The U.S. Bank Cash+™ Visa Signature® or Discover it® Miles credit cards offer great value depending on your spending habits. Both products provide a $0 annual fee and an attractive 0% intro APR for 15 billing cycles on card balances and purchases.

The U.S. Bank alternative offers more cash back value. However, the Discover option has a miles-for-miles match on its first year that can be of great service for frequent jet-setters.

So, if you’re trying to decide between the U.S. Bank Cash+™ Visa Signature® or Discover it® Miles, this article is for you. We’ll compare the two cards side-by-side so you can see which one offers the best benefits for your financial needs. Read on to learn more about them!

The U.S. Bank Cash+™ Visa Signature® credit card is a cash back product with no annual fee and international coverage by Visa. With it, you can choose up to two categories among twelve available for a 5% cash back value. For this option, the spending caps is $2000 quarterly, when you can also trade classes if you want. 

You can choose one category for daily purchases and earn an unlimited 2% cash back on eligible items. You also get 1% back on every other purchase you make. There’s a $200 sign-up bonus for new cardholders when you spend $1000 after 120 days of account opening. 

The U.S. Bank Cash+™ Visa Signature® is widely accepted domestically and overseas, and you get an added 5% cash back if you book your travels through U.S.’s Rewards Travel Center. However, there is a foreign transaction fee of a minimum of 3% if you use the card abroad. 

This easy-to-use everyday card also provides a 0% intro APR on card balances and purchases for 15 billing cycles, which helps maximize your rewards with frequent use. The flexible redemption options are even better if you have an open account with U.S. Bank.

All earned cash back can turn into actual cash and be deposited into your bank account. But you can also get statement credits or a rewards card if you choose. 

This card offers an online application and a mobile application alternative that you can do easily and quickly. The response for a request is sent via e-mail or phone call and it takes as little as 60 seconds. 

Below, you can check the main benefits and disadvantages this card offers:

The Discover it® Miles credit card is a fantastic introductory product for those looking for an everyday card with travel perks as its primary benefit.

Even though it lacks some of the most enticing advantages for frequent travelers, like loyalty programs, it provides one of the most interesting reward programs with an unlimited miles-for-miles Discover match at the end of the first year of account opening. 

With a 0% intro APR for the first 15 months and a free-of-charge annual fee, you can maximize your earnings in the first 12 months just by prioritizing the card to cover your daily expenses. The Discover it® Miles is widely accepted domestically, and you get a bonus of 1.5x miles on every dollar spent. 

The flexible redemption options allow cardholders to redeem their bonus points for whatever they use most. The miles keep the same value and never expire as long as the account is open. 

You can redeem your earnings as statement credits or actual money deposited into your bank account. Or, you can choose to pay for travel-related expenses such as hotel rooms, restaurants, airfare, and more.

Unlike most travel-related credit cards, the Discover it® Miles offers no travel insurance or rental-car insurance cover. You also won’t get any balance transfer offers from it. However, for a 0$ annual fee, the perks outbalance the drawbacks by a mile. 

See below some of the benefits this card can add to your daily life: 

Now that you’ve seen what the U.S. Bank Cash+™ Visa Signature® or Discover it® Miles credit cards have to offer, it’s easier to make an informed decision.

If you’re looking for a product that provides cash back for goods and services you use daily, the U.S. Bank Cash+™ Visa Signature® is the best choice. The option to change your earning categories can help you maximize your rewards and redeem them easily.

But, if you’re just starting your traveling life, the Discover it® Miles can help you get ahead in no time. Using this card frequently during its sign-up bonus period will guarantee a generous reward after your first year as a cardholder. 

Ultimately, only you can say which option is the best for your financial needs. It’s worth noting that no matter your choice, beware of all the regulations, fees, and requirements before applying for a product that can affect your credit history. 

And if the U.S. Bank Cash+™ Visa Signature® or Discover it® didn’t appeal to you, don’t worry! We brought an exciting third option that might just fit your needs. The Chase Sapphire Reserve is a fantastic choice for any jet-setter and has a great sign-up bonus! Follow the recommended link to learn more about it!