Citi Custom Cash® Card vs U.S. Bank Cash+® Visa Signature® Card
Effective return by category
| Category | Citi Custom Cash® Card | U.S. Bank Cash+® Visa Signature® Card |
|---|---|---|
| Dining & Restaurants | 5.00% 5x · $500 cap | 2.00% 2x |
| Gas Stations | 5.00% 5x · $500 cap | 2.00% 2x |
| Groceries | 5.00% 5x · $500 cap | 2.00% 2x |
| Home Improvement | 5.00% 5x · $500 cap | 1.00% 1x |
| Gym & Fitness | 5.00% 5x · $500 cap | 5.00% 5x · $2,000 cap |
| Drugstores & Pharmacies | 5.00% 5x · $500 cap | 1.00% 1x |
| Streaming | 5.00% 5x · $500 cap | 5.00% 5x · $2,000 cap |
| Rideshare & Transit | 5.00% 5x · $500 cap | 5.00% 5x · $2,000 cap |
| Entertainment | 5.00% 5x · $500 cap | 5.00% 5x · $2,000 cap |
| Travel | 5.00% 5x · $500 cap | 1.00% 1x |
| Utilities | 1.00% 1x | 5.00% 5x · $2,000 cap |
| Internet & Cable | 1.00% 1x | 5.00% 5x · $2,000 cap |
| Phone & Wireless | 1.00% 1x | 5.00% 5x · $2,000 cap |
| Department Stores | 1.00% 1x | 5.00% 5x · $2,000 cap |
| Electronics Stores | 1.00% 1x | 5.00% 5x · $2,000 cap |
| Card Travel Portals | 1.00% 1x | 5.00% 5x |
| Everything else | 1.00% 1x | 1.00% 1x |
Returns are multiplier × point value, using your “smart” setting. Caps and rotating categories affect real-world earnings.
The better question: which one adds more to your wallet?
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