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

The Citi Strata Credit 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 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.

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

The Citi Strata Credit 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 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.

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

The Citi Strata Credit 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 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.

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

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

Citi Strata Credit Card

Citi

U.S. Bank Cash+® Visa Signature® Card

U.S. Bank

Fees & Welcome Offer

Annual Fee

Welcome Bonus

30,000 Flex point

—

Earn Rates

Category	Citi Strata Credit Card	U.S. Bank Cash+® Visa Signature® Card
Department Stores	1X	5X
Electronic Stores	1X	5X
Entertainment	1X	5X
Fitness & Gyms	3X	5X
Home Improvement	1X	5X
Streaming	3X

Benefits & Features

Network

MASTERCARD

VISA

Key Benefits

None

Pros & Cons

Pros

+No annual fee
+30,000 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)

+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

−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

Category-by-Category Winner

The U.S. Bank Cash+® Visa Signature® Card wins in 8 of 14 categories. The Citi Strata Credit Card leads in 6.

Grocery Stores

Citi Strata Credit Card earns 3X vs 2X

Gas Stations

Citi Strata Credit Card earns 3X vs 2X

Transit

U.S. Bank Cash+® Visa Signature® Card earns 5X vs 3X

Rotating Category

Citi Strata Credit Card earns 3X vs 1X

Cosmetic Stores

Citi Strata Credit Card earns 3X vs 1X

Fitness & Gyms

U.S. Bank Cash+® Visa Signature® Card earns 5X vs 3X

Live Entertainment

Citi Strata Credit Card earns 3X vs 1X

Pet Shops

Citi Strata Credit Card earns 3X vs 1X

Streaming

U.S. Bank Cash+® Visa Signature® Card earns 5X vs 3X

Frequently Asked Questions

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

Related Comparisons

Amex Blue Cash Everyday vs Citi Strata Amex Green vs Citi Strata Bank Of America Customized Cash vs Citi Strata Bank Of America Unlimited Cash vs Citi Strata

Explore More

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

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

Citi Strata Credit Card

Citi

U.S. Bank Cash+® Visa Signature® Card

U.S. Bank

Fees & Welcome Offer

Annual Fee

Welcome Bonus

30,000 Flex point

—

Earn Rates

Category	Citi Strata Credit Card	U.S. Bank Cash+® Visa Signature® Card
Department Stores	1X	5X
Electronic Stores	1X	5X
Entertainment	1X	5X
Fitness & Gyms	3X	5X
Home Improvement	1X	5X
Streaming	3X

Benefits & Features

Network

MASTERCARD

VISA

Key Benefits

None

Pros & Cons

Pros

+No annual fee
+30,000 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)

+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

−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

Category-by-Category Winner

The U.S. Bank Cash+® Visa Signature® Card wins in 8 of 14 categories. The Citi Strata Credit Card leads in 6.

Grocery Stores

Citi Strata Credit Card earns 3X vs 2X

Gas Stations

Citi Strata Credit Card earns 3X vs 2X

Transit

U.S. Bank Cash+® Visa Signature® Card earns 5X vs 3X

Rotating Category

Citi Strata Credit Card earns 3X vs 1X

Cosmetic Stores

Citi Strata Credit Card earns 3X vs 1X

Fitness & Gyms

U.S. Bank Cash+® Visa Signature® Card earns 5X vs 3X

Live Entertainment

Citi Strata Credit Card earns 3X vs 1X

Pet Shops

Citi Strata Credit Card earns 3X vs 1X

Streaming

U.S. Bank Cash+® Visa Signature® Card earns 5X vs 3X

Frequently Asked Questions

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

Related Comparisons

Amex Blue Cash Everyday vs Citi Strata Amex Green vs Citi Strata Bank Of America Customized Cash vs Citi Strata Bank Of America Unlimited Cash vs Citi Strata

Explore More

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

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

Citi Strata Credit Card

Citi

U.S. Bank Cash+® Visa Signature® Card

U.S. Bank

Fees & Welcome Offer

Annual Fee

Welcome Bonus

30,000 Flex point

—

Earn Rates

Category	Citi Strata Credit Card	U.S. Bank Cash+® Visa Signature® Card
Department Stores	1X	5X
Electronic Stores	1X	5X
Entertainment	1X	5X
Fitness & Gyms	3X	5X
Home Improvement	1X	5X
Streaming	3X

Benefits & Features

Network

MASTERCARD

VISA

Key Benefits

None

Pros & Cons

Pros

+No annual fee
+30,000 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)

+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

−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

Category-by-Category Winner

The U.S. Bank Cash+® Visa Signature® Card wins in 8 of 14 categories. The Citi Strata Credit Card leads in 6.

Grocery Stores

Citi Strata Credit Card earns 3X vs 2X

Gas Stations

Citi Strata Credit Card earns 3X vs 2X

Transit

U.S. Bank Cash+® Visa Signature® Card earns 5X vs 3X

Rotating Category

Citi Strata Credit Card earns 3X vs 1X

Cosmetic Stores

Citi Strata Credit Card earns 3X vs 1X

Fitness & Gyms

U.S. Bank Cash+® Visa Signature® Card earns 5X vs 3X

Live Entertainment

Citi Strata Credit Card earns 3X vs 1X

Pet Shops

Citi Strata Credit Card earns 3X vs 1X

Streaming

U.S. Bank Cash+® Visa Signature® Card earns 5X vs 3X

Frequently Asked Questions

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

Related Comparisons

Amex Blue Cash Everyday vs Citi Strata Amex Green vs Citi Strata Bank Of America Customized Cash vs Citi Strata Bank Of America Unlimited Cash vs Citi Strata

Explore More

Citi Strata Credit 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