U.S. Bank
U.S. Bank Smartly™ Visa Signature®
Cash back only
Annual fee
No annual fee
Welcome bonus
None
Min spend
N/A
Recommended credit
Good (670+)
Offer last verified July 7, 2026. How we verify.
Earning rates
2% cash back on every purchase, with no caps or categories to track
Earn up to 4% back on all purchases with a U.S. Bank Bank Smartly Checking relationship: 2.5% at $10,000 in deposit balances, 3% at $50,000, and 4% at $100,000 (boost applies to the first $10,000 in purchases per billing cycle)
0% intro APR on purchases and balance transfers for the first 12 billing cycles
3% foreign transaction fee
Features & benefits
Redeem for statement credit, a deposit to a U.S. Bank account, gift cards, or travel
No annual fee
How does it rank for your spending?
Every card is ranked by what it actually returns on the way you spend. Run your numbers and see where the U.S. Bank Smartly™ Visa Signature® lands.
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