U.S. Bank Smartly Visa Signature Card
A flat-rate cash back card that earns 2% on everything and can boost up to 4% based on the size of your eligible U.S. Bank deposit and investment balances.
Why it ranks
- No annual fee
- Potential 4% flat rate
- No foreign transaction fee
What holds it back
- Top rate requires large U.S. Bank balances
- Base rate is just 2% without balances
- Boost tiers can change
Advertiser disclosure: we may be paid if you apply through our links. Ratings are editorial. Confirm today's terms on the issuer's site — offers change.
A flat-rate cash back card that earns 2% on everything and can boost up to 4% based on the size of your eligible U.S. Bank deposit and investment balances.
U.S. Bank Smartly Visa Signature Card at a glance
| Issuer | U.S. Bank |
| Card network | Visa |
| Annual fee | No annual fee |
| Welcome bonus | Cash back bonus after meeting the minimum spend for new cardholders |
| Rewards rate | 2% cash back on all purchases, boosted up to 4% when you hold qualifying U.S. Bank Smartly Savings and Bank Smartly Checking balances |
| Intro APR | None |
| Regular APR | 19.24%–29.24% variable |
| Foreign transaction fee | None |
| Credit needed | Good to Excellent (700+) |
| Best for | U.S. Bank customers wanting a high flat cash back rate |
| Airport lounge access | No |
Rewards & benefits
- Up to 4% flat on all spend with sufficient balances
- No foreign transaction fee
- Simple, no-category-tracking rewards
Eligibility & who it suits
- Good-to-excellent credit score
- Qualifying U.S. Bank deposit/investment balances for the boost
- Sufficient income to support the line
How to apply
Check current rates on U.S. Bank’s official site →
This opens the issuer’s official application page in a new tab. We may earn a commission if you are approved — it never changes the terms you receive.
Rates, fees, welcome offers and benefits are provided for general information, can change at any time, and may not reflect current terms. Always confirm the latest details on the issuer’s official site before applying. This is not financial advice.
How it ranks against similar USA cards
| Rank | Card | Annual fee | Rewards | Welcome offer | Foreign fee | Who qualifies | Score |
|---|---|---|---|---|---|---|---|
| 1 | UU.S. BankSmartly Visa SignatureNo annual fee · US U.S. Bank Smartly Visa Signature CardU.S. Bank customers wanting a high flat cash back rate |
None | 2% cash back on all purchases, boosted up to 4% when you hold qualifying U.S. Ba… | Cash back bonus after meeting the minimum spend for new card… | None | Good to Excellent (700+) | |
| 2 | CChaseFreedom UnlimitedNo annual fee · US Chase Freedom UnlimitedEveryday spenders who want simple cash back and pair it with Chase points |
None | 5% travel via Chase, 3% dining & drugstores, 1.5% all other purchases | Extra cash back in the first year on bonus spend | 3% | Good (690+) | |
| 3 | AEAmerican ExpressBlue Cash Preferred$95/yr · US Blue Cash Preferred Card from American ExpressFamilies with high grocery and streaming spend |
$95/yr | 6% U.S. supermarkets (up to $6k/yr), 6% select U.S. streaming, 3% transit & U.S.… | Statement-credit welcome offer | 2.7% | Good to Excellent (700+) | |
| 4 | CChaseFreedom FlexNo annual fee · US Chase Freedom FlexPeople who can track and activate rotating 5% categories |
None | 5% rotating quarterly categories (activation required), 5% travel via Chase, 3%… | Cash bonus after the minimum spend | 3% | Good (690+) |
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