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CardCurator — Rewards Intelligence
Card Comparison

Chase Sapphire Preferred vs U.S. Bank Smartly

Side-by-side comparison of fees, rewards, benefits, and transfer partners.

Chase Sapphire Preferred card art
Chase Ultimate Rewards
Chase Sapphire Preferred
Chase
More Info
U.S. Bank Smartly card art
U.S. Bank Cash Rewards
U.S. Bank Smartly
U.S. Bank
More Info
Annual Fee
$95/yr
No annual fee
Foreign Fees
None
3%
Signup Bonus
75,000 points
Spend $5,000 in 3 months
None
Top Earn Rates
  • Chase Travel 5x
  • Dining 3x
  • Streaming 3x
  • All Purchases 2x
Reward Type
miles
cashback
Pts Value
~1.50¢/pt points · industry est.
~1.00¢/pt points · industry est.
Key Credits
  • hotel stays purchased through Chase Travel. $50
  • DoorDash Credit $10
None
Card Perks
  • DoorDash Dashpass (~$100/yr)
None listed
Transfer Partners
  • Virgin Atlantic Flying Club
  • Aer Lingus AerClub
  • Air Canada Aeroplan
  • British Airways Executive Club
  • Flying Blue
  • +9 more
Cash back only
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Common Questions: Chase Sapphire Preferred vs U.S. Bank Smartly

Is the Chase Sapphire Preferred or U.S. Bank Smartly better for dining?

Chase Sapphire Preferred earns 3x on dining; U.S. Bank Smartly has no dining bonus.

Which has the higher signup bonus in 2026?

Chase Sapphire Preferred currently offers 75,000 pts signup bonus (spend $5,000 in 3 months). U.S. Bank Smartly offers no current bonus. Chase Sapphire Preferred has the larger bonus.

Which card is better for international travel?

Chase Sapphire Preferred charges no foreign transaction fees — the better pick for international use. U.S. Bank Smartly charges 3% on foreign purchases.

Can I hold both the Chase Sapphire Preferred and the U.S. Bank Smartly?

In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. Chase Sapphire Preferred is from Chase and U.S. Bank Smartly is from U.S. Bank, so they're governed by separate bank policies.