Card comparisonSide by side
U.S. Bank Cash+® Visa Signature® 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.
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- A dash (—) means that value is not currently available for that card.
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- 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 | US Bank | US Bank |
Card Network | ||
Card Type Data: 2/2 cards | cashback | cashback |
Card Tier Data: 2/2 cards | Premium | Premium |
Credit Score | Good(700-749) | Good(700-749) |
Rating Data: 0/2 cards | — | — |
| Fees & APR | ||
Annual Fee | $0 | $0 |
Foreign Transaction Fee | None | None |
Purchase APR | 17.74% – 27.99% | 18.24% – 28.24% |
Intro APR | 0% for 15 months | 0% for 12 months |
| Rewards | ||
Welcome Bonus | Earn $250 | — |
Bonus Value | $250 | — |
Reward Rate Data: 2/2 cards | 5% back on prepaid travel center bookings | 4% back on all purchases (with smartly earning bonus tier 3) |
Reward Program Data: 2/2 cards | U.S. Bank Cash+ Rewards | U.S. Bank Smartly Rewards |
| Earning Rates | ||
| All Other Eligible Purchases | 1% backStandard rate on non-category purchases or on chosen category spend exceeding the quarterly cap. | — |
| 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. |
| One Chosen Everyday Category | 2% backOn one everyday category chosen each quarter (e.g., gas/EV charging, grocery stores, or restaurants). Excludes discount stores, supercenters, and wholesale clubs. | — |
| Prepaid Travel Center Bookings | 5% backMust be booked directly in the U.S. Bank Travel Center using your Cash+ Card. | — |
| Two Chosen Categories | 5% backOn the first $2,000 in combined eligible purchases each quarter on two categories you choose (e.g., cell phone, department stores, fast food). Purchases over cap earn 1%. | — |
| Benefits | ||
Key Benefits |
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