Smartly vs Xbox
Smartly
$0/yr
7.0/10
VS
Xbox
$0/yr
7.0/10
Quick Answer
Smartly charges no annual fee with 1X base rewards. Xbox charges no annual fee with 1X base rewards. Smartly offers a slight edge depending on your spending when comparing fees, rewards, and benefits side by side.
Apply for Smartly →
PointsPick may earn a commission. Disclosure
Apply for Xbox →
PointsPick may earn a commission. Disclosure
Winner by Category
Annual Fees
Smartly
Lower annual fee ($0 vs $0)
Rewards Earning
Xbox
3 earning categories
Benefits & Protection
Smartly
0 benefits vs 0
Flexibility
Tie
Both cards have similar redemption flexibility
PREMIUM PICK
Xbox is a strong alternative
Competitive features make it worth considering.
Apply for XboxRewards Earning: Detailed Comparison
Smartly
| Everything (with US Bank Smart Rewards account) | 3.0X |
| Everything (without qualifying account) | 2.0X |
Xbox
| Xbox purchases | 5.0X |
| Dining, grocery, entertainment | 3.0X |
| Everything else | 1.0X |