Citi Double Cash vs US Bank Cash+
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
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 | = None stated | = None stated |
| 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. Run your own monthly spend through the maximizer to see which one pays you more.
›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.