Card comparisonSide by side
Gold Card 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.
Pair snapshot
2
cards
A-B
comparison
Comparison table
The numbers, lined up.
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.
Swipe horizontally to compare all columns
| Feature | ||
|---|---|---|
| Basic Information | ||
Issuer | American Express | US Bank |
Card Network | ||
Card Type Data: 2/2 cards | travel | cashback |
Card Tier Data: 2/2 cards | Mid Tier | Premium |
Credit Score | Good(700-749) | Good(700-749) |
Rating Data: 0/2 cards | — | — |
| Fees & APR | ||
Annual Fee | $250 | $0 |
Foreign Transaction Fee | None | None |
Purchase APR | 19.24% – 29.24% | 18.24% – 28.24% |
Intro APR | 0% for ? months | 0% for 12 months |
| Rewards | ||
Welcome Bonus | Earn 60,000 points | — |
Bonus Value | $600 | — |
Reward Rate Data: 2/2 cards | 4x pts on restaurants | 4% back on all purchases (with smartly earning bonus tier 3) |
Reward Program Data: 2/2 cards | Membership Rewards | U.S. Bank Smartly Rewards |
| Earning Rates | ||
| All Purchases (Base) | — | 2% backEarned as 2 points per $1 spent on eligible net purchases. Best cash back rates obtained when redeemed into an eligible U.S. Bank deposit account. |
| All Purchases (with Smartly Earning Bonus Tier 1) | — | 2.5% backIncludes a 25% Smartly Earning Bonus (total 2.5% cash back) with a qualifying balance between $10,000 and $49,999 in consumer checking and/or debit accounts paired with a Smartly Savings account. |
| All Purchases (with Smartly Earning Bonus Tier 2) | — | 3% backIncludes a 50% Smartly Earning Bonus (total 3% cash back) with a qualifying balance between $50,000 and $99,999 in consumer checking and/or debit accounts paired with a Smartly Savings account. |
| All Purchases (with Smartly Earning Bonus Tier 3) | — | 4% backIncludes a 100% Smartly Earning Bonus (total 4% cash back) with a qualifying balance of $100,000 or more in consumer checking and/or debit accounts paired with a Smartly Savings account. |
| restaurants | 4x ptson up to $25,000 in combined purchases per calendar year, then 1 point per dollar | — |
| supermarkets | 4x ptson up to $25,000 in combined purchases per calendar year, then 1 point per dollar | — |
| Benefits | ||
Key Benefits |
|
|
