U.S. Bank Smartly™ Visa Signature® Card vs Varo Believe Secured Credit Card: fees, rewards and APR compared - DebitCue Skip to content
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U.S. Bank Smartly™ Visa Signature® Card vs Varo Believe Secured Credit Card

Compare U.S. Bank Smartly™ Visa Signature® Card and Varo Believe Secured Credit 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.

U.S. Bank Smartly™ Visa Signature® Card versus Varo Believe Secured Credit Card compared by attribute
Feature U.S. Bank Smartly™ Visa Signature® Card Varo Believe Secured Credit Card
Card fee No fee No fee
Purchase APR (from) 17.74% 0%
Interest-free period - -
Foreign transaction fee 3% 0%
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. Up to 8% cash back at select partner merchants via Varo Perks. Cashback is automatically deposited to your Varo Bank Account once you reach $5. Monthly cap of $200 in cashback.
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 U.S. Bank Smartly™ Visa Signature® Card if its checked rows above line up with how you spend most.
  • Choose the Varo Believe Secured Credit 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 U.S. Bank Smartly™ Visa Signature® Card Full review Varo Believe Secured Credit Card

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