Which card has a lower annual fee, Fold or U.S. Bank Smartly Visa Signature Card?

The Fold has no annual fee, compared to $0 for the U.S. Bank Smartly Visa Signature Card.

Which card earns more cash back, Fold or U.S. Bank Smartly Visa Signature Card?

The Fold earns 1.5% base cash back, while the U.S. Bank Smartly Visa Signature Card earns 2.0%. The best choice depends on your spending habits—use the calculator to see which card earns you more.

Is the Fold better than the U.S. Bank Smartly Visa Signature Card?

It depends on your spending. If you spend more on categories where the Fold offers higher rewards, it may be better. Use our calculator to compare based on your actual monthly spending.

Fold vs U.S. Bank Smartly Visa Signature Card: Which Card Wins for Your Spending?

Choosing between the Fold (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.

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Meet the Contenders

Fold

1.5% bitcoin back on all purchases (stackable up to 4% with bitcoin activity). Earns a solid 1.5% on everything else.

Annual fee: None Foreign fees: 0%

Perfect if: You want solid rewards without paying an annual fee.

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U.S. Bank Smartly Visa Signature Card

Unlimited 2% cash back on every purchase (up to 4% with large U.S. Bank deposit balances). Earns a solid 2.0% on everything else.

Annual fee: None Foreign fees: 3%

Perfect if: You want solid rewards without paying an annual fee.

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Head-to-Head Comparison

Feature	Fold	U.S. Bank Smartly Visa Signature Card
Annual Fee	$0	$0
Sign-Up Bonus	None	None
Foreign Transaction Fee	0%	3%
Base Reward Rate	1.5%	2.0%
Key Benefits	1.5% bitcoin back on all purchases (stackable up to 4% with bitcoin activity).	Unlimited 2% cash back on every purchase (up to 4% with large U.S. Bank deposit balances).

The Verdict

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.

See Which Card Wins for YOU

Enter your typical monthly spending and we’ll show you exactly which card earns more — including fees and bonuses.

Travel Spending ($)

Dining Spending ($)

Groceries Spending ($)

Gas Spending ($)

Special Category ($)

Other Spending ($)