U.S. Bank Cash+ Secured Visa Card vs Wells Fargo Choice Privileges Mastercard
U.S. Bank Cash+ Secured Visa Card earns more in 12 of the 16 categories we track. Neither has an annual fee.
The basics
| Detail | U.S. Bank Cash+ Secured Visa Card | Wells Fargo Choice Privileges Mastercard |
|---|---|---|
| Annual fee | None | None |
| Card type | Personal | Personal |
| Rewards | Cash Back | Choice Privileges Points |
| Each point is worth | 1.00¢ | 0.75¢ |
| Everywhere else | 1x | 1x |
| Welcome bonus | — | 40,000 Choice Privileges Points after $1,000 in 3 months |
What each earns
| Category | U.S. Bank Cash+ Secured Visa Card | Wells Fargo Choice Privileges Mastercard |
|---|---|---|
| Phone & Wireless | 5.0% (higher) 5x, up to $2,000 | 2.3% 3x |
| Card Travel Portals | 5.0% (higher) 5x | 0.8% 1x |
| Utilities | 5.0% (higher) 5x, up to $2,000 | 0.8% 1x |
| Internet & Cable | 5.0% (higher) 5x, up to $2,000 | 0.8% 1x |
| Streaming | 5.0% (higher) 5x, up to $2,000 | 0.8% 1x |
| Department Stores | 5.0% (higher) 5x, up to $2,000 | 0.8% 1x |
| Electronics Stores | 5.0% (higher) 5x, up to $2,000 | 0.8% 1x |
| Entertainment | 5.0% (higher) 5x, up to $2,000 | 0.8% 1x |
| Rideshare & Transit | 5.0% (higher) 5x, up to $2,000 | 0.8% 1x |
| Gym & Fitness | 5.0% (higher) 5x, up to $2,000 | 0.8% 1x |
| Gas Stations | 2.0% 2x | 2.3% (higher) 3x |
| EV Charging | 2.0% 2x | 2.3% (higher) 3x |
| Groceries | 2.0% 2x | 2.3% (higher) 3x |
| Home Improvement | 1.0% 1x | 2.3% (higher) 3x |
| Dining & Restaurants | 2.0% (higher) 2x | 0.8% 1x |
| Everything else | 1.0% (higher) 1x | 0.8% 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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