Citi Custom Cash® Card vs U.S. Bank Cash+ Secured Visa Card
U.S. Bank Cash+ Secured Visa Card earns more in 7 of the 18 categories we track. Neither has an annual fee.
The basics
| Detail | Citi Custom Cash® Card | U.S. Bank Cash+ Secured Visa Card |
|---|---|---|
| Annual fee | None | None |
| Card type | Personal | Personal |
| Rewards | Cash Back | Cash Back |
| Each point is worth | 1.00¢ | 1.00¢ |
| Everywhere else | 1x | 1x |
| Welcome bonus | $200 after $1,500 in 180 days | — |
What each earns
| Category | Citi Custom Cash® Card | U.S. Bank Cash+ Secured Visa Card |
|---|---|---|
| Dining & Restaurants | 5.0% (higher) 5x, up to $500 | 2.0% 2x |
| Gas Stations | 5.0% (higher) 5x, up to $500 | 2.0% 2x |
| Groceries | 5.0% (higher) 5x, up to $500 | 2.0% 2x |
| Streaming | 5.0% 5x, up to $500 | 5.0% 5x, up to $2,000 |
| Drugstores & Pharmacies | 5.0% (higher) 5x, up to $500 | 1.0% 1x |
| Home Improvement | 5.0% (higher) 5x, up to $500 | 1.0% 1x |
| Gym & Fitness | 5.0% 5x, up to $500 | 5.0% 5x, up to $2,000 |
| Rideshare & Transit | 5.0% 5x, up to $500 | 5.0% 5x, up to $2,000 |
| Entertainment | 5.0% 5x, up to $500 | 5.0% 5x, up to $2,000 |
| Travel | 5.0% (higher) 5x, up to $500 | 1.0% 1x |
| Card Travel Portals | 1.0% 1x | 5.0% (higher) 5x |
| Utilities | 1.0% 1x | 5.0% (higher) 5x, up to $2,000 |
| Internet & Cable | 1.0% 1x | 5.0% (higher) 5x, up to $2,000 |
| Department Stores | 1.0% 1x | 5.0% (higher) 5x, up to $2,000 |
| Phone & Wireless | 1.0% 1x | 5.0% (higher) 5x, up to $2,000 |
| Electronics Stores | 1.0% 1x | 5.0% (higher) 5x, up to $2,000 |
| EV Charging | 1.0% 1x | 2.0% (higher) 2x |
| Everything else | 1.0% 1x | 1.0% 1x |
Returns are the points per dollar times what a point is worth, using your smart setting. Caps and rotating categories change what you actually earn. How we value rewards
The better question is which one adds more to the cards you already have.
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