Upgrade OneCard™ vs U.S. Bank Smartly™ Visa Signature® Card: fees, rewards and APR compared - DebitCue Skip to content
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Upgrade OneCard™ vs U.S. Bank Smartly™ Visa Signature® Card

Compare Upgrade OneCard™ and U.S. Bank Smartly™ Visa Signature® Card side by side: fees, rewards, APR, and perks.

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Compared side by side

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

Upgrade OneCard™ versus U.S. Bank Smartly™ Visa Signature® Card compared by attribute
Feature Upgrade OneCard™ U.S. Bank Smartly™ Visa Signature® Card
Card fee No fee No fee
Purchase APR (from) 14.99% 17.74%
Interest-free period - -
Foreign transaction fee 3% 3%
Rewards Up to 3% cash back on everyday purchases (convenience stores, drugstores, restaurants, gas, utilities, subscriptions) and 2% on all other purchases when linked to a Rewards Checking Preferred account via Pay Now. Without the checking account link, earns 1.5% on all purchases. $500 annual cap on the 3% tier, then drops to 2%. 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 Dual-mode card: Pay Now automatically settles selected purchases the next day from a linked bank account (no interest); Pay Later converts purchases into fixed-rate closed-end installment loans. 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 Upgrade OneCard™ 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 Upgrade OneCard™ Full review U.S. Bank Smartly™ Visa Signature® Card

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