Monthly spending. We rank on rewards minus the full annual fee, so statement credits and perks are listed separately and never counted for you.
Choosing between the Costco Anywhere Visa® Card by Citi (no annual fee) and the U.S. Bank Cash+® Visa Signature® Card (no annual fee) comes down to where you spend most. Neither card has an annual fee, so it comes down to where you spend: Costco Anywhere Visa earns more on dining, gas, flights, hotels and other travel, U.S. Bank Cash+ on groceries. Enter your monthly spending above to see which comes out ahead for you.
Strongest in gas at 4% (up to $7,000/yr). 4% on gas/EV (up to $7,000/yr), 3% on restaurants and travel, 2% on Costco purchases.
Perfect if: You want solid rewards without paying an annual fee.
Apply NowStrongest in groceries at 2%. 5% on two chosen categories up to $2,000/quarter, 2% on one everyday.
Perfect if: You want solid rewards without paying an annual fee.
Apply Now| Feature | Costco Anywhere Visa Card by Citi | U.S. Bank Cash+ Visa Signature Card |
|---|---|---|
| Annual Fee | $0 | $0 |
| Sign-Up Bonus | None | $200 after $1,000 spend in 90 days |
| Foreign Transaction Fee | 0% | 3% |
| Base Reward Rate | 1% | 1% |
| Travel Rewards | 3% | 1% |
| Dining Rewards | 3% | 1% |
| Groceries Rewards | 1% | 2% |
| Gas Rewards | 4% (up to $7,000/yr) | 1% |
| Rates with conditions not counted in the rows above |
5% on gas at Costco Earns 5% only on gas at Costco, within the same $7,000 yearly cap as other gas. Other gas stations earn 4%. 2% at Costco Earns 2% only at Costco and Costco.com. Groceries bought anywhere else earn 1%. |
5% on prepaid travel through the U.S. Bank Travel Center Earns 5% only on prepaid hotels and car rentals booked through the U.S. Bank Travel Center. Travel booked anywhere else earns 1%. |
| Key Benefits | 4% on gas/EV (up to $7,000/yr), 3% on restaurants and travel, 2% on Costco purchases. | 5% on two chosen categories up to $2,000/quarter, 2% on one everyday. |
Costco Anywhere Visa Card by Citi pulls ahead for travel, dining, gas spending.
U.S. Bank Cash+ Visa Signature Card wins on groceries.
Not sure which fits your life? Enter your spending below and we’ll do the math. The calculator ranks purely on rewards minus the full annual fee, so credits and perks are yours to judge.