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

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

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

The U.S. Bank Cash+ Visa Signature Card earns 1.0% 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 U.S. Bank Cash+ Visa Signature Card better than the U.S. Bank Smartly Visa Signature Card?

It depends on your spending. If you spend more on categories where the U.S. Bank Cash+ Visa Signature Card offers higher rewards, it may be better. Use our calculator to compare based on your actual monthly spending.

U.S. Bank Cash+® Visa Signature® Card 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 U.S. Bank Cash+® Visa Signature® 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.

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Meet the Contenders

U.S. Bank Cash+ Visa Signature Card

Strongest in groceries at 2%. 5% on two chosen categories up to $2,000/quarter, 2% on one everyday.

Annual fee: None Sign-up bonus: $250 after $1,000 spend in 90 days Foreign fees: 3%

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	U.S. Bank Cash+ Visa Signature Card	U.S. Bank Smartly Visa Signature Card
Annual Fee	$0	$0
Sign-Up Bonus	$250 after $1,000 spend in 90 days	None
Foreign Transaction Fee	3%	3%
Base Reward Rate	1.0%	2.0%
Groceries Rewards	2%	2%
Rates with conditions not counted in the rows above	5% on prepaid travel Earns 5% only on prepaid hotels and car rentals booked through the U.S. Bank Travel Center. Travel booked anywhere else earns 1%.	None
Key Benefits	5% on two chosen categories up to $2,000/quarter, 2% on one everyday.	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, 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.