The Smartly Visa Signature keeps things simple: a flat 2% cash back on everything, with no annual fee and no categories to track. It also opens with 0% intro APR for 12 months on both purchases and balance transfers, which gives you a year of breathing room on a big purchase or an existing balance. That combination makes it a sensible everyday default for anyone who wants solid cash back without managing a card lineup. The catch is the foreign transaction fee, so this is a card to leave at home when you travel abroad. After the intro period the regular APR runs 18.24% to 28.24%, so pay in full once the 12 months are up.
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.