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

Compare Upgrade Select Visa® 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 Select Visa® versus U.S. Bank Smartly™ Visa Signature® Card compared by attribute
Feature Upgrade Select Visa® U.S. Bank Smartly™ Visa Signature® Card
Card fee $39 USD/yr No fee
Purchase APR (from) 21.96% 17.74%
Interest-free period - -
Foreign transaction fee 3% 3%
Rewards No flat ongoing cash back rate. Cardholders can earn cash back on qualifying purchases at participating merchants through Upgrade Shopping (powered by Dosh). No guaranteed base reward rate. 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 Each purchase converts to a closed-end installment loan at a fixed rate and term. Annual fee is billed in 12 equal monthly installments drawn from the credit line. 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 Select Visa® 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 Select Visa® Full review U.S. Bank Smartly™ Visa Signature® Card

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