U.S. Bank Smartly™ Visa Signature<sup>®</sup> Card

U.S. Bank Smartly™ Visa Signature® Card

Earn up to 4% cash back
on every purchase1

Unlimited 2% cash back on every purchase.1 Earn up to an additional 2% cash back when paired with a U.S. Bank Smartly® Savings account.1

Apply now
Apply now
When you have a U.S. Bank Smartly® Savings account and average daily combined qualifying balances in U.S. Bank deposit, trust or investment accounts, you can earn even more.1

These cash back rates can be obtained when rewards are redeemed into an eligible U.S. Bank deposit account.2

  • Earn a total of 2.5%

    Includes a 25% Smartly Earning Bonus with a qualifying balance between $5,000 – $49,999.

  • Earn a total of 3%

    Includes a 50% Smartly Earning Bonus with a qualifying balance between $50,000 – $99,999.

  • Earn a total of 4%

    Includes a 100% Smartly Earning Bonus with a qualifying balance of $100,000 or more.

Apply now

Questions? Contact your banker:

Todd Flesch

Email

  • Privacy Cobrowse Your California privacy choices

    You authorize your wireless carrier to use or disclose information about your account and your wireless device, if available, to us or our service provider for the duration of your business relationship, solely to help us identify you or your wireless device and to prevent fraud. See our PRIVACY POLICY for how we treat your data.

    U.S. Bank may change APRs, fees and other account terms in the future based on your experience with U.S. Bank National Association and its affiliates as provided under the Cardmember Agreement and applicable law.

    Net Purchases are Purchases minus credits and returns. Not all transactions are considered to be Purchases and eligible to earn rewards, such as transactions posting as Convenience Checks; Balance Transfers; Advances (including ATM withdrawals, wire transfers, traveler's checks, money orders, foreign cash transactions, betting transactions, and lottery tickets); interest charges and fees; credit insurance premiums; and transactions to (i) fund certain prepaid card products, (ii) buy currency from the U.S. Mint, or (iii) buy cash convertible items. Upon approval, see your Cardmember Agreement for details. Purchases qualify for rewards based on how merchants choose to classify their business and we reserve the right to determine which purchases qualify.

    Account must be open and in good standing (not past due or overlimit) on the closing date of the billing cycle to earn and redeem rewards and benefits. Upon approval, please refer to your Cardmember Agreement or Rewards Program Rules in the online Rewards Center by logging into usbank.com for additional information.

    • Cash back rewards are earned under the U.S. Bank Smartly™ Visa Signature® Card program. These rewards are earned as “Points”, and U.S. Bank will credit your U.S. Bank Smartly™ Visa Signature® Card with 2 Points for every $1 in eligible Net Purchases. You may earn additional Points for a Smartly Earning Bonus if you:

      • Have or open a U.S. Bank Smartly® Savings account with a minimum opening deposit of $25; and

      • Have “Combined Qualifying Balances” with U.S. Bank in open consumer checking account(s), money market savings account(s), savings account(s), CDs and/or IRAs, U.S. Bancorp Investments and personal trust account(s) (business accounts, commercial accounts, and the Trustee only (IFI) client relationship do not qualify).

        The Smartly Earning Bonus tiers are:

        • Between $5,000 - $49,999.99, to earn a total of 2.5 Points per $1 (a base of 2 Points plus the Smartly Earning Bonus of 0.5 Points),

        • Between $50,000 - $99,999.99, to earn a total of 3 Points per $1 (a base of 2 Points plus the Smartly Earning Bonus of 1 Point), or

        • $100,000 or more to earn a total of 4 Points per $1 (a base of 2 Points plus the Smartly Earning Bonus of 2 Points).

        The Combined Qualifying Balance is determined as follows:

        • First, at the end of each month an average Combined Qualifying Balance is calculated. The balance is based on a 90-day average balance of all qualifying accounts and is calculated by adding together the end of day ledger combined balances for every day in the last 90 days and dividing the total by

          • 90 calendar days, or

          • the number of days since opening an initial qualified account.

        • Next, the Smartly Earning Bonus tier that is applied to your U.S. Bank Smartly credit card account is determined by one of two potential calculations:

          • For the initial evaluation after opening your first qualifying account and at the beginning of every calendar month thereafter, we will apply the Smartly Earning Bonus tier based upon the average Combined Qualifying Balance (as described above).

          • In addition, we will review the Combined Qualifying Balances on a daily basis to determine whether you qualify for a higher Smartly Earning Bonus tier based upon the day’s Combined Qualifying Balances.

          If your daily Combined Qualifying Balances qualify you for a tier upgrade, you will be moved to the higher tier (within 5 business days). You will remain in that tier until you qualify for a higher tier based on your daily Combined Qualifying Balances, or the calculated monthly Combined Qualifying Balance qualifies you for a higher or lower tier.

          The Smartly Earning Bonus tier will be applied to your U.S. Bank Smartly credit card account within the first 5 days of each month or upon reaching a higher tier, which means that the bonus tier that will be applied to your account may vary during a billing cycle. The Smartly Earning Bonus is applied as of the Purchase transaction date (which may not be the date the transaction posts to the account).

          For joint accounts: The applicable Smartly Earning Bonus tier will be determined by reviewing the Combined Qualifying Balances in the qualifying accounts of each Cardmember (if there is more than one) and using the total Combined Qualifying Balances of the individual whose accounts have the highest total. (This means that all Cardmembers may be aware of the balance range of the Cardmember with the highest qualifying balance each billing cycle.) Balances of the Authorized User(s) will not qualify for determining the Smartly Earning Bonus tier. Points will expire if there is no reward, purchase, or balance activity on your account for 12 consecutive statement cycles.

    • This card earns cash back rewards in the form of Points. To redeem as Cash Back in the values noted in this advertisement, Points can be redeemed as a deposit into an eligible U.S. Bank deposit account. Other redemptions, such as for statement credits and gift cards, may be at a reduced redemption rate.

    The creditor and issuer of the U.S. Bank Smartly™ Visa Signature® Card is U.S. Bank National Association, pursuant to a license from Visa U.S.A. Inc., and the card is available to United States residents only.

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