Citi Custom Cash Card vs U.S. Bank Cash+ Visa Signature
Head-to-head comparison of every feature, fee, and perk
At a Glance
Annual Fee
No annual fee
vs
No annual fee
Base Rewards
1%
vs
1%
Sign-Up Bonus
$200
vs
$200
Editor Score
8/10
vs
8/10
Detailed Comparison
| Category wins | 6/6 | 0/6 |
| Fees & APR | ||
| Annual Fee | No annual fee★ Lowest | No annual fee |
| Purchase APR | 19.49% – 29.49% | 19.49% – 29.49% |
| Intro APR (Purchases) | 0% · 15 mo | 0% · 15 mo |
| Intro APR (Balance Transfer) | 0% · 15 mo | 0% · 15 mo |
| Foreign Txn Fee | 3%★ Lowest | 3% |
| Balance Transfer Fee | 5% | 3% |
| Rewards | ||
| Rewards Type | Cashback | Cashback |
| Base Rewards Rate | 1%★ Highest | 1% |
| Bonus Categories | 5% Top Eligible Category | 5% Chosen Category 1 · 5% Chosen Category 2 · 2% Chosen Everyday Category |
| Sign-Up Bonus | $200 value★ Highest | $200 value |
| Eligibility | ||
| Credit Score | Good (670-749) | Good (670-749) |
| Network | Mastercard | Visa |
| At a Glance | ||
| Best For | People who want automatic 5% back in their top spending category | People with high utility or cell phone bills |
| Ratings | ||
| User Rating | 4.5 / 5★ Highest | 4.3 / 5✗ Lowest |
| Editor Score | 8 / 10★ Highest | 8 / 10 |
| Apply Now | Apply | Apply |
| Full Review | View details → | View details → |
| Pros & Cons | ||
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Our Verdict
Both offer 5% back in chosen categories, but with different mechanics. The Citi Custom Cash automatically picks your top spending category each billing cycle (up to $500). The US Bank Cash+ lets you manually choose two 5% categories each quarter (up to $2,000). The Cash+ wins on earning potential ($400/year in 5% rewards vs. $300 for Citi), and offers unique categories like utilities and cell phone bills. The Custom Cash wins on simplicity — no activation or category selection needed.
Winner: U.S. Bank Cash+ Visa Signature
Higher 5% earning cap and unique categories like utilities
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Common Questions
Which is better: Citi Custom Cash Card or U.S. Bank Cash+ Visa Signature?
It depends on your spending habits. The Citi Custom Cash Card has no annual fee and earns 1% base rewards. The U.S. Bank Cash+ Visa Signature has no annual fee and earns 1% base rewards. Compare their bonus categories above to see which aligns better with your spending.
What is the annual fee difference between Citi Custom Cash Card and U.S. Bank Cash+ Visa Signature?
The Citi Custom Cash Card has no annual fee while the U.S. Bank Cash+ Visa Signature has no annual fee. Both cards have the same annual fee, so the decision comes down to rewards structure and perks.
Can I have both the Citi Custom Cash Card and U.S. Bank Cash+ Visa Signature?
Yes, since these cards are from different issuers (Citi and U.S. Bank), you can hold both. Many people pair cards from different banks to maximize bonus category coverage across all their spending.