U.S. Bank Smartly™ Visa® Signature Card

Name: U.S. Bank Smartly™ Visa® Signature Card
Brand: U.S. Bank

U.S. Bank

Card art is illustrative — not an official product image.

$4801st-year estimate @ $2k/mo spend (not a signup bonus)

2% cash back standard; up to 4% on first $10k/cycle with Smartly deposit tiers

Up to 4% with $100k+ qualifying Smartly balances (first $10k/cycle)

No public SUB. First-year est. at base 2% on $2k/mo = $480. Elevated 4% requires large Smartly balances.

Base 2% × $24,000. With $100k+ Smartly balances, forums cite ~4% on first $10k/cycle—your mileage varies.

Min. requirement: See issuer site
Window: See issuer site
Annual fee: $0
Monthly fee: $0
Availability: All states
Offer expiry: Not published / rolling
Last verified: 2026-11-05
Est. bonus value: None / ongoing

1st-year estimate @ $2k/mo Offer varies by person Community pick

View on issuer site Source write-up Back to all offers

Notes

r/CreditCards loves the US Bank ecosystem for people who already hold balances. New applicants after Smartly/USBAR nerfs say it’s weaker than the early days—but still a strong relationship card. Community pick.

How the net was calculated

First-year estimate $480 assumes $2,000/month eligible spend at the stated base rate, minus membership/annual fees of $0. This is not a signup bonus. See the methodology.

Affiliate link: none yet — linking to the issuer’s public page.