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Amazon Prime Visa vs U.S. Bank Smartly Visa Signature
Side-by-side comparison of fees, rewards, benefits, and more.
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Feature Comparison
| Feature | Amazon Prime VisaChase | U.S. Bank Smartly Visa SignatureU.S. Bank |
|---|---|---|
| Rating | 4.4/5 | 4.2/5 |
| Annual Fee | $0 | $0 |
| APR | 18.74% - 27.49% | 17.49% - 27.49% |
| Signup Bonus | $200 Amazon Gift Card upon approval | None publicly listed |
| Rewards Rate | 5% at Amazon.com, Amazon Fresh, and Whole Foods Market, 5% on Chase Travel, 2% at restaurants, gas stations, and transit, 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 | 5% back at Amazon, Amazon Fresh, and Whole Foods with no annual fee 5% on Chase Travel purchases 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 | Requires active Amazon Prime membership ($139/year) Only 1% on most non-category purchases Rewards are most valuable within Amazon ecosystem | 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: Amazon Prime Visa
With a 4.4/5 rating, the Amazon Prime Visa edges out the U.S. Bank Smartly Visa Signature (4.2/5). No annual fee makes it easy to justify. The Amazon Prime Visa is a must-have for Prime members. 5% back at Amazon and Whole Foods with no annual card fee makes it the best way to save on purchases you're already making. Just factor in the $139/year Prime membership as the real cost.