Choosing between the Capital One Savor 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%. Unlimited 3% on dining, entertainment, groceries, and streaming; 5% on travel through Capital One.
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 | Capital One Savor Cash Rewards Credit Card | U.S. Bank Smartly Visa Signature Card |
|---|---|---|
| Annual Fee | $0 | $0 |
| Sign-Up Bonus | $250 after $500 spend in 3 months | None |
| Foreign Transaction Fee | 0% | 3% |
| Base Reward Rate | 1.0% | 2.0% |
| Travel Rewards | 5% | 2% |
| Dining Rewards | 3% | 2% |
| Groceries Rewards | 3% | 2% |
| Key Benefits | Unlimited 3% on dining, entertainment, groceries, and streaming; 5% on travel through Capital One. | Unlimited 2% cash back on every purchase (up to 4% with large U.S. Bank deposit balances). |
Capital One Savor Cash Rewards Credit Card pulls ahead for travel, dining, groceries spending.
U.S. Bank Smartly Visa Signature Card wins on 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.