Smartly Visa Signature

The Smartly Visa Signature is a plain flat-rate card: 2% cash back on everything, no annual fee, no categories to track or activate. That makes it a reasonable default for spending that doesn't trigger a bonus rate on your other cards, and the 12 months of 0% intro APR on both purchases and balance transfers gives it a second use if you have a balance to clear. What it lacks is a signup bonus, so there's no upfront reward to make opening it worthwhile on its own. It also charges foreign transaction fees, which takes it out of the running for travel. Think of it as a quiet base-rate card that fills gaps in a wallet rather than one you build around.