Citi Strata℠ vs U.S. Bank Cash+®
Side-by-side comparison
| Citi Strata℠ | U.S. Bank Cash+® | |
|---|---|---|
| Annual fee | No annual fee | No annual fee |
| Welcome offer | 20,000 ThankYou® Points ($200 value) | $250 rewards bonus |
| Dining | 2x | 2x |
| Groceries | 3x | 2x |
| Gas | 3x | 5x |
| Travel | 1x | 5x |
| Streaming | 3x | 5x |
| Everything else | 1x | 1x |
| Est. yearly rewards* | $511 | $564 |
| Points type | Pools with Citi → transferable | Cash back only |
| Network | Mastercard | Visa |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified June 2026. See your own numbers in the calculator.
The verdict
On a typical year of household spending, the Citi Strata℠ earns about $511 a year in rewards and the U.S. Bank Cash+® about $564, valuing every point at a flat 1 cent. The Citi Strata℠ has no annual fee, so its rewards are all profit. The U.S. Bank Cash+® has no annual fee, so its rewards are all profit. Counting rewards and any credits, the U.S. Bank Cash+® delivers more total value, about $53 a year more for a typical spender, mostly because it earns more where you spend most, on travel and gas. The bigger difference is the ceiling: the Citi Strata℠ earns points you can move to travel partners for outsized value, while the U.S. Bank Cash+® pays plain cash back. Favor the Citi Strata℠ if you will use travel transfers, the U.S. Bank Cash+® if you want simplicity. On the sign-up bonus, the U.S. Bank Cash+® currently has the larger welcome offer. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Citi Strata℠ if your spending leans toward groceries. Pick the U.S. Bank Cash+® if your spending leans toward gas, travel, streaming.