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BECU Cash Back Credit Card vs U.S. Bank Cash+ Visa Signature Card
Both are cashback travel cards. The BECU Cash Back Credit Card comes from BECU at $0/yr; the U.S. Bank Cash+ Visa Signature Card from U.S. Bank at $0/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
These cards are close on the fundamentals (similar bonus value, similar fee). The right pick depends on which category you spend the most in and which transfer partners best fit your travel goals.
| Feature | BECU Cash Back Credit Card | U.S. Bank Cash+ Visa Signature Card |
|---|---|---|
| Annual fee | $0 | $0 |
| Sign-up bonus | $200 cash back after $2,000 spend in 3 months | $250 cash back |
| Bonus value (est.) | $200 | $250 |
| Min spend to unlock bonus | $2,000 in 3 mo | $1,000 in 3 mo |
| Issuer | BECU | U.S. Bank |
| Card category | cashback | cashback |
| Best earning category (All_purchases) | 1.5x | 1x |
| Transfer partners | None | None |
| Headline benefits |
Read the full review
BECU Cash Back Credit Card
$0/yr · $200 cash back after $2,000 spend in 3 months
Read the full review
U.S. Bank Cash+ Visa Signature Card
$0/yr · $250 cash back
Editorial take: U.S. Bank Cash+ Visa Signature Card
Common questions
- Which card has the bigger sign-up bonus, BECU Cash Back Credit Card or U.S. Bank Cash+ Visa Signature Card?
- The U.S. Bank Cash+ Visa Signature Card has the bigger bonus, $250 cash back, worth roughly $250, versus $200 cash back after $2,000 spend in 3 months (~$200) on the BECU Cash Back Credit Card.
- Is the BECU Cash Back Credit Card's $0 annual fee worth it compared to the U.S. Bank Cash+ Visa Signature Card?
- The BECU Cash Back Credit Card has no annual fee, so the question is whether the U.S. Bank Cash+ Visa Signature Card's $0 fee is justified by its perks. If you'll use enough of the U.S. Bank Cash+ Visa Signature Card's benefits to clear $0 in value annually, it's worth it; otherwise stick with the BECU Cash Back Credit Card.
- Can I have both the BECU Cash Back Credit Card and U.S. Bank Cash+ Visa Signature Card?
- Yes, since they're from different issuers (BECU and U.S. Bank) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
- Should I get the BECU Cash Back Credit Card or the U.S. Bank Cash+ Visa Signature Card first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. BECU Cash Back Credit Card: $2,000 spend in 3 months. U.S. Bank Cash+ Visa Signature Card: $1,000 in 3 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.
Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.