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U.S. Bank · credit
Last updated
Welcome offer — Offer varies — typically a cash bonus after a spend threshold Estimated by source
Apply on U.S. Bank's siteOfficial issuer page (not an affiliate link yet) · how we earn
Typically needs good credit (670–739) — guideline, not a guarantee · Set your credit profile
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What this card delivers across six value dimensions (0–100, normalized).
| 2× | Every purchase (up to 4% with large U.S. Bank deposits) Inferred by source |
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No lounge access.
| Smartly Earning Bonus | Base 2% rises to 2.5–4% with $10k–$100k+ in eligible U.S. Bank accounts (boost capped at $10k spend/cycle) Inferred by source |
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Using U.S. Bank Smartly at an ATM is a cash advance, not a normal purchase — it costs a fee, starts charging interest the same day (no grace period), and earns no rewards.
| Cash advance fee | Either $10 or 5% of each cash advance, whichever is greater Inferred by source |
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| Cash advance APR | Around 30.49% variable APR (no grace period) Estimated by source |
| Foreign ATM | Cash advance with no foreign transaction fee — but the ATM operator may add its own surcharge. |
ATM operator surcharges are set by the machine, not the card. To avoid all of this, use a debit card or cash for ATM withdrawals.
*Realized/net assume full use of non-spend-gated credits — an upper bound. Personalize it
The U.S. Bank Smartly™ Visa Signature® Card has no annual fee.
The U.S. Bank Smartly™ Visa Signature® Card earns Redeem for statement credit, deposit to a U.S. Bank account, or gift cards.
No — the U.S. Bank Smartly™ Visa Signature® Card does not include airport lounge access.
No — the U.S. Bank Smartly™ Visa Signature® Card has no foreign transaction fee, so it's a good card to use abroad.
Offer varies — typically a cash bonus after a spend threshold. Welcome offers change frequently — confirm the current one on the issuer's page before applying.