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 Fidelity Rewards Visa Signature Card leads on everyday spending; the U.S. Bank Smartly Visa Signature Card on everyday spending.
Card data as of September 27, 2026.
Annual Fee
Welcome Bonus
Network
Key Benefits
Pros
Cons
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.
Both scenarios favor the Fidelity Rewards Visa Signature Card on net value (rewards, usable credits, fees, and welcome offer).
| Scenario | Fidelity Rewards Visa Signature Card | U.S. Bank Smartly Visa Signature Card | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $240 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $240 Year one: $390 | Rewards: $120 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $120 Year one: $320 | Fidelity Rewards Visa Signature Card | Fidelity Rewards Visa Signature Card |
| Heavy spender: $4,000/month | Rewards: $960 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $960 Year one: $1,110 | Rewards: $480 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $480 Year one: $680 |
Both scenarios favor the Fidelity Rewards Visa Signature Card on net value (rewards, usable credits, fees, and welcome offer).
| Fidelity Rewards Visa Signature Card |
| Fidelity Rewards 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.
