Citi Custom Cash vs US Bank Cash+
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
Citi Custom Cash wins 1-0. Auto-detects your top spend category each cycle, set-and-forget. 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 Custom Cash | US Bank Cash+ |
|---|---|---|
| Annual fee | = No annual fee | = No annual fee |
| Joining fee | = None | = None |
| Top reward rate | = 5% (shopping) | = 5% (shopping) |
| Base reward rate | = 1% | = 1% |
| Forex markup | = 3% | = 3% |
| Welcome bonus | = $200 cashback after $1,500 in 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 Custom Cash
- 5% cashback in your top eligible spend category each billing cycle (up to $500)
- 1% on everything else
- Eligible categories: restaurants, gas, grocery, travel, etc.
- No annual fee
- 0% intro APR for 15 months
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 Custom Cash vs US Bank Cash+: which is better?
Citi Custom Cash wins on more dimensions (1 vs 0). 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 Custom 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 Custom Cash: $200 cashback after $1,500 in 6 months. US Bank Cash+: $200 statement credit after $1,000 spend in 120 days.