Which card earns more rewards, the Citi Custom Cash Card or U.S. Bank Cash+® Visa Signature® Card?

The Citi Custom Cash Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.

Should I get the Citi Custom Cash Card or the U.S. Bank Cash+® Visa Signature® Card?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Which card earns more rewards, the Citi Custom Cash Card or U.S. Bank Cash+® Visa Signature® Card?

The Citi Custom Cash Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.

Should I get the Citi Custom Cash Card or the U.S. Bank Cash+® Visa Signature® Card?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Which card earns more rewards, the Citi Custom Cash Card or U.S. Bank Cash+® Visa Signature® Card?

The Citi Custom Cash Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.

Should I get the Citi Custom Cash Card or the U.S. Bank Cash+® Visa Signature® Card?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Citi Custom Cash Card vs U.S. Bank Cash+® Visa Signature® Card

Both cards cost $0/yr. The Citi Custom Cash Card is better for dining, while the U.S. Bank Cash+® Visa Signature® Card wins on telecom. Here's how they compare.

Citi Custom Cash Card

Citi

U.S. Bank Cash+® Visa Signature® Card

U.S. Bank

Fees & Welcome Offer

Annual Fee

Welcome Bonus

200 Cash

—

Earn Rates

Category	Citi Custom Cash Card	U.S. Bank Cash+® Visa Signature® Card
Department Stores	1X	5X
Dining	5X	2X
Drugstores	5X	1X
Electronic Stores	1X	5X
Entertainment	1X	5X
Fitness & Gyms	5X

Benefits & Features

Network

MASTERCARD

VISA

Key Benefits

None

Pros & Cons

Pros

+Automatic 5% cash back on top spending category with no activation required
+No annual fee makes it easy to keep long-term for credit history
+10 eligible bonus categories including dining, gas, groceries, streaming, and transit
+0% intro APR on balance transfers for 18 months
+Pairs with Strata Premier to unlock ThankYou Points transfer partners

+5% cash back on two categories of your choice (from 12+ options)
+2% on one everyday category (dining, gas, or grocery)
+No annual fee
+Visa Signature benefits
+$200 welcome bonus

Cons

−$500 monthly cap limits value for high spenders (max $25/month in bonus rewards)
−3% foreign transaction fee makes it poor for international travel

Category-by-Category Winner

The Citi Custom Cash Card wins in 6 of 10 categories. The U.S. Bank Cash+® Visa Signature® Card leads in 4.

Dining

Citi Custom Cash Card earns 5X vs 2X

Drugstores

Citi Custom Cash Card earns 5X vs 1X

Gas Stations

Citi Custom Cash Card earns 5X vs 2X

Grocery Stores

Citi Custom Cash Card earns 5X vs 2X

Live Entertainment

Citi Custom Cash Card earns 5X vs 1X

Travel

Citi Custom Cash Card earns 5X vs 1X

Telecom

U.S. Bank Cash+® Visa Signature® Card earns 5X vs 1X

Entertainment

U.S. Bank Cash+® Visa Signature® Card earns 5X vs 1X

Department Stores

U.S. Bank Cash+® Visa Signature® Card earns 5X vs 1X

Frequently Asked Questions

Which card earns more rewards, the Citi Custom Cash Card or U.S. Bank Cash+® Visa Signature® Card?: The Citi Custom Cash Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.
Should I get the Citi Custom Cash Card or the U.S. Bank Cash+® Visa Signature® Card?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Explore More

Citi Custom Cash Card — Full Review All Citi Cards

U.S. Bank Cash+® Visa Signature® Card — Full Review All U.S. Bank Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Citi cards · U.S. Bank cards

Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: May 2026.

Citi Custom Cash Card vs U.S. Bank Cash+® Visa Signature® Card

Both cards cost $0/yr. The Citi Custom Cash Card is better for dining, while the U.S. Bank Cash+® Visa Signature® Card wins on telecom. Here's how they compare.

Citi Custom Cash Card

Citi

U.S. Bank Cash+® Visa Signature® Card

U.S. Bank

Fees & Welcome Offer

Annual Fee

Welcome Bonus

200 Cash

—

Earn Rates

Category	Citi Custom Cash Card	U.S. Bank Cash+® Visa Signature® Card
Department Stores	1X	5X
Dining	5X	2X
Drugstores	5X	1X
Electronic Stores	1X	5X
Entertainment	1X	5X
Fitness & Gyms	5X

Benefits & Features

Network

MASTERCARD

VISA

Key Benefits

None

Pros & Cons

Pros

+Automatic 5% cash back on top spending category with no activation required
+No annual fee makes it easy to keep long-term for credit history
+10 eligible bonus categories including dining, gas, groceries, streaming, and transit
+0% intro APR on balance transfers for 18 months
+Pairs with Strata Premier to unlock ThankYou Points transfer partners

+5% cash back on two categories of your choice (from 12+ options)
+2% on one everyday category (dining, gas, or grocery)
+No annual fee
+Visa Signature benefits
+$200 welcome bonus

Cons

−$500 monthly cap limits value for high spenders (max $25/month in bonus rewards)
−3% foreign transaction fee makes it poor for international travel

Category-by-Category Winner

The Citi Custom Cash Card wins in 6 of 10 categories. The U.S. Bank Cash+® Visa Signature® Card leads in 4.

Dining

Citi Custom Cash Card earns 5X vs 2X

Drugstores

Citi Custom Cash Card earns 5X vs 1X

Gas Stations

Citi Custom Cash Card earns 5X vs 2X

Grocery Stores

Citi Custom Cash Card earns 5X vs 2X

Live Entertainment

Citi Custom Cash Card earns 5X vs 1X

Travel

Citi Custom Cash Card earns 5X vs 1X

Telecom

U.S. Bank Cash+® Visa Signature® Card earns 5X vs 1X

Entertainment

U.S. Bank Cash+® Visa Signature® Card earns 5X vs 1X

Department Stores

U.S. Bank Cash+® Visa Signature® Card earns 5X vs 1X

Frequently Asked Questions

Which card earns more rewards, the Citi Custom Cash Card or U.S. Bank Cash+® Visa Signature® Card?: The Citi Custom Cash Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.
Should I get the Citi Custom Cash Card or the U.S. Bank Cash+® Visa Signature® Card?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Explore More

Citi Custom Cash Card — Full Review All Citi Cards

U.S. Bank Cash+® Visa Signature® Card — Full Review All U.S. Bank Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Citi cards · U.S. Bank cards

Citi Custom Cash Card vs U.S. Bank Cash+® Visa Signature® Card

Both cards cost $0/yr. The Citi Custom Cash Card is better for dining, while the U.S. Bank Cash+® Visa Signature® Card wins on telecom. Here's how they compare.

Citi Custom Cash Card

Citi

U.S. Bank Cash+® Visa Signature® Card

U.S. Bank

Fees & Welcome Offer

Annual Fee

Welcome Bonus

200 Cash

—

Earn Rates

Category	Citi Custom Cash Card	U.S. Bank Cash+® Visa Signature® Card
Department Stores	1X	5X
Dining	5X	2X
Drugstores	5X	1X
Electronic Stores	1X	5X
Entertainment	1X	5X
Fitness & Gyms	5X

Benefits & Features

Network

MASTERCARD

VISA

Key Benefits

None

Pros & Cons

Pros

+Automatic 5% cash back on top spending category with no activation required
+No annual fee makes it easy to keep long-term for credit history
+10 eligible bonus categories including dining, gas, groceries, streaming, and transit
+0% intro APR on balance transfers for 18 months
+Pairs with Strata Premier to unlock ThankYou Points transfer partners

+5% cash back on two categories of your choice (from 12+ options)
+2% on one everyday category (dining, gas, or grocery)
+No annual fee
+Visa Signature benefits
+$200 welcome bonus

Cons

−$500 monthly cap limits value for high spenders (max $25/month in bonus rewards)
−3% foreign transaction fee makes it poor for international travel

Category-by-Category Winner

The Citi Custom Cash Card wins in 6 of 10 categories. The U.S. Bank Cash+® Visa Signature® Card leads in 4.

Dining

Citi Custom Cash Card earns 5X vs 2X

Drugstores

Citi Custom Cash Card earns 5X vs 1X

Gas Stations

Citi Custom Cash Card earns 5X vs 2X

Grocery Stores

Citi Custom Cash Card earns 5X vs 2X

Live Entertainment

Citi Custom Cash Card earns 5X vs 1X

Travel

Citi Custom Cash Card earns 5X vs 1X

Telecom

U.S. Bank Cash+® Visa Signature® Card earns 5X vs 1X

Entertainment

U.S. Bank Cash+® Visa Signature® Card earns 5X vs 1X

Department Stores

U.S. Bank Cash+® Visa Signature® Card earns 5X vs 1X

Frequently Asked Questions

Which card earns more rewards, the Citi Custom Cash Card or U.S. Bank Cash+® Visa Signature® Card?: The Citi Custom Cash Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.
Should I get the Citi Custom Cash Card or the U.S. Bank Cash+® Visa Signature® Card?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Explore More

Citi Custom Cash Card — Full Review All Citi Cards

U.S. Bank Cash+® Visa Signature® Card — Full Review All U.S. Bank Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Citi cards · U.S. Bank cards