Head-to-head · 🇺🇸 United States
Citi Strata Premier vs US Bank Cash+
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
US
Citi
Citi Strata Premier
Wins 2 of 10
US
US Bank
US Bank Cash+
VISA
Wins 2 of 10
Verdict
It's a true tie — neither dominates. Pick the one whose boost categories match where you actually spend.
Side-by-side
| Criterion | Citi Strata Premier | US Bank Cash+ |
|---|---|---|
| Annual fee | · $95 | No annual fee |
| Joining fee | = None | = None |
| Top reward rate | 10% (travel) | · 5% (shopping) |
| Base reward rate | = 1% | = 1% |
| Forex markup | No FX fee | · 3% |
| Welcome bonus | = 75,000 ThankYou points after $4,000 spend 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 Strata Premier
- 10x on hotels, car rentals, and attractions via Citi Travel
- 3x at restaurants + supermarkets + gas stations
- 1x on everything else
- $100 hotel benefit on $500+ Citi Travel hotel bookings
- Transfer to 16 airline + hotel 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 Strata Premier vs US Bank Cash+: which is better?
It's a true tie — pick the one whose boost categories match your spend. Citi Strata Premier wins on 2 criteria, US Bank Cash+ on 2.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use Citi Strata 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 Strata Premier: 75,000 ThankYou points after $4,000 spend in 3 months. US Bank Cash+: $200 statement credit after $1,000 spend in 120 days.