Credit card

U.S. Bank Smartly™ Visa Signature® Card

Cash back

VISA

Apply for U.S. Bank Smartly™ Visa Signature® Card

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Card review

U.S. Bank Smartly™ Visa Signature® Card

4.6 9.2/10 DebitCue Score Verified Jun 20, 2026

Earn up to 4% cash back on everything — for U.S. Bank loyalists

Fee: No fee
Purchase APR: 17.74% - 27.99%
Interest-free: -
Foreign fee: 3%

Rewards

Unlimited 2% cash back on every purchase. Earn up to 4% total when you maintain qualifying U.S. Bank deposit account balances: 2.5% at $10k–$49,999; 3% at $50k–$99,999; 4% at $100k+. Bonus rates apply to first $10,000 in eligible net purchases per billing cycle.

Welcome offer

No traditional sign-up bonus; $0 fee offer on ExtendPay Plans opened in the first 60 days

Our verdict

What stands out, and where it falls short.

What we like

Unlimited 2% cash back on every purchase. Earn up…
Welcome bonus
No card fee
Pay in installments

Worth weighing

3% foreign transaction fee

Who It Is For

Whether the U.S. Bank Smartly™ Visa Signature® Card fits how you actually spend.

Pick it if you are

Anyone who wants a low-cost everyday card
People who want rewards on their spending
People who pay big purchases off over time

Skip it if you are

Frequent international travelers

Rates and fees

As of June 20, 2026

All amounts shown in USD.

Card fee: No fee
Purchase APR: 17.74% - 27.99%
Interest-free period: -
Foreign transaction fee: 3%
Intro APR: 0% on purchases and balance transfers for 12 billing cycles
Regular APR: 17.74%–27.99% variable
Foreign Transaction Fee: 3%

Rewards and features

Rewards: Unlimited 2% cash back on every purchase. Earn up to 4% total when you maintain qualifying U.S. Bank deposit account balances: 2.5% at $10k–$49,999; 3% at $50k–$99,999; 4% at $100k+. Bonus rates apply to first $10,000 in eligible net purchases per billing cycle.
Welcome offer: No traditional sign-up bonus; $0 fee offer on ExtendPay Plans opened in the first 60 days
Installments: U.S. Bank ExtendPay® Plans available — split eligible purchases into fixed monthly payments with no interest (small monthly fee applies after 60-day intro offer)
Pay with: Apple Pay, Google Pay, Contactless, Virtual card
Bonus earning cap: Enhanced rates (above 2%) apply only to first $10,000 in eligible purchases per billing cycle

Benefits and perks

Extras that come bundled with the card.

Multiple redemption options

Redeem as statement credit, direct deposit to U.S. Bank account, or merchant gift cards
ExtendPay installment plans

$0 fee offer on ExtendPay Plans opened within first 60 days of account opening

Eligibility

What you need before you apply.

Best for: Existing U.S. Bank customers with $10,000+ in qualifying deposit account balances

U.S. Bank Smartly™ Visa Signature® Card: your questions answered

Does the U.S. Bank Smartly™ Visa Signature® Card have a card fee?

No - the U.S. Bank Smartly™ Visa Signature® Card has no card fee.

What rewards does the U.S. Bank Smartly™ Visa Signature® Card earn?

The U.S. Bank Smartly™ Visa Signature® Card earns Unlimited 2% cash back on every purchase. Earn up to 4% total when you maintain qualifying U.S. Bank deposit account balances: 2.5% at $10k–$49,999; 3% at $50k–$99,999; 4% at $100k+. Bonus rates apply to first $10,000 in eligible net purchases per billing cycle..

Does the U.S. Bank Smartly™ Visa Signature® Card charge foreign transaction fees?

Yes - the U.S. Bank Smartly™ Visa Signature® Card charges a 3% foreign transaction fee.

What is the interest rate on the U.S. Bank Smartly™ Visa Signature® Card?

The U.S. Bank Smartly™ Visa Signature® Card has a purchase APR of 17.74% - 27.99%.

Does the U.S. Bank Smartly™ Visa Signature® Card have a welcome offer?

Yes - No traditional sign-up bonus; $0 fee offer on ExtendPay Plans opened in the first 60 days.

Can I pay in installments with the U.S. Bank Smartly™ Visa Signature® Card?

Yes - U.S. Bank ExtendPay® Plans available — split eligible purchases into fixed monthly payments with no interest (small monthly fee applies after 60-day intro offer).

Is the U.S. Bank Smartly™ Visa Signature® Card a credit, debit or prepaid card?

The U.S. Bank Smartly™ Visa Signature® Card is a credit card issued by U.S. Bank on the Visa network.

Does the U.S. Bank Smartly™ Visa Signature® Card support Apple Pay and Google Pay?

Yes - the U.S. Bank Smartly™ Visa Signature® Card works with both Apple Pay and Google Pay.

Where can I get the U.S. Bank Smartly™ Visa Signature® Card?

The U.S. Bank Smartly™ Visa Signature® Card is currently offered in United States.

How does DebitCue rate the U.S. Bank Smartly™ Visa Signature® Card?

DebitCue rates the U.S. Bank Smartly™ Visa Signature® Card 4.6 out of 5 (9.2/10), scored on the same factors as every card - fees, rewards, perks and ease of use.