Which card earns more rewards, the SKYPASS SkyBlue Visa® or U.S. Bank Smartly Visa Signature Card?

The SKYPASS SkyBlue Visa® has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.

Should I get the SKYPASS SkyBlue Visa® 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.

SKYPASS SkyBlue Visa® vs U.S. Bank Smartly Visa Signature Card

Both cards cost $0/yr. The SKYPASS SkyBlue Visa® leads on ridesharing; the U.S. Bank Smartly Visa Signature Card on everyday spending.

Card data as of November 13, 2026.

Credit card comparison
Overview
	SKYPASS SkyBlue Visa® U.S. Bank · No annual fee	U.S. Bank Smartly Visa Signature Card U.S. Bank · No annual fee
Annual fee	$0	$0
Welcome offerCurrent public offer	10,000 points	—
Rewards	Korean Air SKYPASS	Cash back
Foreign transaction fee	3%	3%
Network	Visa	Visa Signature
Earn ratesPer $1 spent · points and cash back aren’t ranked against each other
Ridesharing	2x	2%
Streaming	2x	2%
Everything else	1x	2%
Statement creditsAs the issuer states them · — means none on record
Other credits	—	Flexible redemption
Perks & access— means none on record
Other perks	—	Pay over time with a U.S. Bank ExtendPay® Plan.
Protections & insuranceLimits where published · — means none on record
Rental car	Auto Rental Collision Damage Waiver	—
Purchase & returns	Zero Liability on unauthorized charges	—
Other protections	24/7 lost/stolen card assistance worldwide	—
Pros & cons
Pros	—	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	—	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
	Card details	Card details

SKYPASS SkyBlue Visa®
U.S. Bank · No annual fee
U.S. Bank Smartly Visa Signature Card
U.S. Bank · No annual fee

Overview

Annual fee: SKYPASS SkyBlue Visa®
$0
U.S. Bank Smartly Visa Signature Card
$0
Welcome offerCurrent public offer: SKYPASS SkyBlue Visa®
10,000 points
U.S. Bank Smartly Visa Signature Card
—
Rewards: SKYPASS SkyBlue Visa®
Korean Air SKYPASS
U.S. Bank Smartly Visa Signature Card
Cash back
Foreign transaction fee: SKYPASS SkyBlue Visa®
3%
U.S. Bank Smartly Visa Signature Card
3%
Network: SKYPASS SkyBlue Visa®
Visa
U.S. Bank Smartly Visa Signature Card
Visa Signature

Earn ratesPer $1 spent · points and cash back aren’t ranked against each other

Ridesharing: SKYPASS SkyBlue Visa®
2x
U.S. Bank Smartly Visa Signature Card
2%
Streaming: SKYPASS SkyBlue Visa®
2x
U.S. Bank Smartly Visa Signature Card
2%
Everything else: SKYPASS SkyBlue Visa®
1x
U.S. Bank Smartly Visa Signature Card
2%

Statement creditsAs the issuer states them · — means none on record

Other credits: SKYPASS SkyBlue Visa®
—
U.S. Bank Smartly Visa Signature Card
Flexible redemption

Perks & access— means none on record

Other perks: SKYPASS SkyBlue Visa®
—
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

Rental car: SKYPASS SkyBlue Visa®
Auto Rental Collision Damage Waiver
U.S. Bank Smartly Visa Signature Card
—
Purchase & returns: SKYPASS SkyBlue Visa®
Zero Liability on unauthorized charges
U.S. Bank Smartly Visa Signature Card
—
Other protections: SKYPASS SkyBlue Visa®
24/7 lost/stolen card assistance worldwide
U.S. Bank Smartly Visa Signature Card
—

Pros & cons

Pros: SKYPASS SkyBlue Visa®
—
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: SKYPASS SkyBlue Visa®
—
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

Card details

Add a 3rd or 4th card to this comparison →

Category-by-Category Winner

The SKYPASS SkyBlue Visa® wins in 2 of 2 categories. The U.S. Bank Smartly Visa Signature Card leads in 0.

Ridesharing

SKYPASS SkyBlue Visa® earns 2X vs 1X

Streaming

SKYPASS SkyBlue Visa® earns 2X vs 1X

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.

Both scenarios favor the SKYPASS SkyBlue Visa® on net value (rewards, usable credits, fees, and welcome offer).

Scenario	SKYPASS SkyBlue Visa®	U.S. Bank Smartly Visa Signature Card	Ongoing winner	Year-one winner
Light spender: $1,000/month	Rewards: $144 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $144 Year one: $264	Rewards: $120 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $120 Year one: $120	SKYPASS SkyBlue Visa®	SKYPASS SkyBlue Visa®
Heavy spender: $4,000/month	Rewards: $576 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $576 Year one: $696	Rewards: $480 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $480 Year one: $480	SKYPASS SkyBlue Visa®	SKYPASS SkyBlue Visa®

The Bottom Line

Both scenarios favor the SKYPASS SkyBlue Visa® on net value (rewards, usable credits, fees, and welcome offer).

Frequently Asked Questions

Which card earns more rewards, the SKYPASS SkyBlue Visa® or U.S. Bank Smartly Visa Signature Card?: The SKYPASS SkyBlue Visa® has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.
Should I get the SKYPASS SkyBlue Visa® 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.

Explore More

SKYPASS SkyBlue Visa® — Full Review All U.S. Bank Cards

U.S. Bank Smartly Visa Signature Card — Full Review All U.S. Bank Cards

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Official issuer pages: U.S. Bank cards

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.