The Smartly Visa Signature earns a flat 2% cash back on everything with no annual fee, which makes it an easy, no-thinking default card for everyday spending. It also comes with 12 months of 0% intro APR on both purchases and balance transfers, a useful bonus if you want to float a purchase or move a balance while you earn. The catch is that there are no bonus categories, so heavy spenders on dining, groceries, or gas can do better with a tiered card alongside it. It also charges a foreign transaction fee, so leave it at home when you travel abroad. Once the intro window closes, the regular APR of 18.24% to 28.24% means this works best if you pay in full every month.
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 7 reported product changes. Percentages are shares of each direction, not of all cardholders, and a small sample can swing a long way.