Chase Freedom Flex® vs U.S. Bank Cash+ Secured Visa Card
U.S. Bank Cash+ Secured Visa Card earns more in 11 of the 16 categories we track. Neither has an annual fee.
The basics
| Detail | Chase Freedom Flex® | U.S. Bank Cash+ Secured Visa Card |
|---|---|---|
| Annual fee | None | None |
| Card type | Personal | Personal |
| Rewards | Chase Ultimate Rewards | Cash Back |
| Each point is worth | 1.00¢ | 1.00¢ |
| Everywhere else | 1x | 1x |
| Welcome bonus | 25,000 Chase Ultimate Rewards after $500 in 90 days | — |
What each earns
| Category | Chase Freedom Flex® | U.S. Bank Cash+ Secured Visa Card |
|---|---|---|
| Card Travel Portals | 5.0% 5x | 5.0% 5x |
| Utilities | 1.0% 1x | 5.0% (higher) 5x, up to $2,000 |
| Internet & Cable | 1.0% 1x | 5.0% (higher) 5x, up to $2,000 |
| Streaming | 1.0% 1x | 5.0% (higher) 5x, up to $2,000 |
| Department Stores | 1.0% 1x | 5.0% (higher) 5x, up to $2,000 |
| Phone & Wireless | 1.0% 1x | 5.0% (higher) 5x, up to $2,000 |
| Electronics Stores | 1.0% 1x | 5.0% (higher) 5x, up to $2,000 |
| Entertainment | 1.0% 1x | 5.0% (higher) 5x, up to $2,000 |
| Rideshare & Transit | 1.0% 1x | 5.0% (higher) 5x, up to $2,000 |
| Gym & Fitness | 1.0% 1x | 5.0% (higher) 5x, up to $2,000 |
| Groceries | 5.0% (higher) 5x, rotating (quarterly), up to $1,500 | 2.0% 2x |
| Dining & Restaurants | 3.0% (higher) 3x | 2.0% 2x |
| Drugstores & Pharmacies | 3.0% (higher) 3x | 1.0% 1x |
| Gas Stations | 1.0% 1x | 2.0% (higher) 2x |
| EV Charging | 1.0% 1x | 2.0% (higher) 2x |
| Everything else | 1.0% 1x | 1.0% 1x |
Returns are the points per dollar times what a point is worth, using your smart setting. Caps and rotating categories change what you actually earn. How we value rewards
The better question is which one adds more to the cards you already have.
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