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 Gemini 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, so it comes down to where you spend: Gemini earns more on dining and gas, U.S. Bank Smartly on flights, hotels, other travel and other purchases. Enter your monthly spending above to see which comes out ahead for you.
Strongest in gas at 4% (up to $3,600/yr). 4% on gas/EV/transit (up to $300/month), 3% dining, 2% groceries.
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 | Gemini Credit Card | 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% | 2% |
| Dining Rewards | 3% | 2% |
| Groceries Rewards | 2% | 2% |
| Gas Rewards | 4% (up to $3,600/yr) | 2% |
| Key Benefits | 4% on gas/EV/transit (up to $300/month), 3% dining, 2% groceries. | Unlimited 2% cash back on every purchase (up to 4% with large U.S. Bank deposit balances). |
Gemini Credit Card pulls ahead for dining, gas spending.
U.S. Bank Smartly Visa Signature Card wins on travel.
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.