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Apple Card vs U.S. Bank Smartly Visa Signature
Side-by-side comparison of fees, rewards, benefits, and more.
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Feature Comparison
| Feature | Apple CardApple / Goldman Sachs | U.S. Bank Smartly Visa SignatureU.S. Bank |
|---|---|---|
| Rating | 3.8/5 | 4.2/5 |
| Annual Fee | $0 | $0 |
| APR | 17.49% - 27.74% | 17.49% - 27.49% |
| Signup Bonus | None | None publicly listed |
| Rewards Rate | 3% Daily Cash on Apple purchases and select merchants, 2% on Apple Pay purchases, 1% on everything else | 2% cash back on every purchase, up to 4% with qualifying U.S. Bank Smartly Savings balance |
| Credit Score | good | good |
| Pros | No fees at all — no annual fee, foreign transaction fee, or late fees 3% back at Apple and select partners like Uber, Walgreens, and Nike Daily Cash deposited to Apple Cash immediately | 2% unlimited cash back with no annual fee — matches Citi Double Cash Up to 4% back with qualifying U.S. Bank Smartly Savings balance 0% intro APR for 15 billing cycles on purchases and balance transfers |
| Cons | No signup bonus Only 1% with physical card (2% requires Apple Pay) Limited to Apple ecosystem for best experience | Best rates (3-4%) require U.S. Bank banking relationship with large balances No signup bonus publicly listed Limited to U.S. Bank ecosystem for maximum value |
| View Details → | View Details → |
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Verdict
Our Pick: U.S. Bank Smartly Visa Signature
With a 4.2/5 rating, the U.S. Bank Smartly Visa Signature edges out the Apple Card (3.8/5). No annual fee makes it easy to justify. The U.S. Bank Smartly Visa is a flat 2% cash back card that can scale to 4% if you park savings at U.S. Bank. No annual fee and a 0% intro APR make it competitive with the Citi Double Cash and Wells Fargo Active Cash.