Citi Strata Credit Card vs U.S. Bank Cash+® Visa Signature® Card
Both cards cost $0/yr. The Citi Strata Credit Card leads on hotels; the U.S. Bank Cash+® Visa Signature® Card on telecom.
Card data as of November 13, 2026.
Citi Strata Credit CardCiti · No annual fee
U.S. Bank Cash+® Visa Signature® CardU.S. Bank · No annual fee
Overview
- Annual fee
- Citi Strata Credit Card$0U.S. Bank Cash+® Visa Signature® Card$0
- Welcome offerCurrent public offer
- Citi Strata Credit Card20,000 pointsU.S. Bank Cash+® Visa Signature® Card$200 cash back
- Rewards
- Citi Strata Credit CardCiti ThankYou RewardsU.S. Bank Cash+® Visa Signature® CardCash back
- Foreign transaction fee
- Citi Strata Credit Card3%U.S. Bank Cash+® Visa Signature® Card3%
- Network
- Citi Strata Credit CardMastercardU.S. Bank Cash+® Visa Signature® CardVisa Signature
Earn ratesPer $1 spent · points and cash back aren’t ranked against each other
- Cable TV
- Citi Strata Credit Card1xU.S. Bank Cash+® Visa Signature® Card5%
- Department Stores
- Citi Strata Credit Card1xU.S. Bank Cash+® Visa Signature® Card5%
- Electronics
- Citi Strata Credit Card1xU.S. Bank Cash+® Visa Signature® Card5%
- Fast Food
- Citi Strata Credit Card1xU.S. Bank Cash+® Visa Signature® Card5%
- Fitness
- Citi Strata Credit Card3xU.S. Bank Cash+® Visa Signature® Card5%
- Movie Theaters
- Citi Strata Credit Card1xU.S. Bank Cash+® Visa Signature® Card5%
- Sporting Goods
- Citi Strata Credit Card1xU.S. Bank Cash+® Visa Signature® Card5%
- Streaming
- Citi Strata Credit Card3xU.S. Bank Cash+® Visa Signature® Card5%
- Telecom
- Citi Strata Credit Card1xU.S. Bank Cash+® Visa Signature® Card5%
- Transit
- Citi Strata Credit Card3xU.S. Bank Cash+® Visa Signature® Card5%
- Utilities
- Citi Strata Credit Card1xU.S. Bank Cash+® Visa Signature® Card5%
- Beauty
- Citi Strata Credit Card3xU.S. Bank Cash+® Visa Signature® Card1%
- Electric Vehicle Charging
- Citi Strata Credit Card3xU.S. Bank Cash+® Visa Signature® Card1%
- Gas Stations
- Citi Strata Credit Card3xU.S. Bank Cash+® Visa Signature® Card2%
- Grocery Stores
- Citi Strata Credit Card3xU.S. Bank Cash+® Visa Signature® Card2%
- Live Entertainment
- Citi Strata Credit Card3xU.S. Bank Cash+® Visa Signature® Card1%
- Pet
- Citi Strata Credit Card3xU.S. Bank Cash+® Visa Signature® Card1%
- Top Spend Category
- Citi Strata Credit Card3xU.S. Bank Cash+® Visa Signature® Card1%
- Dining
- Citi Strata Credit Card2xU.S. Bank Cash+® Visa Signature® Card2%
- Everything else
- Citi Strata Credit Card1xU.S. Bank Cash+® Visa Signature® Card1%
Perks & access— means none on record
- Other perks
- Citi Strata Credit Card
- Citi Entertainment
- Points transfer
U.S. Bank Cash+® Visa Signature® CardNot yet documented
Protections & insuranceLimits where published · — means none on record
- Purchase & returns
- Citi Strata Credit Card
- Mastercard® ID Theft Protection
- Zero Liability on unauthorized transactions
- Purchase Protection up to $1,000 per claim
U.S. Bank Cash+® Visa Signature® CardNot yet documented - Other protections
- Citi Strata Credit Card
- Citi Travel®
- FICO score monitoring
- 24/7 lost/stolen card assistance worldwide
U.S. Bank Cash+® Visa Signature® CardNot yet documented
Pros & cons
- Pros
- Citi Strata Credit Card
- No annual fee
- 20,000 point welcome bonus
- 5X points on travel booked via Citi Travel
- 3X points on groceries, transit, gas, and Self-Select category
- Self-Select category flexibility (change quarterly)
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 Strata Credit Card
- 3% foreign transaction fee
- 5X rate requires booking through Citi Travel portal
- Self-Select category can only change quarterly
- Lower transfer value compared to premium ThankYou cards
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 Strata Credit Card wins in 3 of 3 categories. The U.S. Bank Cash+® Visa Signature® Card leads in 0. 19 more categories depend on booking channel or caps.
Hotels
Depends: via issuer travel portal
Citi Strata Credit Card earns 5X when conditions are met; U.S. Bank Cash+® Visa Signature® Card earns 1X (1X without restrictions)
Car Rentals
Depends: via issuer travel portal
Citi Strata Credit Card earns 5X when conditions are met; U.S. Bank Cash+® Visa Signature® Card earns 1X (1X without restrictions)
Attractions
Depends: via issuer travel portal
Citi Strata Credit Card earns 5X when conditions are met; U.S. Bank Cash+® Visa Signature® Card earns 1X (1X without restrictions)
Grocery Stores
Citi Strata Credit Card earns 3X vs 2X
Gas Stations
Citi Strata Credit Card earns 3X vs 2X
Electric Vehicle Charging
Citi Strata Credit Card earns 3X vs 1X
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 Strata Credit Card earns 3X (3X without restrictions)
Top Spend Category
Depends: Must select category at citi.com/selfselect
Citi Strata Credit Card earns 3X when conditions are met; U.S. Bank Cash+® Visa Signature® Card earns 1X (1X without restrictions)
Beauty
Depends: 3X applies only if cosmetic stores/barber shops/hair salons is chosen as the one Self-Select Category (fitness clubs, select streaming services, live entertainment, cosmetic stores/barber shops/hair salons, or pet supply stores), changeable once each calendar quarter; the default is Select Streaming Services.
Citi Strata Credit Card earns 3X when conditions are met; U.S. Bank Cash+® Visa Signature® Card earns 1X (1X 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 Strata Credit Card earns 3X (1X without restrictions)
Live Entertainment
Depends: 3X applies only if live entertainment is chosen as the one Self-Select Category (fitness clubs, select streaming services, live entertainment, cosmetic stores/barber shops/hair salons, or pet supply stores), changeable once each calendar quarter; the default is Select Streaming Services.
Citi Strata Credit Card earns 3X when conditions are met; U.S. Bank Cash+® Visa Signature® Card earns 1X (1X without restrictions)
Pet
Depends: 3X applies only if pet supply stores is chosen as the one Self-Select Category (fitness clubs, select streaming services, live entertainment, cosmetic stores/barber shops/hair salons, or pet supply stores), changeable once each calendar quarter; the default is Select Streaming Services.
Citi Strata Credit Card earns 3X when conditions are met; U.S. Bank Cash+® Visa Signature® Card earns 1X (1X 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 Strata Credit Card earns 3X (1X without restrictions)
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 Strata Credit Card earns 1X (1X 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 Strata Credit Card earns 1X (1X 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 Strata Credit Card earns 1X (1X 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 Strata Credit Card earns 1X (1X 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 Strata Credit Card earns 1X (1X without restrictions)
Travel
Depends: via issuer travel portal
U.S. Bank Cash+® Visa Signature® Card earns 5X when conditions are met; Citi Strata Credit Card earns 1X (1X 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 Strata Credit Card earns 1X (1X 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 Strata Credit Card earns 1X (1X 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 Strata Credit Card earns 1X (1X without restrictions)
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 Strata Credit Card on net value (rewards, usable credits, fees, and welcome offer).
| Scenario | Citi Strata Credit Card | U.S. Bank Cash+® Visa Signature® Card | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $337 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $337 Year one: $677 | Rewards: $120 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $120 Year one: $320 | Citi Strata Credit Card | Citi Strata Credit Card |
| Heavy spender: $4,000/month | Rewards: $1,346 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $1,346 Year one: $1,686 | Rewards: $480 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $480 Year one: $680 | Citi Strata Credit Card | Citi Strata Credit Card |
The Bottom Line
Both scenarios favor the Citi Strata Credit Card on net value (rewards, usable credits, fees, and welcome offer).
Frequently Asked Questions
- Which card earns more rewards, the Citi Strata Credit Card or U.S. Bank Cash+® Visa Signature® Card?
- Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
- Should I get the Citi Strata Credit 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.