Citi Double Cash Card vs U.S. Bank Cash+® Visa Signature® Card
Both cards cost $0/yr. The Citi Double Cash Card leads on hotels; the U.S. Bank Cash+® Visa Signature® Card on telecom.
Card data as of November 13, 2026.
Citi Double Cash CardCiti · No annual fee
U.S. Bank Cash+® Visa Signature® CardU.S. Bank · No annual fee
Overview
- Annual fee
- Citi Double Cash Card$0U.S. Bank Cash+® Visa Signature® Card$0
- Welcome offerCurrent public offer
- Citi Double Cash Card$200 cash backU.S. Bank Cash+® Visa Signature® Card$200 cash back
- Rewards
- Citi Double Cash CardCash backU.S. Bank Cash+® Visa Signature® CardCash back
- Foreign transaction fee
- Citi Double Cash Card3%U.S. Bank Cash+® Visa Signature® Card3%
- Network
- Citi Double Cash CardMastercardU.S. Bank Cash+® Visa Signature® CardVisa Signature
Earn ratesPer $1 spent
- Cable TV
- Citi Double Cash Card2%U.S. Bank Cash+® Visa Signature® Card5%Highest
- Department Stores
- Citi Double Cash Card2%U.S. Bank Cash+® Visa Signature® Card5%Highest
- Electronics
- Citi Double Cash Card2%U.S. Bank Cash+® Visa Signature® Card5%Highest
- Fast Food
- Citi Double Cash Card2%U.S. Bank Cash+® Visa Signature® Card5%Highest
- Fitness
- Citi Double Cash Card2%U.S. Bank Cash+® Visa Signature® Card5%Highest
- Movie Theaters
- Citi Double Cash Card2%U.S. Bank Cash+® Visa Signature® Card5%Highest
- Sporting Goods
- Citi Double Cash Card2%U.S. Bank Cash+® Visa Signature® Card5%Highest
- Streaming
- Citi Double Cash Card2%U.S. Bank Cash+® Visa Signature® Card5%Highest
- Telecom
- Citi Double Cash Card2%U.S. Bank Cash+® Visa Signature® Card5%Highest
- Transit
- Citi Double Cash Card2%U.S. Bank Cash+® Visa Signature® Card5%Highest
- Utilities
- Citi Double Cash Card2%U.S. Bank Cash+® Visa Signature® Card5%Highest
- Dining
- Citi Double Cash Card2%U.S. Bank Cash+® Visa Signature® Card2%
- Gas Stations
- Citi Double Cash Card2%U.S. Bank Cash+® Visa Signature® Card2%
- Grocery Stores
- Citi Double Cash Card2%U.S. Bank Cash+® Visa Signature® Card2%
- Everything else
- Citi Double Cash Card2%HighestU.S. Bank Cash+® Visa Signature® Card1%
Perks & access— means none on record
- Other perks
- Citi Double Cash Card
- Early access to concerts, sports, and theater tickets
- Tap to pay with contactless and digital wallets
- Pay no interest on balance transfers for 18 months
- No annual fee ever on this card
U.S. Bank Cash+® Visa Signature® CardNot yet documented
Protections & insuranceLimits where published · — means none on record
- Purchase & returns
- Citi Double Cash Card
- Zero Liability on unauthorized transactions
U.S. Bank Cash+® Visa Signature® CardNot yet documented - Extended warranty
- Citi Double Cash Card
- Extended warranty (secondary coverage)
U.S. Bank Cash+® Visa Signature® CardNot yet documented - Other protections
- Citi Double Cash Card
- Check your FICO score free every month
- 24/7 fraud monitoring with zero liability protection
- Free help resolving identity theft issues
- Quick card replacement if your wallet is lost or stolen
- Free identity monitoring service from Mastercard network
- Create virtual card numbers for safer online shopping
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- 24/7 lost/stolen card assistance worldwide
U.S. Bank Cash+® Visa Signature® CardNot yet documented
Pros & cons
- Pros
- Citi Double Cash Card
- 2% flat rate on all purchases with no caps
- No annual fee
- 0% intro APR for 18 months on balance transfers
- Simple earning structure - no tracking categories
- Points can combine with other Citi ThankYou cards
U.S. Bank Cash+® Visa Signature® Card- 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
- Citi Double Cash Card
- 3% foreign transaction fee
- Must pay bill to earn second 1% cash back
- No travel insurance or trip protection
- Relatively modest $200 welcome bonus
- No bonus categories for high spenders
U.S. Bank Cash+® Visa Signature® Card- Must select 5% categories each quarter (defaults to 1% if forgotten)
- $2,000 combined quarterly cap on 5% categories
- 3% foreign transaction fee
- Base rate only 1% on non-category spend
Category-by-Category Winner
The Citi Double Cash Card wins in 4 of 4 categories. The U.S. Bank Cash+® Visa Signature® Card leads in 0. 12 more categories depend on booking channel or caps.
Hotels
Citi Double Cash Card earns 5X vs 1X
5X via issuer travel portal
Car Rentals
Citi Double Cash Card earns 5X vs 1X
5X via issuer travel portal
Attractions
Citi Double Cash Card earns 5X vs 1X
5X via issuer travel portal
Telecom
Depends: up to $2,000/quarter; 5% applies only if cell phone providers is one of the two 5% categories you choose each quarter; the $2,000 quarterly limit is combined across both chosen categories.
U.S. Bank Cash+® Visa Signature® Card earns 5X when conditions are met; Citi Double Cash Card earns 2X (2X without restrictions)
Streaming
Depends: up to $2,000/quarter; 5% applies only if TV, internet and streaming is one of the two 5% categories you choose each quarter; the $2,000 quarterly limit is combined across both chosen categories.
U.S. Bank Cash+® Visa Signature® Card earns 5X when conditions are met; Citi Double Cash Card earns 2X (2X without restrictions)
Cable TV
Depends: up to $2,000/quarter; 5% applies only if TV, internet and streaming is one of the two 5% categories you choose each quarter; the $2,000 quarterly limit is combined across both chosen categories.
U.S. Bank Cash+® Visa Signature® Card earns 5X when conditions are met; Citi Double Cash Card earns 2X (2X without restrictions)
Movie Theaters
Depends: up to $2,000/quarter; 5% applies only if movie theaters is one of the two 5% categories you choose each quarter; the $2,000 quarterly limit is combined across both chosen categories.
U.S. Bank Cash+® Visa Signature® Card earns 5X when conditions are met; Citi Double Cash Card earns 2X (2X without restrictions)
Transit
Depends: up to $2,000/quarter; 5% applies only if ground transportation is one of the two 5% categories you choose each quarter; the $2,000 quarterly limit is combined across both chosen categories.
U.S. Bank Cash+® Visa Signature® Card earns 5X when conditions are met; Citi Double Cash Card earns 2X (2X without restrictions)
Fitness
Depends: up to $2,000/quarter; 5% applies only if gyms/fitness centers is one of the two 5% categories you choose each quarter; the $2,000 quarterly limit is combined across both chosen categories.
U.S. Bank Cash+® Visa Signature® Card earns 5X when conditions are met; Citi Double Cash Card earns 2X (2X without restrictions)
Department Stores
Depends: up to $2,000/quarter; 5% applies only if department stores is one of the two 5% categories you choose each quarter; the $2,000 quarterly limit is combined across both chosen categories.
U.S. Bank Cash+® Visa Signature® Card earns 5X when conditions are met; Citi Double Cash Card earns 2X (2X without restrictions)
Electronics
Depends: up to $2,000/quarter; 5% applies only if electronics stores is one of the two 5% categories you choose each quarter; the $2,000 quarterly limit is combined across both chosen categories.
U.S. Bank Cash+® Visa Signature® Card earns 5X when conditions are met; Citi Double Cash Card earns 2X (2X without restrictions)
Travel
Depends: via issuer travel portal
U.S. Bank Cash+® Visa Signature® Card earns 5X when conditions are met; Citi Double Cash Card earns 2X (2X without restrictions)
Sporting Goods
Depends: up to $2,000/quarter; 5% applies only if sporting goods stores is one of the two 5% categories you choose each quarter; the $2,000 quarterly limit is combined across both chosen categories.
U.S. Bank Cash+® Visa Signature® Card earns 5X when conditions are met; Citi Double Cash Card earns 2X (2X without restrictions)
Fast Food
Depends: up to $2,000/quarter; 5% applies only if fast food is one of the two 5% categories you choose each quarter; the $2,000 quarterly limit is combined across both chosen categories.
U.S. Bank Cash+® Visa Signature® Card earns 5X when conditions are met; Citi Double Cash Card earns 2X (2X without restrictions)
Utilities
Depends: up to $2,000/quarter; 5% applies only if home utilities is one of the two 5% categories you choose each quarter; the $2,000 quarterly limit is combined across both chosen categories.
U.S. Bank Cash+® Visa Signature® Card earns 5X when conditions are met; Citi Double Cash Card earns 2X (2X without restrictions)
Everyday purchases
Citi Double Cash Card earns 2X on all other spending vs 1X
Year One vs Ongoing Value
Modeled net value (bonus categories at unconditional rates, caps applied). Spend mix: dining 15%, groceries 15%, gas 10%, travel 10%, everything else 50%. Statement credits use the same recurring usable estimates as each card's detail page; first-year-only credits count in year one only. Welcome offers valued at each card's program rate shown on this page.
Both scenarios favor the Citi Double Cash Card on net value (rewards, usable credits, fees, and welcome offer).
| Scenario | Citi Double Cash Card | U.S. Bank Cash+® Visa Signature® Card | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $408 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $408 Year one: $608 | Rewards: $120 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $120 Year one: $320 | Citi Double Cash Card | Citi Double Cash Card |
| Heavy spender: $4,000/month | Rewards: $1,632 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $1,632 Year one: $1,832 | Rewards: $480 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $480 Year one: $680 | Citi Double Cash Card | Citi Double Cash Card |
Which Card Is Right for You?
Get the Citi Double Cash Card if you:
- +Prefer a high flat rate across all spending
Get the U.S. Bank Cash+® Visa Signature® Card if you:
- +Spend $300+/month on restaurants and dining out
- +Do most of your spending at grocery stores
The Bottom Line
Both scenarios favor the Citi Double Cash Card on net value (rewards, usable credits, fees, and welcome offer).
Everyday (non-bonus) spend earns 2X on the Citi Double Cash Card vs 1X on the other card.
Frequently Asked Questions
- Which card earns more rewards, the Citi Double Cash Card or U.S. Bank Cash+® Visa Signature® Card?
- The Citi Double Cash Card has a higher base earn rate (2X vs 1X), but both cards have different bonus categories where they excel.
- Should I get the Citi Double 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.
Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published November 13, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.