U.S. Bank · personal · visa
U.S. Bank Smartly Visa Signature
A flat 2% with no fee is already top-tier — and parking $100k+ at U.S. Bank turns it into an unmatched 4% on the first $10k each cycle. Without big balances it's simply a very good 2% card; with them, nothing else comes close. Fine print: full value requires redeeming into a U.S. Bank deposit account, and education, insurance, tax and B2B purchases only earn the base 2%.
Current public offer
No current offer on record — verify with the issuer.
Fees & fine print
- Annual fee: $0
- Intro APR: 0% for 12 billing cycles on purchases and balance transfers
- Suggested credit: Good / Excellent
Earning
- Unlimited 2% on everything; +0.5%/1%/2% bonus (up to 4% total) on first $10,000/billing cycle with $10k/$50k/$100k+ in qualifying Smartly deposit balances; full value requires redeeming into a U.S. Bank deposit account (other redemptions may be reduced)
Informational only — not financial advice. Offers change; verify all terms with the issuer before applying.