The U.S. Bank Smartly Visa Signature Credit Card

This isn't just another credit card; it's the cornerstone of a more rewarding financial ecosystem. 

CREDIT CARD

U.S. Bank Smartly Visa Signature Credit Card

up to 4% cash back No annual fee

SEE HOW TO APPLY You will remain on the current site

The U.S. Bank Smartly Visa Signature Card is designed for savvy shoppers across the USA, whether you’re new to the country or a long-time resident, who want to make their money work harder. Its straightforward base rewards are great, but the real magic happens when you tap into its relationship bonuses.

Unlock Up to 4% Cash Back: A Deep Dive into the U.S. Bank Smartly Visa Signature Card

Pros: Why the Smartly Card is a Game-Changer

The U.S. Bank Smartly Visa Signature Card offers a compelling way to maximize your cash back:

• Excellent Unlimited Base Cash Back: You start strong by earning a flat 2% cash back on all your eligible purchases, with no limit to how much you can earn. 
• Supercharge Your Savings with Relationship Bonuses (Up to 4% Total!): This is where the Smartly card truly shines! If you have qualifying balances in eligible U.S. Bank checking, savings, or Safe Debit accounts, you can boost your earnings significantly.
• No Annual Fee: That’s right, $0 annual fee! This means all the incredible cash back you earn is pure savings.
• Valuable Visa Signature Perks: As a Visa Signature card, it often includes a suite of extra benefits like Purchase Security, Extended Warranty coverage, Cell Phone Protection, and travel and emergency assistance services, adding extra value and peace of mind.
• Intro APR Offer: U.S. Bank offers a 0% introductory APR on purchases and balance transfers for the first 12 billing cycles. 

Cons: What to Keep in Mind

While the rewards are potentially huge, here are a few things to consider:

• Relationship Bonuses Require U.S. Bank Balances: To get those amazing 2.5% to 4% rates, you need to maintain those qualifying balances in specific U.S. Bank accounts. 
• Cap on the Bonus Portion of Cashback: Remember, the extra percentage you get from the relationship bonus applies to your first $10,000 in purchases each billing cycle.

Who is the Smartly Card For?

This card is a fantastic choice if you’re in the U.S. and use your credit card for most of your daily purchases and want to be rewarded generously for it. It’s especially powerful if you already bank with U.S. Bank and can meet the balance requirements to unlock those higher-tier relationship bonuses. 

If you’re looking for a straightforward way to get exceptional rewards for your everyday financial habits and appreciate a card that can put serious money back in your pocket without an annual fee, the U.S. Bank Smartly Visa Signature Card is definitely one to look into.

Ready to get smart about your cash back and see if you qualify for up to 4%? You can find all the latest details and apply directly on the next page.