Which card earns more rewards, the SoFi Credit Card or U.S. Bank Smartly Visa Signature Card?

Both cards earn 0X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.

Should I get the SoFi Credit Card 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.

Which card earns more rewards, the SoFi Credit Card or U.S. Bank Smartly Visa Signature Card?

Both cards earn 0X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.

Should I get the SoFi Credit Card 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.

Which card earns more rewards, the SoFi Credit Card or U.S. Bank Smartly Visa Signature Card?

Both cards earn 0X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.

Should I get the SoFi Credit Card 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.

CardRewards

Editorial disclosure: CardRewards.ai is an independent comparison service. Our analysis is based on publicly available card data and is reviewed regularly by our editorial team. Card issuers do not influence our rankings or content. Last updated: May 2026.

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SoFi Credit Card vs U.S. Bank Smartly Visa Signature Card

Both cards cost $0/yr. The SoFi Credit Card is better for travel, while the U.S. Bank Smartly Visa Signature Card wins on everyday spending. Here's how they compare.

No image

SoFi Credit Card

SoFi

U.S. Bank Smartly Visa Signature Card

U.S. Bank

Fees & Welcome Offer

Annual Fee

Welcome Bonus

—

Earn Rates

Benefits & Features

Network

MASTERCARD

VISA

Key Benefits

None

Pros & Cons

Pros

+2% unlimited cash back on all purchases when redeemed to SoFi accounts
+3% cash back on travel booked through SoFi Travel portal
+No annual fee
+No foreign transaction fees
+No balance transfer fee for transfers within first 30 days

+Up to 4% cash back on all purchases with full U.S. Bank relationship
+No annual fee even at highest earning tier
+$250 welcome bonus after $1,000 spend in 120 days
+Visa Signature benefits including extended warranty, purchase protection, and rental car CDW
+Simple flat-rate structure eliminates category tracking

Cons

−Only 1% cash back if not redeemed to SoFi accounts
−Requires SoFi account to maximize rewards

Frequently Asked Questions

Which card earns more rewards, the SoFi Credit Card or U.S. Bank Smartly Visa Signature Card?: Both cards earn 0X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
Should I get the SoFi Credit Card 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

SoFi Credit Card — Full Review All SoFi Cards

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

Browse all comparisons →Browse all card categories →

Official issuer pages: SoFi cards · U.S. Bank cards

Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: May 2026.

SoFi Credit Card vs U.S. Bank Smartly Visa Signature Card

Both cards cost $0/yr. The SoFi Credit Card is better for travel, while the U.S. Bank Smartly Visa Signature Card wins on everyday spending. Here's how they compare.

No image

SoFi Credit Card

SoFi

U.S. Bank Smartly Visa Signature Card

U.S. Bank

Fees & Welcome Offer

Annual Fee

Welcome Bonus

—

Earn Rates

Benefits & Features

Network

MASTERCARD

VISA

Key Benefits

None

Pros & Cons

Pros

+2% unlimited cash back on all purchases when redeemed to SoFi accounts
+3% cash back on travel booked through SoFi Travel portal
+No annual fee
+No foreign transaction fees
+No balance transfer fee for transfers within first 30 days

+Up to 4% cash back on all purchases with full U.S. Bank relationship
+No annual fee even at highest earning tier
+$250 welcome bonus after $1,000 spend in 120 days
+Visa Signature benefits including extended warranty, purchase protection, and rental car CDW
+Simple flat-rate structure eliminates category tracking

Cons

−Only 1% cash back if not redeemed to SoFi accounts
−Requires SoFi account to maximize rewards

Frequently Asked Questions

Which card earns more rewards, the SoFi Credit Card or U.S. Bank Smartly Visa Signature Card?: Both cards earn 0X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
Should I get the SoFi Credit Card 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

SoFi Credit Card — Full Review All SoFi Cards

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

Browse all comparisons →Browse all card categories →

Official issuer pages: SoFi cards · U.S. Bank cards

SoFi Credit Card vs U.S. Bank Smartly Visa Signature Card

Both cards cost $0/yr. The SoFi Credit Card is better for travel, while the U.S. Bank Smartly Visa Signature Card wins on everyday spending. Here's how they compare.

No image

SoFi Credit Card

SoFi

U.S. Bank Smartly Visa Signature Card

U.S. Bank

Fees & Welcome Offer

Annual Fee

Welcome Bonus

—

Earn Rates

Benefits & Features

Network

MASTERCARD

VISA

Key Benefits

None

Pros & Cons

Pros

+2% unlimited cash back on all purchases when redeemed to SoFi accounts
+3% cash back on travel booked through SoFi Travel portal
+No annual fee
+No foreign transaction fees
+No balance transfer fee for transfers within first 30 days

+Up to 4% cash back on all purchases with full U.S. Bank relationship
+No annual fee even at highest earning tier
+$250 welcome bonus after $1,000 spend in 120 days
+Visa Signature benefits including extended warranty, purchase protection, and rental car CDW
+Simple flat-rate structure eliminates category tracking

Cons

−Only 1% cash back if not redeemed to SoFi accounts
−Requires SoFi account to maximize rewards

Frequently Asked Questions

Which card earns more rewards, the SoFi Credit Card or U.S. Bank Smartly Visa Signature Card?: Both cards earn 0X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
Should I get the SoFi Credit Card 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

SoFi Credit Card — Full Review All SoFi Cards

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

Browse all comparisons →Browse all card categories →

Official issuer pages: SoFi cards · U.S. Bank cards