Bank Smartly Visa Signature Credit Card: what it earns

Updated September 24, 2026 · from RightCard's verified card and merchant data

Bank Smartly Visa Signature Credit Card earns a flat 2x points on everything. We value other points programs at 1¢ per point toward travel and 1¢ as cash; the table below shows both readings. No annual fee.

Every category, as published

The everyday rates only. No welcome bonus, no limited-time offers. Where a rotating 5% quarter is live today it is noted in the row.

Category	Earn	≈ value / $1
Restaurants	2x points	2¢ cash · 2¢ travel
Supermarkets	2x points	2¢ cash · 2¢ travel
Gas stations	2x points	2¢ cash · 2¢ travel
Travel	2x points	2¢ cash · 2¢ travel
Online shopping	2x points	2¢ cash · 2¢ travel
Drugstores	2x points	2¢ cash · 2¢ travel
Transit & rideshare	2x points	2¢ cash · 2¢ travel
Streaming	2x points	2¢ cash · 2¢ travel
Everything else	2x points	2¢ cash · 2¢ travel

Travel value uses 1¢ per point for other points programs, a conservative figure. Cash redemptions on most points programs pay 1¢ or less.

Where it beats a flat 2% card

Everywhere. It is a flat-rate card that clears the 2% bar on every purchase.

See it against the rest of your wallet →

How RightCard handles this: add the Bank Smartly Visa Signature Credit Card in the app and it competes with your other cards at every store, with your bank offers and this quarter's rotating bonus folded in. The app is free and private. No bank login. Recommendations are computed on your phone.

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FAQ

What does the Bank Smartly Visa Signature Credit Card earn at supermarkets?

2x points at stores that code as supermarkets. Superstores and warehouse clubs usually do not count.

What does the Bank Smartly Visa Signature Credit Card earn on everything else?

2x points on purchases outside its bonus categories.

Does the Bank Smartly Visa Signature Credit Card have an annual fee?

No annual fee.

How much are Bank Smartly Visa Signature Credit Card points worth?

About 1¢ each toward travel by our conservative estimate for other points programs, and 1¢ or less as cash.

Where these numbers come from: RightCard's data pipeline re-checks each card's published rates weekly and lists a rate only after two independent sources agree. Merchant codes come from our merchant directory. If a card or store is missing here, it is because we could not verify it, not because we guessed.

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