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Capital One QuicksilverOne 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 QuicksilverOne Cash RewardsCapital One | U.S. Bank Smartly Visa SignatureU.S. Bank |
|---|---|---|
| Rating | 3.8/5 | 4.2/5 |
| Annual Fee | $39 | $0 |
| APR | 30.49% | 17.49% - 27.49% |
| Signup Bonus | None | None publicly listed |
| Rewards Rate | 1.5% cash back on every purchase | 2% cash back on every purchase, up to 4% with qualifying U.S. Bank Smartly Savings balance |
| Credit Score | fair | good |
| Pros | 1.5% cash back on everything — rare for a fair-credit card No foreign transaction fees See if you're pre-approved with no credit impact | 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 | $39 annual fee High 30.49% APR No signup bonus | 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 Capital One QuicksilverOne Cash Rewards (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.