Card comparisonSide by side
Citi Secured Mastercard vs U.S. Bank Smartly™ Visa Signature® Card
Compare fees, rewards, benefits, and card details in one table before choosing which review to open next.
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How to read missing comparison values
- A dash (—) means that value is not currently available for that card.
- Coverage labels like 2/4 cards show how many selected cards have that metric populated.
- Card Type, Card Tier, Rating, and Reward Program are editorial labels and may still be pending enrichment.
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| Feature | ||
|---|---|---|
| Basic Information | ||
Issuer | Citi | US Bank |
Card Network | ||
Card Type Data: 2/2 cards | secured | cashback |
Card Tier Data: 1/2 cards | — | Premium |
Credit Score | — | Good(700-749) |
Rating Data: 0/2 cards | — | — |
| Fees & APR | ||
Annual Fee | $0 | $0 |
Foreign Transaction Fee | None | None |
Purchase APR | — | 18.24% – 28.24% |
Intro APR | — | 0% for 12 months |
| Rewards | ||
Welcome Bonus | — | — |
Bonus Value | — | — |
Reward Rate Data: 1/2 cards | — | 4x pts on all purchases (with $100k+ balance) |
Reward Program Data: 1/2 cards | — | U.S. Bank Smartly Rewards |
| Earning Rates | ||
| All Purchases | — | 2x ptsEarn unlimited 2 Points per $1 spent on eligible Net Purchases with no caps. |
| All Purchases (with $100k+ balance) | — | 4x ptsEarn a total of 4 Points per $1 spent on your first $10,000 in eligible Net Purchases each billing cycle when paired with a U.S. Bank Smartly Savings account and qualifying checking/Safe Debit balances of $100,000 or more. |
| All Purchases (with $10k-$49.9k balance) | — | 2.5x ptsEarn a total of 2.5 Points per $1 spent on your first $10,000 in eligible Net Purchases each billing cycle when paired with a U.S. Bank Smartly Savings account and qualifying checking/Safe Debit balances between $10,000 and $49,999.99. |
| All Purchases (with $50k-$99.9k balance) | — | 3x ptsEarn a total of 3 Points per $1 spent on your first $10,000 in eligible Net Purchases each billing cycle when paired with a U.S. Bank Smartly Savings account and qualifying checking/Safe Debit balances between $50,000 and $99,999.99. |
| Benefits | ||
Key Benefits | — |
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