Smart Option Visa vs U.S. Bank Business Triple Cash Rewards World Elite Mastercard

Side-by-side comparison of Smart Option Visa and U.S. Bank Business Triple Cash Rewards World Elite Mastercard. Compare rewards, fees, APR, benefits, and transfer partners.

Snapshot

	Smart Option Visa	U.S. Bank Business Triple Cash Rewards World Elite Mastercard
Issuer	First Citizens Bank	U.S. Bank
Network	Visa	Mastercard
Card Material	Plastic	Plastic
Annual Fee	$0.00	$0.00
Base Rate	0.00%	1.00%
Travel Rewards	0.00x	5.00x
Auth. User Fee	$0.00	$0.00
Foreign Txn Fee	3%	3%
Lifecycle	Available	Available

Welcome Offer

Bonus	None	None
Spend Requirement	—	—
Timeline	—	—

Rewards Breakdown

Base Rate	0.0% (base)	1.0% (base)
Prepaid car and hotel reservations via Rewards Center	0.0% (base)	5.0%
Gas Stations	0.0% (base)	3.0%
Restaurants	0.0% (base)	3.0%
Office Supplies	0.0% (base)	3.0%
Telecommunications	0.0% (base)	3.0%
Anniversary Bonus	None	None
Portal Boost	1x	1x

Benefits & Partners

Transfer Partners	None	None
Annual Credits	None	None

Transfer Partners

Pricing Details

Purchase APR	15.24% - 25.24%	18.24% - 27.24%
Cash Advance APR	25.24%	29.99%
Penalty APR	N/A	N/A
Late Fee	$40	$39
Balance Transfer Fee	undefined% (min $0)	undefined% (min $0)

Insurance & Protections

Auto Rental	Secondary	Primary (when renting for business purposes)
Baggage Delay	—	—
Baggage Loss	—	—
Cell Phone Protection	—	—
Extended Warranty	—	—
Purchase Protection	—	—
Return Protection	—	—
Trip Cancellation Interruption	—	—
Trip Delay	—	—
Tsa Precheck Global Entry	—	—

Usability & Experience

Digital Wallet	N/A	N/A
Instant Card Number	—	—
Credit Bureaus	N/A	N/A

Strategy & Eligibility

Recommended Credit	N/A	N/A
Application Rules	Standard	Standard