Which has the lower annual fee, Aer Lingus Visa Signature or U.S. Bank Cash+?

U.S. Bank Cash+ has a $0 annual fee, compared to $95 for Aer Lingus Visa Signature.

Which card earns more on flights?

Aer Lingus Visa Signature earns 3x on flights, compared to 1x for the other card.

Which card comes out ahead at typical spending, Aer Lingus Visa Signature or U.S. Bank Cash+?

At $24,000 of annual spending on an everyday profile, U.S. Bank Cash+ nets about $240/yr after the annual fee, compared to $217/yr for Aer Lingus Visa Signature. A different spending mix can flip this result.

Aer Lingus Visa Signature vs U.S. Bank Cash+

Side-by-side comparison of rewards, fees, and benefits

Aer Lingus Visa Signature

Chase

75,000 pts bonus

CardSavvy pick at typical spend

U.S. Bank Cash+

U.S. Bank

25,000 pts bonus

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Rates verified May 2026

137 cards modeled · 18 spending categories · every verdict is a published formulaHow we rank →

U.S. Bank Cash+ comes out ahead by $23/yr at a typical $24,000/yr spending profile.

See the assumptions and math

Everyday profile: $24,000/yr across groceries, gas, dining, online shopping, streaming, and everything else. Signup bonuses excluded (first-year only). Statement credits counted at typical usage rates, not face value.

Card	Rewards	Credits	Fee	Net/yr
Aer Lingus Visa Signature	$312	$0	-$95	$217
U.S. Bank Cash+	$240	$0	-$0	$240

Note: U.S. Bank Cash+ has spending caps or rotating categories not fully modeled here. Run the optimizer with your own numbers for the exact answer.

Redemption Strategy

How you redeem points affects their value. Cash back is simplest, transfer partners offer the best value but require more effort.

Booking through the card issuer's travel site. Point values adjust automatically.

Simple Advanced view shows effective return rates (multiplier × point value) instead of just multipliers.	Aer Lingus Visa SignatureChase	U.S. Bank Cash+U.S. Bank
Annual Fee	$95	$0
Sign-Up Bonus	75,000 pts	25,000 pts
Point Value How much each point is worth in cents. This varies based on how you redeem (cash back, travel portal, or transfer partners).	1.0¢(Travel Portal)	1.0¢(Travel Portal)
Dining	1x	1x
Grocery	1x	1x
Flights	3x	1x
Hotels	1x	1x
Gas	1x	1x
Online Shopping	1x	1x
Everything Else	1x	1x
Fast Food Quick-service restaurants (MCC 5814). Most "dining" bonuses include fast food.	1x	1x
Streaming Subscriptions like Netflix, Spotify, Disney+, etc.	1x	1x
Internet Home internet and cable bills.	1x	1x
Cell Phone Cell phone bills (may incur processing fees).	1x	1x
Home Utilities Electricity, gas, water, sewer, trash.	1x	1x
Travel/Airline Credit	-	-
Est. Perks Value	-	-
Lounge Access	No	No

* Est. Perks Value: Requires enrollment; varies by usage. Excludes Travel/Airline Credit (shown separately).

Amex Platinum ($2,884): $600 FHR/THC hotel credit, $400 Resy dining, $300 lululemon, $300 digital entertainment, $320 Uber ($200 cash + $120 Uber One), $209 CLEAR+, $200 Oura, $155 Walmart+, $100 Saks, $300 Equinox.

CSR ($828): $420 DoorDash (DashPass + credits), $288 Apple TV+ and Apple Music, $120 Lyft credits.

Quick Verdict

Aer Lingus Visa Signature earns more on travel (3x flights vs 1x). U.S. Bank Cash+ has a lower annual fee ($0 vs $95). Your best choice depends on where you spend the most.

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