Citi Strata℠ Card vs U.S. Bank Cash+ Secured Visa Card
U.S. Bank Cash+ Secured Visa Card earns more in 9 of the 15 categories we track. Neither has an annual fee.
The basics
| Detail | Citi Strata℠ Card | U.S. Bank Cash+ Secured Visa Card |
|---|---|---|
| Annual fee | None | None |
| Card type | Personal | Personal |
| Rewards | ThankYou Points | Cash Back |
| Each point is worth | 1.00¢ | 1.00¢ |
| Everywhere else | 1x | 1x |
| Welcome bonus | 20,000 ThankYou Points after $1,000 in 90 days | — |
What each earns
| Category | Citi Strata℠ Card | U.S. Bank Cash+ Secured Visa Card |
|---|---|---|
| Rideshare & Transit | 3.0% 3x | 5.0% (higher) 5x, up to $2,000 |
| Gym & Fitness | 3.0% 3x | 5.0% (higher) 5x, up to $2,000 |
| Streaming | 3.0% 3x | 5.0% (higher) 5x, up to $2,000 |
| Entertainment | 3.0% 3x | 5.0% (higher) 5x, up to $2,000 |
| Card Travel Portals | 5.0% 5x | 5.0% 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 |
| Groceries | 3.0% (higher) 3x | 2.0% 2x |
| EV Charging | 3.0% (higher) 3x | 2.0% 2x |
| Gas Stations | 3.0% (higher) 3x | 2.0% 2x |
| Dining & Restaurants | 2.0% 2x | 2.0% 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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