Discover it Cash Back vs. U.S. Bank Cash+
A side-by-side look at Discover it Cash Back and U.S. Bank Cash+ - annual fees, where each card earns the most, and signup bonus value, pulled straight from our card database.
Discover it Cash Back
Annual feeNo annual fee
Signup bonusCashback match
Rotating category5%
5% rotating categories require quarterly activation; easy to forget and miss the bonus rate.
Full Discover it Cash Back details →
U.S. Bank Cash+
Annual feeNo annual fee
Signup bonus$200 cash back
Custom category choice 15%
Custom category choice 25%
Everyday category2%
Customer selects two 5% categories each quarter from a list; strong if categories match spending but requires active management. The $2,000 quarterly cap is shared across both...
Full U.S. Bank Cash+ details →
At a glance
- Both cards carry the same annual fee (No annual fee).
- Discover it Cash Back earns the most on Rotating category (5%).
- U.S. Bank Cash+ earns the most on Custom category choice 1 (5%).
- U.S. Bank Cash+ has the higher estimated signup bonus value after the annual fee.
Figures above are pulled directly from each card's own page - see the full Discover it Cash Back or U.S. Bank Cash+ pages for category caps, issuer rules, and redemption notes before deciding.