U.S. Bank Smartly: Smarter Spending

Earn top rewards no matter your spending habits. This card maximizes rewards where you spend the most, month to month.

CREDIT CARD

U.S. Bank Smartly Visa Signature Credit Card

up to 4% cash back 0% intro APR

SEE HOW TO APPLY You will remain on the current site

The U.S. Bank Smartly Visa Signature Card is designed for everyday spenders who want flexible cash back without the hassle of annual fees. With unlimited 2% cash back when rewards are redeemed into an eligible U.S. Bank account — and the opportunity to earn up to 4% with a Smartly Earning Bonus — this card offers serious value for both casual users and high-balance customers. 

Add in Visa Signature benefits, a 0% intro APR, and easy redemption options, and you get a well-rounded card that adapts to your lifestyle while helping you maximize every dollar spent.

🌟 Key Features and Benefits

• Unlimited 2% cash back on every purchase when rewards are redeemed into an eligible U.S. Bank deposit account.
• 0% intro APR on purchases and balance transfers for the first 12 billing cycles — giving you extra time to pay down large purchases or transferred balances without interest.
• No annual fee: Enjoy all the benefits of the card without worrying about an annual cost eating into your cash back.
• Visa Signature benefits: Get access to premium perks like travel protections, Visa Signature Concierge service, and exclusive experiences that enhance your lifestyle.
• No enrollment or activation needed: Your top spending category is automatically selected each billing cycle, so you always maximize your rewards effortlessly.
• Easy redemption through the U.S. Bank Rewards Center: Redeem your cash back seamlessly for statement credits, deposits into your bank account, gift cards, or travel.

⚙️ How It Works

You automatically earn unlimited 2% cash back on every purchase when you redeem your rewards into an eligible U.S. Bank deposit account.

If you have a U.S. Bank Smartly Savings account and maintain a qualifying balance across your Smartly Checking and/or Safe Debit account(s), you can boost your cash back through the Smartly Earning Bonus:

• With a combined qualifying balance between $10,000 and $49,999, you’ll earn a 25% Smartly Earning Bonus, raising your total cash back to 2.5%.
• With a balance between $50,000 and $99,999, the bonus increases to 50%, giving you a 3% total cash back rate.
• If your combined balance reaches $100,000 or more, you’ll receive a 100% Smartly Earning Bonus, doubling your cash back to a total of 4% on eligible purchases.

The more you save and maintain in your qualifying accounts, the greater your cash back earnings — making everyday spending even more rewarding.

📊 At-a-Glance Comparison Table

💡 Who Should Apply for the Smartly Card?

This card is a perfect fit for:

• U.S. Bank customers seeking seamless banking and rewards integration
• Busy professionals who want effortless rewards
• Families with varied monthly spending
• Anyone who values no annual fee

➡️ Up next, discover expert tips, a full FAQ section, and how to amplify your rewards strategy.