U.S. Bank Smartly™ Visa Signature® Card vs U.S. Bank Split™ World Mastercard®: 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

U.S. Bank Smartly™ Visa Signature® Card vs U.S. Bank Split™ World Mastercard®

Compare U.S. Bank Smartly™ Visa Signature® Card and U.S. Bank Split™ World Mastercard® 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.

U.S. Bank Smartly™ Visa Signature® Card versus U.S. Bank Split™ World Mastercard® compared by attribute
Feature U.S. Bank Smartly™ Visa Signature® Card U.S. Bank Split™ World Mastercard®
Card fee No fee No fee
Purchase APR (from) 17.74% -
Interest-free period - -
Foreign transaction fee 3% 3%
Rewards 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. No rewards program. All purchases are automatically split into installment plans — no interest charges on any plan.
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) All purchases automatically split into 3 equal monthly payments with no interest and no plan fee. Purchases of $100+ can be extended to 6 or 12 months for a fixed monthly plan fee of 1.5% of the original plan amount. Small purchases under $100 combined into a 3-month plan that cannot be extended.
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 U.S. Bank Smartly™ Visa Signature® Card if its checked rows above line up with how you spend most.
  • Choose the U.S. Bank Split™ World Mastercard® 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 U.S. Bank Smartly™ Visa Signature® Card Full review U.S. Bank Split™ World Mastercard®

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