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Capital One Quicksilver Cash Rewards vs U.S. Bank Smartly Visa Signature
Side-by-side comparison of fees, rewards, benefits, and more.
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Feature Comparison
| Feature | Capital One Quicksilver Cash RewardsCapital One | U.S. Bank Smartly Visa SignatureU.S. Bank |
|---|---|---|
| Rating | 4.3/5 | 4.2/5 |
| Annual Fee | $0 | $0 |
| APR | 18.49% - 28.49% | 17.49% - 27.49% |
| Signup Bonus | $200 cash bonus after spending $500 in 3 months | None publicly listed |
| Rewards Rate | 1.5% cash back on every purchase, 5% on hotels and rental cars through Capital One Travel | 2% cash back on every purchase, up to 4% with qualifying U.S. Bank Smartly Savings balance |
| Credit Score | good | good |
| Pros | 1.5% unlimited cash back on every purchase with no annual fee 5% on hotels and rental cars through Capital One Travel No foreign transaction fees | 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 | 1.5% base rate trails 2% flat-rate competitors No bonus spending categories beyond travel portal No intro APR on purchases | 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: Capital One Quicksilver Cash Rewards
With a 4.3/5 rating, the Capital One Quicksilver Cash Rewards edges out the U.S. Bank Smartly Visa Signature (4.2/5). No annual fee makes it easy to justify. The Capital One Quicksilver is a straightforward 1.5% cash back card with no annual fee and no foreign transaction fees. It won't top the charts on raw rewards, but it's simple, globally accepted, and earns 5% on travel booked through Capital One.