The Smartly Visa Signature is a flat 2% cash back card on every purchase with no annual fee, which makes it a reasonable default for spending that doesn't fall into anyone's bonus categories. Simplicity is the entire appeal: nothing to enroll in, nothing to re-select each quarter, and no cap to track. It also carries a 12 month 0% intro APR on purchases and balance transfers, a shorter runway than dedicated balance-transfer cards but useful if you have a purchase to spread out. The limits are just as plain: there is no signup bonus and no elevated rate on anything, so a card with real 3% or 5% categories will beat it on groceries, gas, or dining. The foreign transaction fee also rules it out for spending abroad.
Earn rates & credits
| Category | Rate |
|---|---|
Everything Else | 2% |
Card details
Regular APR | 18.24%–28.24% variable |
Intro APR on purchases | 0% for 12 months |
Intro APR on balance transfers | 0% for 12 months |
Foreign transaction fee | Yes |
Approval odds
Product changes
Where cardholders came from before landing on this card, and what they moved it to afterwards. Thicker flows carry a larger share of the changes in that direction.
Smartly Visa SignatureBased on 1 reported product change. Percentages are shares of each direction, not of all cardholders, and a small sample can swing a long way.