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All comparisons
Head-to-head, 2026

Citi Strata Premier U.S. Bank Shopper Cash Rewards® Visa Signature® Card

Annual fee, welcome offer, top earning categories, and key benefits — compared side-by-side using Perqt's catalog data.

Citi

Strata Premier

Annual fee
$95
Network
mastercard
Welcome value
$600
Min spend
$4,000 / 3mo

Top earning rates

  • 10×car rentals · Citi ThankYou Points
  • 10×attractions · Citi ThankYou Points
  • 10×hotels · Citi ThankYou Points
  • 3×hotels · Citi ThankYou Points

Key benefits

  • Points Transfer to Partners · $150
  • $200 Annual Hotel Benefit · $100
  • Travel Protection Benefits · $50
  • No Foreign Transaction Fees · $30
  • Citi Entertainment® · $20
Full Citi Strata Premier review

U.S. Bank

Shopper Cash Rewards® Visa Signature® Card

Annual fee
$95
Network
visa
Welcome value
—
Min spend
—

Top earning rates

  • 6×selected retailers
  • 5.5×travel
  • 3×everyday category
  • 1.5×all other purchases

Key benefits

  • Annual Fee Waived First Year · $95
  • LED Contactless Payment Light · $10
Full U.S. Bank Shopper Cash Rewards® Visa Signature® Card review

Wondering which one is right for your wallet?

Spec sheets can't tell you which card actually earns more for the way you spend. Perqt connects to your wallet, runs the math against your real transactions, and tells you which of these two — or another card entirely — gives you the biggest annual uplift.

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