U.S. Bank vs Citi bonuses

As of Jul 21, 2026, U.S. Bank has 3 live sign-up bonuses, up to $1,200. Citi has 3, up to $1,500. Here is how they compare, verified against each institution's own terms.

The quick take. Citi has the bigger headline bonus right now ($1,500). Both have a similar number of live offers. The best pick is the one whose requirement you can actually meet, so weigh the figures below against your own cash and direct deposit.

At a glance

	U.S. Bank	Citi
Live sign-up bonuses	3	3
Biggest cash bonus	$1,200	$1,500
Bonus types	bank, card	bank, card
ChexSystems	ChexSystems reported	Soft pull reported for checking
Credit pull	Hard inquiry for cards	Hard inquiry for cards
Eligibility	Checking bonus: verify the current exclusion window	Checking once per period; card once per 24 to 48 months (verify)

Current offers

U.S. Bank

U.S. Bank Business Checking$1,200

Deposit $25,000 new money, maintain 60 days, 6 transactions · sign-up bonus

U.S. Bank Triple Cash Rewards Card$750

$6,000 spend on the owner's card in 180 days · sign-up bonus

U.S. Bank Cash+ Visa Signature$250

$1,000 in eligible purchases in 90 days · sign-up bonus

Citi

Citigold Checking$1,500

Deposit $200,000+ within 20 days, maintain 60 days · sign-up bonus

Citi Double Cash$200

$1,500 in purchases in first 6 months · sign-up bonus

Citi AAdvantage Platinum Select80,000 miles

$3,500 in purchases in first 4 months · miles bonus

What to know about each

U.S. Bank

A large national bank with recurring checking bonuses and a solid card lineup (Cash+, Altitude). Bonuses lean on direct deposit; the card approvals are a normal hard pull.

Citi

One of the largest US banks and card issuers, running checking bonuses and a broad co-brand and cash-back card lineup. Card figures are often personalized.

Common questions

Which has the bigger sign-up bonus, U.S. Bank or Citi?

Citi has the bigger cash bonus right now, at $1,500. Figures change; both are checked against the source and shown above with the date.

Is U.S. Bank or Citi better for a sign-up bonus?

The better pick is the offer whose requirement you can actually meet. Weigh each bonus against the deposit or spend it needs, not just the headline number.

New to this? Start with how bank sign-up bonuses work, weigh both by value with the easiest to earn list, and see more head-to-heads on the compare page. Reference information, not financial advice.