U.S. Bank Smartly™ Visa Signature® Card
U.S. Bank
No Annual Fee
Annual Fee
visaGood → Excellentno-annual-fee4 months ago
Welcome Offer
No Welcome Offer
OpenCard analysis
Is the U.S. Bank Smartly Visa Signature Card right for you?
The U.S. Bank Smartly Visa Signature is a no-annual-fee cash-back card from U.S. Bank. Its strongest everyday earning is 4% on Relationship bonus: $100,000+ qualifying balance, with 2% on most other purchases. With no fee, the question is simply whether 4% on Relationship bonus: $100,000+ qualifying balance beats what your current card earns there.
Who it's for
- ✓ People who spend steadily on Relationship bonus: $100,000+ qualifying balance, where it earns 4%
- ✓ Anyone who wants Relationship bonus: $100,000+ qualifying balance rewards without paying an annual fee
First-year value estimate
Welcome bonus
$0
Rewards on spending
$300
Annual fee (year 1)
−$0
Year 1, before credits
$300
Year two, without the welcome bonus: about $300 before credits ($300 in rewards minus the $0 fee).
Assumptions
- $3,000 a year in Relationship bonus: $100,000+ qualifying balance (4%) and $9,000 on everything else (2%) — $12,000 total, about $1,000 a month.
- Rewards valued at 1¢ per point or 1% cash back (cash-equivalent).
- No welcome bonus is listed in our record, so none is counted.
- No annual fee in any year.
An illustration, not a promise of value. Change the spending to match yours; rewards are not cash until redeemed. Card data reviewed 2026-06-13.
How it compares
Prime Visa →
Chase, same $0 annual fee; earns 5% on Amazon.com, Amazon Fresh, Whole Foods Market.
Amazon Visa →
Chase, same $0 annual fee; earns 3% on Amazon.com, Amazon Fresh, Whole Foods Market.
Blue Cash Everyday →
American Express, same $0 annual fee; earns 3% on gas.
Rules and gotchas
- Bonus cap on Relationship bonus: $10,000-$49,999 qualifying balance: Total 2.5% cash back on first $10,000 in eligible net purchases each billing cycle with Smartly Savings plus qualifying balances.
- Bonus cap on Relationship bonus: $50,000-$99,999 qualifying balance: Total 3% cash back on first $10,000 in eligible net purchases each billing cycle with Smartly Savings plus qualifying balances.
Frequently asked questions
- Does the U.S. Bank Smartly Visa Signature have an annual fee?
- No. Our record lists a $0 annual fee for the U.S. Bank Smartly Visa Signature.
- What does the U.S. Bank Smartly Visa Signature earn?
- 2.5% on Relationship bonus: $10,000-$49,999 qualifying balance, 3% on Relationship bonus: $50,000-$99,999 qualifying balance, 4% on Relationship bonus: $100,000+ qualifying balance, and 2% on other purchases. Some bonus rates are capped; see the rules and gotchas above.
- Is the U.S. Bank Smartly Visa Signature worth it in the first year?
- Using our illustration ($12,000 of yearly spending, $3,000 of it in Relationship bonus: $100,000+ qualifying balance), the first year comes out around $300 before credits, including a welcome bonus valued at $0. Year two drops to about $300 before credits.
- What credit do I need for the U.S. Bank Smartly Visa Signature?
- Our record lists "Good to Excellent" credit as the typical target for the U.S. Bank Smartly Visa Signature. U.S. Bank makes the final decision based on its own criteria.
Earning Rates
2×All eligible purchasesUnlimited 2% cash back when rewards are redeemed into an eligible U.S. Bank deposit account.
2.5×Relationship bonus: $10,000-$49,999 qualifying balanceTotal 2.5% cash back on first $10,000 in eligible net purchases each billing cycle with Smartly Savings plus qualifying balances.
3×Relationship bonus: $50,000-$99,999 qualifying balanceTotal 3% cash back on first $10,000 in eligible net purchases each billing cycle with Smartly Savings plus qualifying balances.
4×Relationship bonus: $100,000+ qualifying balanceTotal 4% cash back on first $10,000 in eligible net purchases each billing cycle with Smartly Savings plus qualifying balances.
Dynamic Reward Rules
Relationship bonus
U.S. Bank Smartly — Requires U.S. Bank Smartly Savings and qualifying balances in eligible U.S. Bank Smartly Checking and/or Safe Debit accounts; enhanced rates apply to first $10,000 in eligible net purchases each billing cycle.
$10,000+ – $49,999
2.5%
+25% bonus
$50,000+ – $99,999
3%
+50% bonus
$100,000+
4%
+100% bonus
Insurance
Sources
Last Updated: Jun 13, 2026