This is a Voyescape podcast. You can find all of our travel podcasts from around the world at

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Welcome to Card Talk, the show where we help you decide if this credit card

card belongs in your collection.

Up to 4% back everywhere.

US Bank's Smartly card.

Today we're going to talk about US Bank's Smartly Visa signature card.

What are the basics, Nick?

All right.

So the basics in this card is that, first of all, it has no annual fee.

It's got a foreign transaction fee.

So if you use your card a lot overseas, then this won't be the one to use for that because it

has a 3% foreign transaction fee. There's no welcome bonus on this card, which is something that

usually would mean we wouldn't probably be talking about it because we often talk about cards

with big welcome bonuses.

But this one is so interesting that even though it doesn't have a welcome bonus, it's still

worth considering.

It's a visa signature card and at a base level, it earns 2% back everywhere.

Now, I know you heard Greg say up to 4% back.

We'll get to how to do that in a second.

But at base level, it's a 2% back card with no annual fee if you just got the card and didn't do anything else. However, like I

just said, you can increase the earnings with a U.S. Bank Smartly Savings account if you maintain

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