British Airways Visa Signature® Card vs U.S. Bank Cash+®
Side-by-side comparison
| British Airways Visa Signature® Card | U.S. Bank Cash+® | |
|---|---|---|
| Annual fee | $95 | No annual fee |
| Welcome offer | 75,000 Avios | $250 rewards bonus |
| Dining | 1x | 2x |
| Groceries | 1x | 2x |
| Gas | 1x | 5x |
| Travel | 3x | 5x |
| Streaming | 1x | 5x |
| Everything else | 1x | 1x |
| Est. yearly rewards* | $328 | $564 |
| Points type | Locked to Avios | Cash back only |
| Network | Visa | Visa |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified June 2026. See your own numbers in the calculator.
The verdict
On a typical year of household spending, the British Airways Visa Signature® Card earns about $328 a year in rewards and the U.S. Bank Cash+® about $564, valuing every point at a flat 1 cent. The British Airways Visa Signature® Card charges $95, which you clear through its rewards and perks. The U.S. Bank Cash+® has no annual fee, so its rewards are all profit. Counting rewards, fees, and any credits, the U.S. Bank Cash+® delivers more total value, about $331 a year more for a typical spender, mostly because it earns more where you spend most, on gas and groceries. Neither leans on transferable points, so the deciding factors are the welcome offer, the card network, and which everyday perks you will actually use. On the sign-up bonus, the British Airways Visa Signature® Card currently has the larger welcome offer. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the U.S. Bank Cash+® if your spending leans toward dining, groceries, gas.