RCI Elite Rewards World Mastercard vs U.S. Bank Cash+ Secured Visa Card
U.S. Bank Cash+ Secured Visa Card earns more in 12 of the 19 categories we track. Neither has an annual fee.
The basics
| Detail | RCI Elite Rewards World Mastercard | U.S. Bank Cash+ Secured Visa Card |
|---|---|---|
| Annual fee | None | None |
| Card type | Personal | Personal |
| Rewards | RCI Member Rewards | Cash Back |
| Each point is worth | 1.00¢ | 1.00¢ |
| Everywhere else | 1x | 1x |
| Welcome bonus | — | — |
What each earns
| Category | RCI Elite Rewards World Mastercard | U.S. Bank Cash+ Secured Visa Card |
|---|---|---|
| Card Travel Portals | 2.0% 2x | 5.0% (higher) 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 | 2.0% 2x | 5.0% (higher) 5x, up to $2,000 |
| Gym & Fitness | 1.0% 1x | 5.0% (higher) 5x, up to $2,000 |
| Groceries | 1.0% 1x | 2.0% (higher) 2x |
| Dining & Restaurants | 1.0% 1x | 2.0% (higher) 2x |
| Gas Stations | 2.0% 2x | 2.0% 2x |
| EV Charging | 2.0% 2x | 2.0% 2x |
| Travel | 2.0% (higher) 2x | 1.0% 1x |
| Airfare | 2.0% (higher) 2x | 1.0% 1x |
| Car Rentals | 2.0% (higher) 2x | 1.0% 1x |
| Hotels & Lodging | 2.0% (higher) 2x | 1.0% 1x |
| 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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