U.S. Bank Smartly Visa Signature Card

U.S. Bank Smartly Visa Signature Card Bonus Categories

No annual fee. 4 bonus categories benefits, with what each is worth and the limits that apply.

Annual fee
No fee
Estimated value
$2/yr
Benefits
4

Cash Back on All Purchases

2x points

Earn flat-rate cash back with bonus rates for U.S. Bank customers

Pro Tips

  1. 1Open a U.S. Bank Smartly Savings account and grow your qualifying Checking/Safe Debit balance to reach 2.5%-4%
  2. 2The $10,000 bonus-rate spending cap resets every billing cycle (monthly), not annually
  3. 3Cash back posted to your statement is automatically credited and doesn't expire

Value Analysis

Face Value
$2
Estimated Value
$2

No Annual Fee

Discount

Earn cash back without paying an annual fee

Earn more cash back

Bonus earning

Earn even more cash back when making purchases at over 1,100 online stores through the Rewards Center Earn Mall.

2% on all purchases

2x points

Base 2% back on all purchases; up to 4% with U.S. Bank relationship bonuses

Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published November 13, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.