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U.S. Bank Smartly Visa Signature Card card art
U.S. Bank National Association

U.S. Bank Smartly Visa Signature Card

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Annual fee $0 Fact
Foreign transaction fee None
Rewards currency cash back
Cash back value 1.00¢ Fact
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Last updated Sep 29, 2026

Checked Sep 29, 2026

How you earn
CategoryRateCurrencyCap
Everything else 2% cash back No cap
Conditional earning rates
RateWhen it applies
2.5% Earn a total of 2.5% cash back (includes a 25% Smartly Earning Bonus) on your first $10,000 in eligible Net Purchases each billing cycle when you have a U.S. Bank Smartly Savings account and a qualifying balance between $10,000 and $49,999 in Smartly Checking and/or Safe Debit account(s).
3% Earn a total of 3% cash back (includes a 50% Smartly Earning Bonus) on your first $10,000 in eligible Net Purchases each billing cycle when you have a U.S. Bank Smartly Savings account and a qualifying balance between $50,000 and $99,999 in Smartly Checking and/or Safe Debit account(s).
4% Earn a total of 4% cash back (includes a 100% Smartly Earning Bonus) on your first $10,000 in eligible Net Purchases each billing cycle when you have a U.S. Bank Smartly Savings account and a qualifying balance of $100,000 or more in Smartly Checking and/or Safe Debit account(s).
Benefits & protections
Card facts
Other Perks 1

Receive a new cardmember $0 fee offer on U.S. Bank ExtendPay Plans opened in the first 60 days after account opening.

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