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

Both the Citi Double Cash Card and the U.S. Bank Cash+ Visa Signature Card offer enticing cash back rewards and share the benefit of no annual fee, making them strong contenders for your wallet. The Citi Double Cash edges ahead with its straightforward 2% cash back on all purchases, which simplifies earning rewards.

However, the U.S. Bank Cash+ has higher cash back rates in selected categories. Ultimately, the choice depends on whether you prefer simplicity or the potential for higher rewards in chosen categories.

You might prefer the Citi Double Cash if you value a straightforward cash back program with a consistent return on all purchases. Its longer balance transfer introductory APR period also makes it suitable for those looking to manage existing debt more effectively.

You might prefer the U.S. Bank Cash+ if your spending aligns with its customizable cash back categories, allowing you to earn higher rewards in areas where you spend the most. Additionally, the introductory APR on purchases can provide financial flexibility for new cardholders planning significant expenditures.

Evaluating APRs, fees, credit requirements, rewards, introductory offers and additional features will illuminate the strengths and limitations of the Citi Double Cash and U.S. Bank Cash+. Use this section to pinpoint which card aligns with your spending habits and whether you prioritize simple cash back strategies or customized reward categories.

The Citi Double Cash leads with its simplicity, offering a flat 2% cash back on all purchases — 1% when you buy and another 1% as you pay. This consistent rate applies across the board, without the need to track spending categories

The U.S. Bank Cash+, allows you to tailor rewards to your spending habits. With the ability to select two 5% cash back categories each quarter and a 2% category for everyday purchases, it caters to those who don't mind putting in a bit more effort for potentially higher returns in chosen areas. However, outside of these selected categories, the card only offers 1% cash back.

For the U.S. Bank Cash+, eligible 5% cash back categories include fast food, cell phone providers and department stores, among others, while the 2% category choices cover gas stations, grocery stores or restaurants.

Following this section, you'll find a detailed table of bonus categories to help you compare the rewards programs of both cards.

Transitioning from how rewards are earned to how they can be used, both the Citi Double Cash and U.S. Bank Cash+ cards offer cash back redemption options. With the Citi Double Cash, you can redeem your cash back as a direct deposit, statement credit, or check, and your rewards do not expire as long as your account remains open. On the other hand, the U.S. Bank Cash+ allows for redemption via statement credit or direct deposit into a U.S. Bank account, requiring a minimum of $25 in cash back. However, it's important to note that cash back with U.S. Bank Cash+ expires after 36 months, adding a time constraint to your redemption process.

MoneyGeek evaluates credit cards like Citi Double Cash and U.S. Bank Cash+ based on their performance in various use cases. For this comparison, both cards are assessed for their cash back potential. The largest factors in determining their scores are the value of rewards earned through purchases and the benefits of promotional offers. Remember, the right card for you depends on how these factors align with your spending habits and financial goals.