Citi Premier vs US Bank Cash+
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
US Bank Cash+ wins 3-1. 5% on 2 chosen categories + 2% on 1 chosen — fully customizable. Citi Premier is still the right call if travel + dining + groceries combined — broader 3x than sapphire preferred..
Side-by-side
| Criterion | Citi Premier | US Bank Cash+ |
|---|---|---|
| Annual fee | · $95 | No annual fee |
| Joining fee | = None | = None |
| Top reward rate | · 3% (travel) | 5% (shopping) |
| Base reward rate | = 1% | = 1% |
| Forex markup | No FX fee | · 3% |
| Welcome bonus | = 60,000 ThankYou points after $4,000 in 3 months | = $200 statement credit after $1,000 spend in 120 days |
| Fee waiver threshold | = No waiver | = N/A (no fee) |
| Min income | = — | = — |
| Min credit score | · 700 | 670 |
| Editorial rating | = 4.4/5 | = 4.4/5 |
Benefits compared
Citi Premier
- 3x ThankYou points on travel (incl. gas)
- 3x on dining
- 3x on supermarkets
- Transferable to 16 airline partners
- $100 annual hotel credit
- No foreign transaction fees
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 Premier vs US Bank Cash+: which is better?
US Bank Cash+ wins on more dimensions (3 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 Premier 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 Premier: 60,000 ThankYou points after $4,000 in 3 months. US Bank Cash+: $200 statement credit after $1,000 spend in 120 days.