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 Apple Card (no annual fee) and the U.S. Bank Smartly™ Visa Signature® Card (no annual fee) comes down to where you spend most. Both cards can deliver real value. Let’s break it down, then run your numbers to find the winner.
3% at Apple and select merchants, 2% with Apple Pay, 1% with physical card. Earns a solid 2.0% on everything else.
Perfect if: You want solid rewards without paying an annual fee.
Apply NowUnlimited 2% cash back on every purchase (up to 4% with large U.S. Bank deposit balances). Earns a solid 2.0% on everything else.
Perfect if: You want solid rewards without paying an annual fee.
Apply Now| Feature | Apple Card | U.S. Bank Smartly Visa Signature Card |
|---|---|---|
| Annual Fee | $0 | $0 |
| Sign-Up Bonus | None | None |
| Foreign Transaction Fee | 0% | 3% |
| Base Reward Rate | 2.0% | 2.0% |
| Key Benefits | 3% at Apple and select merchants, 2% with Apple Pay, 1% with physical card. | Unlimited 2% cash back on every purchase (up to 4% with large U.S. Bank deposit balances). |
These cards are closely matched across categories, so the winner comes down to your specific spending mix.
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.