Choosing between the Capital One Quicksilver 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. Both cards can deliver real value — let’s break it down, then run your numbers to find the winner.
Strongest in travel at 5% via portal. Unlimited 1.5% cash back on all purchases, 5% on Capital One Travel bookings. Earns a solid 1.5% on everything else.
Perfect if: You're comfortable booking through the issuer's portal for the best rate.
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 | Capital One Quicksilver Cash Rewards Credit Card | U.S. Bank Smartly Visa Signature Card |
|---|---|---|
| Annual Fee | $0 | $0 |
| Sign-Up Bonus | $200 after $500 spend in 3 months | None |
| Foreign Transaction Fee | 0% | 3% |
| Base Reward Rate | 1.5% | 2.0% |
| Travel Rewards | 5% | 2% |
| Key Benefits | Unlimited 1.5% cash back on all purchases, 5% on Capital One Travel bookings. | Unlimited 2% cash back on every purchase (up to 4% with large U.S. Bank deposit balances). |
Capital One Quicksilver Cash Rewards Credit Card pulls ahead for travel spending.
U.S. Bank Smartly Visa Signature Card wins on dining, groceries, gas.
Not sure which fits your life? Enter your spending below and we’ll do the math.
Enter your typical monthly spending and we’ll show you exactly which card earns more — including fees and bonuses.