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 Bass Pro Shops CLUB Mastercard (no annual fee) and the U.S. Bank Smartly™ Visa Signature® Card (no annual fee) comes down to where you spend most. Neither card has an annual fee, and U.S. Bank Smartly earns at least as much as Bass Pro Shops CLUB Mastercard in every category, more on dining, groceries, gas, flights, hotels, other travel and other purchases. Enter your monthly spending above to see which comes out ahead for you.
2% back at Bass Pro Shops and Cabela's, 1% elsewhere. The headline 5% needs $25,000 of annual spend.
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 | Bass Pro Shops CLUB Mastercard | U.S. Bank Smartly Visa Signature Card |
|---|---|---|
| Annual Fee | $0 | $0 |
| Sign-Up Bonus | $60 after $10 spend in 30 days | None |
| Foreign Transaction Fee | 0% | 3% |
| Base Reward Rate | 1% | 2% |
| Rates with conditions not counted in the rows above |
5% after $25,000 annual spend The advertised 5% at Bass Pro Shops and Cabela's needs $25,000 of annual spend, with an intermediate 3% tier at $10,000. Below that the rate is 2%, which is what the ranking uses. |
None |
| Key Benefits | 2% back at Bass Pro Shops and Cabela's, 1% elsewhere. The headline 5% needs $25,000 of annual spend. | Unlimited 2% cash back on every purchase (up to 4% with large U.S. Bank deposit balances). |
U.S. Bank Smartly Visa Signature Card wins on travel, dining, groceries, gas.
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.