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CardCurator — Rewards Intelligence
Card Comparison

Sun Country Airlines Visa vs U.S. Bank Smartly

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

Sun Country Airlines Visa card art
Sun Country Rewards
Sun Country Airlines Visa
Synchrony Bank
More Info
U.S. Bank Smartly card art
U.S. Bank Cash Rewards
U.S. Bank Smartly
U.S. Bank
More Info
Annual Fee
$89/yr
No annual fee
Foreign Fees
None
3%
Signup Bonus
25,000 points
Spend $1,000 in 9 months
None
Top Earn Rates
  • Sun Country purchases 5x
  • gas station & grocery store purchases 2x
  • All Other Purchases 1x
  • All Purchases 2x
Reward Type
miles
cashback
Key Credits
None
None
Card Perks
  • 50% off first bag
  • 50% off Best and Standard seat selections
None listed
Spend Milestones
  • 10,000-point anniversary bonus When you spend $10,000 in the 12 month period following every account opening anniversary date
    After $10,000 spend
No milestones
Transfer Partners
No transfer partners
Cash back only
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Common Questions: Sun Country Airlines Visa vs U.S. Bank Smartly

Is the Sun Country Airlines Visa or U.S. Bank Smartly better for dining?

Neither card offers a specific dining bonus — both earn their base rate on restaurant purchases.

Which has the higher signup bonus in 2026?

Sun Country Airlines Visa currently offers 25,000 pts signup bonus (spend $1,000 in 9 months). U.S. Bank Smartly offers no current bonus. Sun Country Airlines Visa has the larger bonus.

Which card is better for international travel?

Sun Country Airlines Visa 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 Sun Country Airlines Visa 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. Sun Country Airlines Visa is from Synchrony Bank and U.S. Bank Smartly is from U.S. Bank, so they're governed by separate bank policies.