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.
Strongest in travel at 5%. 5% on two chosen categories up to $2,000/quarter, 2% on one everyday.
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 | 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% |
| Travel Rewards | 5% | 2% |
| Groceries Rewards | 2% | 2% |
| 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). |
U.S. Bank Cash+ Visa Signature Card pulls ahead for travel spending.
U.S. Bank Smartly Visa Signature Card wins on dining, 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.