Current Spending Account Debit Card vs U.S. Bank Smartly™ Visa Signature® Card: fees, rewards and APR compared - DebitCue Skip to content
DebitCue

Select your country to see available cards

Card eligibility and availability depend on your country of residence. Setting it now lets us hide cards that are not offered in your country.

Head-to-head

Current Spending Account Debit Card vs U.S. Bank Smartly™ Visa Signature® Card

Compare Current Spending Account Debit Card and U.S. Bank Smartly™ Visa Signature® Card side by side: fees, rewards, APR, and perks.

Last verified

Compared side by side

Cells with a check mark are the stronger value in that row. Ties stay unmarked.

Current Spending Account Debit Card versus U.S. Bank Smartly™ Visa Signature® Card compared by attribute
Feature Current Spending Account Debit Card U.S. Bank Smartly™ Visa Signature® Card
Card fee No fee No fee
Purchase APR (from) - 17.74%
Interest-free period - -
Foreign transaction fee 3% 3%
Rewards Earn up to 15x points at 14,000+ participating merchants (e.g. Subway, Rite Aid, Cold Stone Creamery). Points redeem for cash at 100 points = $1. Requires qualifying payroll deposit of $200+ in the preceding 35-day period to earn points. Unlimited 2% cash back on every purchase. Earn up to 4% total when you maintain qualifying U.S. Bank deposit account balances: 2.5% at $10k–$49,999; 3% at $50k–$99,999; 4% at $100k+. Bonus rates apply to first $10,000 in eligible net purchases per billing cycle.
Installments - U.S. Bank ExtendPay® Plans available — split eligible purchases into fixed monthly payments with no interest (small monthly fee applies after 60-day intro offer)
No card fee
No foreign transaction fee - -
Welcome bonus
Airport lounge access - -
Travel insurance - -
Apple Pay / Google Pay

Which is right for you

Pick by how you spend

  • Choose the Current Spending Account Debit Card if its checked rows above line up with how you spend most.
  • Choose the U.S. Bank Smartly™ Visa Signature® Card if it wins on the features that matter most to you.
  • Still unsure? Read each full review below, then apply on the issuer's secure site.
Full review Current Spending Account Debit Card Full review U.S. Bank Smartly™ Visa Signature® Card

Want a different match-up?

Line up any two cards side by side, or browse the full list to find your next card.

Compare other cards Browse all cards