Head-to-head · 🇺🇸 United States
Citi Double Cash vs US Bank Cash+
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
US
Citi
Citi Double Cash
Wins 2 of 10
US
US Bank
US Bank Cash+
VISA
Wins 1 of 10
Verdict
Citi Double Cash wins 2-1. Set-it-and-forget-it 2% on everything US Bank Cash+ is still the right call if 5% on 2 chosen categories + 2% on 1 chosen — fully customizable..
Side-by-side
| Criterion | Citi Double Cash | US Bank Cash+ |
|---|---|---|
| Annual fee | = No annual fee | = No annual fee |
| Joining fee | = None | = None |
| Top reward rate | · 2% (general) | 5% (shopping) |
| Base reward rate | 2% | · 1% |
| Forex markup | = 3% | = 3% |
| Welcome bonus | = $200 cash back after spending $1,500 in first 6 months | = $200 statement credit after $1,000 spend in 120 days |
| Fee waiver threshold | = N/A (no fee) | = N/A (no fee) |
| Min income | = — | = — |
| Min credit score | = 670 | = 670 |
| Editorial rating | 4.5/5 | · 4.4/5 |
Benefits compared
Citi Double Cash
- 1% cash back when you buy + 1% when you pay
- No annual fee
- No category restrictions or rotating bonuses
- 0% intro APR on balance transfers for 18 months
- Convert cash back to ThankYou Points (transferable to airline partners)
US Bank Cash+
- 5% on 2 categories you choose ($2,000 quarterly cap)
- 2% on 1 chosen everyday category (gas, grocery, restaurants)
- 1% on everything else
- No annual fee
- Quarterly category swap
FAQ
›Citi Double Cash vs US Bank Cash+: which is better?
Citi Double Cash wins on more dimensions (2 vs 1). But the right answer depends on your specific spending pattern — see the calculator below.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use Citi Double Cash for its best categories, US Bank Cash+ for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Citi Double Cash: $200 cash back after spending $1,500 in first 6 months. US Bank Cash+: $200 statement credit after $1,000 spend in 120 days.