Edward Jones® Everyday Solutions Triple Rewards World Elite Mastercard® vs U.S. Bank Smartly Visa Signature Card
Both cards cost $0/yr. The Edward Jones® Everyday Solutions Triple Rewards World Elite Mastercard® leads on top spend category; the U.S. Bank Smartly Visa Signature Card on everyday spending.
Card data as of November 13, 2026.
Edward Jones® Everyday Solutions Triple Rewards World Elite Mastercard®U.S. Bank · No annual fee
U.S. Bank Smartly Visa Signature CardU.S. Bank · No annual fee
Overview
- Annual fee
- Edward Jones® Everyday Solutions Triple Rewards World Elite Mastercard®$0U.S. Bank Smartly Visa Signature Card$0
- Welcome offerCurrent public offer
- Edward Jones® Everyday Solutions Triple Rewards World Elite Mastercard®15,000 pointsU.S. Bank Smartly Visa Signature Card—
- Rewards
- Edward Jones® Everyday Solutions Triple Rewards World Elite Mastercard®Edward Jones Loyalty PointsU.S. Bank Smartly Visa Signature CardCash back
- Foreign transaction fee
- Edward Jones® Everyday Solutions Triple Rewards World Elite Mastercard®NoneLowestU.S. Bank Smartly Visa Signature Card3%
- Network
- Edward Jones® Everyday Solutions Triple Rewards World Elite Mastercard®Mastercard World EliteU.S. Bank Smartly Visa Signature CardVisa Signature
Earn ratesPer $1 spent · points and cash back aren’t ranked against each other
- Top Spend Category
- Edward Jones® Everyday Solutions Triple Rewards World Elite Mastercard®3xU.S. Bank Smartly Visa Signature Card2%
- Everything else
- Edward Jones® Everyday Solutions Triple Rewards World Elite Mastercard®1xU.S. Bank Smartly Visa Signature Card2%
Statement creditsAs the issuer states them · — means none on record
- Other credits
- Edward Jones® Everyday Solutions Triple Rewards World Elite Mastercard®—U.S. Bank Smartly Visa Signature Card
- Flexible redemption
Perks & access— means none on record
- Other perks
- Edward Jones® Everyday Solutions Triple Rewards World Elite Mastercard®—U.S. Bank Smartly Visa Signature Card
- Pay over time with a U.S. Bank ExtendPay® Plan.
Protections & insuranceLimits where published · — means none on record
- Purchase & returns
- Edward Jones® Everyday Solutions Triple Rewards World Elite Mastercard®
- Zero Fraud Liability Protection
U.S. Bank Smartly Visa Signature Card— - Other protections
- Edward Jones® Everyday Solutions Triple Rewards World Elite Mastercard®
- Mastercard ID Theft Protection™
U.S. Bank Smartly Visa Signature Card—
Pros & cons
- Pros
- Edward Jones® Everyday Solutions Triple Rewards World Elite Mastercard®—U.S. Bank Smartly Visa Signature Card
- Up to 4% cash back on all purchases with full U.S. Bank relationship
- No annual fee even at highest earning tier
- Visa Signature benefits including extended warranty, purchase protection, and rental car CDW
- Simple flat-rate structure eliminates category tracking
- Concierge service and travel assistance included
- Cons
- Edward Jones® Everyday Solutions Triple Rewards World Elite Mastercard®—U.S. Bank Smartly Visa Signature Card
- Requires U.S. Bank Smartly Checking + Savings accounts to earn maximum 4% rate
- Base 2% rate without relationship bonuses is below best flat-rate competitors
- Smartly Earning Bonus capped at $10,000 in purchases per billing cycle (spend above earns the 2% base)
- 3% foreign transaction fee limits international utility
- Must maintain multiple U.S. Bank accounts to maximize value
Category-by-Category Winner
No unconditional category winner — 1 category depend on how you earn.
Top Spend Category
Depends: Automatically applied to the top three categories of spend each month; no enrollment needed
Edward Jones® Everyday Solutions Triple Rewards World Elite Mastercard® earns 3X when conditions are met; U.S. Bank Smartly Visa Signature Card earns 1X (1X without restrictions)
Year One vs Ongoing Value
Modeled net value (bonus categories at unconditional rates, caps applied). Spend mix: dining 15%, groceries 15%, gas 10%, travel 10%, everything else 50%. Statement credits use the same recurring usable estimates as each card's detail page; first-year-only credits count in year one only. Welcome offers valued at each card's program rate shown on this page.
Close — depends on how much of the credits you use
| Scenario | Edward Jones® Everyday Solutions Triple Rewards World Elite Mastercard® | U.S. Bank Smartly Visa Signature Card | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $120 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $120 Year one: $120 | Rewards: $120 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $120 Year one: $120 | Close — depends on how much of the credits you use | Close — depends on how much of the credits you use |
| Heavy spender: $4,000/month | Rewards: $480 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $480 Year one: $480 | Rewards: $480 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $480 Year one: $480 | Close — depends on how much of the credits you use | Close — depends on how much of the credits you use |
The Bottom Line
Close — depends on how much of the credits you use
Frequently Asked Questions
- Which card earns more rewards, the Edward Jones® Everyday Solutions Triple Rewards World Elite Mastercard® or U.S. Bank Smartly Visa Signature Card?
- The Edward Jones® Everyday Solutions Triple Rewards World Elite Mastercard® has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.
- Should I get the Edward Jones® Everyday Solutions Triple Rewards World Elite Mastercard® or the U.S. Bank Smartly Visa Signature Card?
- Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.
Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published November 13, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.