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: June 2026.
Bilt Blue Card vs U.S. Bank Smartly Visa Signature Card (2026)
Home / Compare / Bilt Blue Card vs U.S. Bank Smartly Visa Signature Card Bilt Blue Card vs U.S. Bank Smartly Visa Signature Card Both cards cost $0/yr. The Bilt Blue Card is better for rent and dining, while the U.S. Bank Smartly Visa Signature Card wins on everyday spending. Here's how they compare.
Earn Rates Category Bilt Blue Card U.S. Bank Smartly Visa Signature Card Dining 3X 1X Lyft 3X 1X Mortgage 1.25X 1X Rent 1.25X 1X Everything Else 1X 1X
Pros & Cons Pros
+ No annual fee+ Earn up to 1.25X points on rent and mortgage with no transaction fees+ 4% Bilt Cash on all non-housing spend (stackable with 1X points)+ $100 Bilt Cash welcome bonus with no spending requirement+ Transferable points to 23 airline and hotel partners (valued at 2.2 cents each by TPG)+ 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 trackingCons
− Only 1X points on non-housing purchases (below average for flat-rate cards)Category-by-Category Winner The Bilt Blue Card wins in 4 of 4 categories. The U.S. Bank Smartly Visa Signature Card leads in 0.
W Lyft
Bilt Blue Card earns 3X vs 1X
W Dining
Bilt Blue Card earns 3X vs 1X
W Rent
Bilt Blue Card earns 1.25X vs 1X
W Mortgage
Bilt Blue Card earns 1.25X vs 1X
Which Card Is Right for You? Get the Bilt Blue Card if you:
+ Spend $300+/month on restaurants and dining outFrequently Asked Questions
Which card earns more rewards, the Bilt Blue Card or U.S. Bank Smartly Visa Signature Card? The Bilt Blue Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.
Should I get the Bilt Blue 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. 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: June 2026.
Home / Compare / Bilt Blue Card vs U.S. Bank Smartly Visa Signature Card Bilt Blue Card vs U.S. Bank Smartly Visa Signature Card Both cards cost $0/yr. The Bilt Blue Card is better for rent and dining, while the U.S. Bank Smartly Visa Signature Card wins on everyday spending. Here's how they compare.
Earn Rates Category Bilt Blue Card U.S. Bank Smartly Visa Signature Card Dining 3X 1X Lyft 3X 1X Mortgage 1.25X 1X Rent 1.25X 1X Everything Else 1X 1X
Pros & Cons Pros
+ No annual fee+ Earn up to 1.25X points on rent and mortgage with no transaction fees+ 4% Bilt Cash on all non-housing spend (stackable with 1X points)+ $100 Bilt Cash welcome bonus with no spending requirement+ Transferable points to 23 airline and hotel partners (valued at 2.2 cents each by TPG)+ 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 trackingCons
− Only 1X points on non-housing purchases (below average for flat-rate cards)Category-by-Category Winner The Bilt Blue Card wins in 4 of 4 categories. The U.S. Bank Smartly Visa Signature Card leads in 0.
W Lyft
Bilt Blue Card earns 3X vs 1X
W Dining
Bilt Blue Card earns 3X vs 1X
W Rent
Bilt Blue Card earns 1.25X vs 1X
W Mortgage
Bilt Blue Card earns 1.25X vs 1X
Which Card Is Right for You? Get the Bilt Blue Card if you:
+ Spend $300+/month on restaurants and dining outFrequently Asked Questions
Which card earns more rewards, the Bilt Blue Card or U.S. Bank Smartly Visa Signature Card? The Bilt Blue Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.
Should I get the Bilt Blue 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. 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: June 2026.
Home / Compare / Bilt Blue Card vs U.S. Bank Smartly Visa Signature Card Bilt Blue Card vs U.S. Bank Smartly Visa Signature Card Both cards cost $0/yr. The Bilt Blue Card is better for rent and dining, while the U.S. Bank Smartly Visa Signature Card wins on everyday spending. Here's how they compare.
Earn Rates Category Bilt Blue Card U.S. Bank Smartly Visa Signature Card Dining 3X 1X Lyft 3X 1X Mortgage 1.25X 1X Rent 1.25X 1X Everything Else 1X 1X
Pros & Cons Pros
+ No annual fee+ Earn up to 1.25X points on rent and mortgage with no transaction fees+ 4% Bilt Cash on all non-housing spend (stackable with 1X points)+ $100 Bilt Cash welcome bonus with no spending requirement+ Transferable points to 23 airline and hotel partners (valued at 2.2 cents each by TPG)+ 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 trackingCons
− Only 1X points on non-housing purchases (below average for flat-rate cards)Category-by-Category Winner The Bilt Blue Card wins in 4 of 4 categories. The U.S. Bank Smartly Visa Signature Card leads in 0.
W Lyft
Bilt Blue Card earns 3X vs 1X
W Dining
Bilt Blue Card earns 3X vs 1X
W Rent
Bilt Blue Card earns 1.25X vs 1X
W Mortgage
Bilt Blue Card earns 1.25X vs 1X
Which Card Is Right for You? Get the Bilt Blue Card if you:
+ Spend $300+/month on restaurants and dining outFrequently Asked Questions
Which card earns more rewards, the Bilt Blue Card or U.S. Bank Smartly Visa Signature Card? The Bilt Blue Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.
Should I get the Bilt Blue 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. 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: June 2026.
− Unlocking housing points requires regular non-housing spend or Bilt Cash redemptions
− Most Bilt Cash expires at year-end (only $100 rolls over)
− No bonus categories like dining or travel (those are Obsidian features)
− Fewer card-specific protections than Obsidian or Palladium− 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− $50,000 annual cap on bonus earning rates, then drops to 1%− 3% foreign transaction fee limits international utility− Must maintain multiple U.S. Bank accounts to maximize value
− Unlocking housing points requires regular non-housing spend or Bilt Cash redemptions
− Most Bilt Cash expires at year-end (only $100 rolls over)
− No bonus categories like dining or travel (those are Obsidian features)
− Fewer card-specific protections than Obsidian or Palladium− 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− $50,000 annual cap on bonus earning rates, then drops to 1%− 3% foreign transaction fee limits international utility− Must maintain multiple U.S. Bank accounts to maximize value
− Unlocking housing points requires regular non-housing spend or Bilt Cash redemptions
− Most Bilt Cash expires at year-end (only $100 rolls over)
− No bonus categories like dining or travel (those are Obsidian features)
− Fewer card-specific protections than Obsidian or Palladium− 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− $50,000 annual cap on bonus earning rates, then drops to 1%− 3% foreign transaction fee limits international utility− Must maintain multiple U.S. Bank accounts to maximize value
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