Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
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 September 27, 2026.
U.S. Bank
U.S. Bank
Annual Fee
Welcome Bonus
| Category | Edward Jones® Everyday Solutions Triple Rewards World Elite Mastercard® | U.S. Bank Smartly Visa Signature Card |
|---|---|---|
| Top Spend Category | 3X | 1X |
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)
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.
Ongoing value favors the Edward Jones® Everyday Solutions Triple Rewards World Elite Mastercard®; year-one value favors the U.S. Bank Smartly Visa Signature Card.
| 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): $65 − Annual fee ($0) Ongoing: $185 Year one: $185 | Rewards: $120 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $120 Year one: $320 | Edward Jones® Everyday Solutions Triple Rewards World Elite Mastercard® |
Ongoing value favors the Edward Jones® Everyday Solutions Triple Rewards World Elite Mastercard®; year-one value favors the U.S. Bank Smartly Visa Signature Card.
| Everything Else |
| 1X |
| 1X |
Network
Key Benefits
Pros
Cons
| U.S. Bank Smartly Visa Signature Card |
| Heavy spender: $4,000/month | Rewards: $480 Credits (our usable estimate): $65 − Annual fee ($0) Ongoing: $545 Year one: $545 | Rewards: $480 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $480 Year one: $680 | Edward Jones® Everyday Solutions Triple Rewards World Elite Mastercard® | U.S. Bank Smartly Visa Signature Card |
Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
