Which card has a lower annual fee, REI Co-op Mastercard or U.S. Bank Smartly Visa Signature Card?

The REI Co-op Mastercard has no annual fee, compared to $0 for the U.S. Bank Smartly Visa Signature Card.

Which card earns more cash back, REI Co-op Mastercard or U.S. Bank Smartly Visa Signature Card?

The REI Co-op Mastercard 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 REI Co-op Mastercard better than the U.S. Bank Smartly Visa Signature Card?

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

REI Co-op® Mastercard® vs U.S. Bank Smartly™ Visa Signature® Card: Which Card Wins for Your Spending?

Which earns more for you?

Travel ($)

Dining ($)

Groceries ($)

Gas ($)

Special ($)

Other ($)

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 REI Co-op® Mastercard® (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.

Affiliate Disclosure: PointsCompare may earn a commission when you apply for a card through links on this site. This doesn't affect our rankings. Cards are ordered by rewards value for your spending. Full disclosure policy

Meet the Contenders

REI Co-op Mastercard

5% back at REI and rei.com, 1.5% on everything else, with no annual fee and no foreign transaction fees. Earns a solid 1.5% on everything else.

Annual fee: None Sign-up bonus: $100 after $1 spend in 2 months Foreign fees: 0%

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

Apply Now

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.

Apply Now

Head-to-Head Comparison

Feature	REI Co-op Mastercard	U.S. Bank Smartly Visa Signature Card
Annual Fee	$0	$0
Sign-Up Bonus	$100 after $1 spend in 2 months	None
Foreign Transaction Fee	0%	3%
Base Reward Rate	1.5%	2.0%
Key Benefits	5% back at REI and rei.com, 1.5% on everything else, with no annual fee and no foreign transaction fees.	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. The calculator ranks purely on rewards minus the full annual fee, so credits and perks are yours to judge.