Cash+ Visa Signature vs Double Cash: Which Is Actually Worth It?
Cash+ rewards concentration; Double Cash rewards diversity.
Cash+ Visa Signature
Earns generous rewards in just 2 select categories, period.
Double Cash
Two percent on everything. No categories, no calendar, no annual fee.
Side-by-side specs
| Cash+ Visa Signature | Double Cash | |
|---|---|---|
| Annual fee | $0 | $0 |
| Signup bonus | $200 after $1,000 in 120 days | $200 cash back after $1,500 in 6 months |
| APR range | 19.74–29.74% Variable | 19.24-29.24% Variable |
| Foreign tx fee | 3% | 3% |
| Credit target | good to excellent | good to excellent |
Cash+ Visa Signature earn rates
Double Cash earn rates
The verdict
Your top two spending categories hit $500+/month combined - at 5% that's $25+/month vs Double Cash's $10 on the same spend.
Apply at U.S. Bank →Your spending is too spread out to concentrate on two categories - flat 2% captures everything reliably.
Apply at Citi →Track what both cards actually earn you, WalletHub Premium syncs all your cards and monitors your credit daily.
Cash+ Visa Signature annual fee $0, APR 19.74–29.74% Variable, signup offer $200 after $1,000 in 120 days, terms as of 2026-05-06. Double Cash annual fee $0, APR 19.24-29.24% Variable, signup offer $200 cash back after $1,500 in 6 months, terms as of 2026-05-03. Verify current terms on the issuer's site before applying. We earn a referral fee on approved applications referred via Apply links, at no cost to you.