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 Bank of America® Unlimited Cash Rewards credit card (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 Bank of America Unlimited Cash Rewards 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% first year, then 1.5% unlimited, up to 2.62% with Preferred Rewards. Earns a solid 1.5% 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 | Bank of America Unlimited Cash Rewards | U.S. Bank Smartly Visa Signature Card |
|---|---|---|
| Annual Fee | $0 | $0 |
| Sign-Up Bonus | $250 after $1,000 spend in 90 days | None |
| Foreign Transaction Fee | 3% | 3% |
| Base Reward Rate | 1.5% | 2% |
| Key Benefits | 2% first year, then 1.5% unlimited, up to 2.62% with Preferred Rewards. | 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.