U.S. Bank Smartly™ Visa Signature® Card
U.S. Bank · VISA
The U.S. Bank Smartly™ Visa Signature® Card is a credit card from U.S. Bank on the VISA network. It has an annual fee of $0. It earns 2% on everything else.
Key facts
- Annual fee
- $0
- Purchase APR
- 18.24% - 28.24% variable APR
- Intro APR
- 0% introductory APR for the first 12 billing cycles
- Network
- VISA
Reward rates by category
| Category | Rate | Detail |
|---|---|---|
| Everything else | 2% | 2% on every purchase with no caps |
Benefits and perks
- Unlimited 2% cash back earn on every purchase with no caps
- Up to an additional 2% cash back on your first $10,000 in eligible Net Purchases each billing cycle when paired with a U.S. Bank Smartly® Savings account plus qualifying balances in U.S. Bank Smartly® Checking and/or Safe Debit account(s). Total of 2.5% cash back with a qualifying balance between $10,000 and $49,999 Total of 3% cash back with a qualifying balance between $50,000 and $99,999 Total of 4% cash back with a qualifying balance of $100,000 or more
- $0 Annual Fee Enjoy great benefits with no annual fee plus a 0% intro APR on purchases and balance transfers for the first 12 billing cycles . After that, a variable APR applies.
- Bonus cash back: Earn up to an additional 2% cash back on your first $10,000 in eligible Net Purchases each billing cycle when paired with a U.S. Bank Smartly® Savings account plus qualifying balances in U.S. Bank Smartly® Checking and/or Safe Debit account(s).
- Low Intro APR 0% intro APR on purchases and balance transfers for the first 12 billing cycles . After that, a variable APR applies.
- $0 Annual Fee Enjoy a cash back credit card with no annual fee .
Rates and fees
Annual membership fee: $0. Purchase APR: 18.24% - 28.24% variable APR, based on creditworthiness and the Prime Rate. Introductory purchase APR: 0% introductory APR for the first 12 billing cycles.
Rates and fees as published by the issuer and recorded on 7 Sept 2026. See the issuer's terms for current rates. View the issuer's terms
Questions about the U.S. Bank Smartly™ Visa Signature® Card
What is the annual fee on the U.S. Bank Smartly™ Visa Signature® Card?
The U.S. Bank Smartly™ Visa Signature® Card has an annual fee of $0.
What rewards does the U.S. Bank Smartly™ Visa Signature® Card earn?
The U.S. Bank Smartly™ Visa Signature® Card earns 2% on everything else.
Is the U.S. Bank Smartly™ Visa Signature® Card worth it?
The U.S. Bank Smartly™ Visa Signature® Card is worth it when the rewards you would earn on your own spending exceed its annual fee. Upload a statement to Woodo and the calculation runs against your real categories rather than an assumed budget.
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