U.S. Bank Smartly™ Visa Signature® Card

U.S. Bank Smartly™ Visa Signature® Card

ⓘ $0 1st Yr Value EstimateClick to learn about first year value estimates

None Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler

Currently no welcome offer
No Annual Fee

Click here to learn how to apply

This is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler

Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

FM Mini Review: US Bank changed this card on 4/14/25 which removed much of its value proposition. You're now capped on 4% total earnings each billing cycle and eligible accounts for your $10,000+ qualifying balances earn a low rate of interest.

Earning rate: Up to an additional 2% cash back on your first $10,000 in eligible Net Purchases each billing cycle when paired with a U.S. Bank Smartly Savings account plus qualifying balances in a U.S. Bank Smartly Checking and/or Safe Debit account.

Base: 2%

Card Info: Visa Signature issued by USB. This card imposes foreign transaction fees.

Noteworthy perks: Earn better cashback rates when you hold a balance in an eligible US Bank account: $10,000-$49,999 = 2.5% total cashback; $50,000-$99,999 = 3% bonus cashback; $100,000+ = 4% cashback

Application Tips

US Bank Application Tips Get Same Card Again: Depends on the product. For example, with the Altitude Reserve card you cannot get the bonus again. The terms state "The bonus is not available to Cardmembers who currently have, or had, a U.S. Bank Altitude Reserve Visa Infinite account." Hard inquiries may be combined into 1 when approved same day. Call (800) 947-1444 to check your application status. If denied, call reconsideration here: 800-947-1444 or 800-685-7680

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