Compare Cards: U.S. Bank Cash+™ Visa Signature® Card vs. Citi Custom Cash® Card vs. Wells Fargo Active Cash

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Earning Rates	U.S. Bank Cash+™ Visa Signature® Card U.S. Bank no-annual-feepremium Details	Citi Custom Cash® Card Citi no-annual-feecash-backthankyou-pointstransferable Details	Wells Fargo Active Cash Wells Fargo no-annual-fee Details
First-year value Welcome offer + annual credits − annual fee	+$200	+$0	+$100
Annual Fee	Waived	Waived	Waived
Credit Required	Good to Excellent	Good	Good
Foreign Fee	Waived	$3	Waived
Welcome Offer	$200 Earn a $200 cash bonus after spending $1,000 in eligible purchases within the first 90 days of account opening. Spend $1,000 in 3 mo	— Not available: closed to new applicants. 0	$100 Earn a $100 cash rewards bonus when you spend $500 in purchases in the first 3 months. Spend $500 in 3 mo
Network	visa	mastercard	visa
Earning Rates
All Purchases	—	—	2× unlimited
All other eligible purchases	1× 1% cash back on all other eligible purchases	—	—
One chosen everyday category	2× 2% cash back on one everyday category you choose, such as grocery stores/grocery delivery, restaurants, or gas stations/EV charging	—	—
Other Purchases	—	1× 1% cash back on all other purchases	—
Prepaid travel through U.S. Bank Travel Center	5× 5% cash back on eligible air, hotel and car reservations booked directly in the U	—	—
Top Spend Category	—	5× 5% cash back on your top spend category (up to $500 per billing cycle)	—
Two chosen Cash+ categories	5× 5% cash back on the first $2,000 in combined eligible purchases each quarter in two categories you choose; categories must be selected and activated	—	—
Benefits & Credits	Other Benefits Cell phone protection: Up to $600 reimbursement for stolen/damaged cell phone when paying monthly bill with card Extended Pay Plan: 0% intro APR for 12 months with U		—
Insurance	Secondary Purchase Protection Extended Warranty