees, introductory purchase rates and issuer satisfaction — contribute to a card's overall score. For a detailed understanding of our process, you can review our ranking methodology.

FAQ: Blue Cash Everyday vs. U.S. Bank Cash+

What are the cash back rewards for each card?
Do either of the cards have an annual fee?
What are the introductory APR offers for these cards?
Are there any foreign transaction fees for these cards?
What is the recommended credit score for each card?

About Doug Milnes, CFA


Doug Milnes, CFA headshot

Doug Milnes is a CFA charter holder with over 10 years of experience in corporate finance and the Head of Credit Cards at MoneyGeek. Formerly, he performed valuations for Duff and Phelps and financial planning and analysis for various companies. His analysis has been cited by U.S. News and World Report, The Hill, the Los Angeles Times, The New York Times and many other outlets.

Milnes holds a master’s degree in data science from Northwestern University. He geeks out on helping people feel on top of their credit card use, from managing debt to optimizing rewards.


*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
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