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U.S. Bank Smartly™ Visa Signature® Card
U.S. Bank Smartly™ Visa Signature® Card Review
Our editors rate credit cards objectively based on the features the credit card offers consumers, the fees and interest rates, and how a credit card compares with other cards in its category. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site receives from card issuers.
While this site receives compensation from companies listed here, this does not influence our ratings or reviews. Learn more here.
U.S. Bank Smartly™ Visa Signature® Card
SIGN-UP BONUS
N/A
REWARDS RATE
Earn unlimited 2% cash back on every purchase
Rewards Rate
Earn unlimited 2% cash back on every purchase
Additional Cash Back
Up to additional 2% cash back on your first $10,000 in eligible Net Purchases each billing cycle when paired with U.S. Bank Smartly® Savings account plus qualifying balances in U.S. Bank Smartly® Checking and/or Safe Debit account.
Annual Fee
$0
Annual Fee
$0
Card Brand
Visa®
Recommended Credit Score
Good / ExcellentHighlights
- Click APPLY NOW to apply online.
- Earn unlimited 2% cash back on every purchase
- Up to additional 2% cash back on your first $10,000 in eligible Net Purchases each billing cycle when paired with U.S. Bank Smartly® Savings account plus qualifying balances in U.S. Bank Smartly® Checking and/or Safe Debit account.
- No Annual Fee
- 0% introductory APR on purchases and balance transfers for the first 12 billing cycles. After that, a variable APR applies, currently 17.99%-28.24%.
- Get your cash back directly deposited into your U.S. Bank checking or savings accounts, as a statement credit, a rewards card, merchant gift cards and more.
- Terms and conditions apply.
- Rates & Fees
Additional Info
Foreign Transaction Fee
3% of each foreign transaction
Balance Transfer Fee
Either 5% of the amount of each advance or $5 minimum, whichever is greater
Expert Review
Editor's Overall Rating
Our editors rate credit cards objectively based on the features the credit card offers consumers, the fees and interest rates, and how a credit card compares with other cards in its category. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site receives from card issuers.
From the LendingTree editorial team, updated on Nov 13, 2025
The Good
The Not So Good
The Bottom Line
Editorial Note: This content is not provided by U.S. Bank. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by U.S. Bank.
Related Card Offers
Apply Now
on Bank of America's secure site
Intro APR
0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 17.74% - 27.74% Variable APR will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%. Balance transfers may not be used to pay any account provided by Bank of America.
Sign-Up Bonus
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
Rewards Rate
6% cash back for the first year in the category of your choice, 2% cash back at grocery stores and wholesale clubs, and unlimited 1% cash back on all other purchases. After the first year from account opening, you’ll earn 3% cash back on purchases in your choice category. Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.
See Our Review
Apply Now
on Citibank's secure site
Rewards Rate
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.
Intro Balance Transfer APR
0% intro APR for 18 months on Balance Transfers
Regular Purchase & BT APR
17.74% - 27.74% (Variable)
See Our Review
Apply Now
on Discover's secure site
0% Intro APR
0% Intro APR for 15 months on purchases and balance transfers, then 17.74% - 26.74% Variable APR
Rewards Rate
5% cash back at different places each quarter up to the quarterly maximum when you activate. 1% unlimited cash back on all other purchases - automatically
Welcome Offer
Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
See Our Review
Methodology
Our editors take a comprehensive, data-driven approach to identify the best credit cards in various categories. We use an objective rating and ranking system that evaluates over 100 credit cards from more than 50 issuers. While this site receives compensation from companies listed here, this does not influence our ratings or reviews. Learn more here.