U.S. Bank

U.S. Bank Smartly™ Visa Signature®

A no-annual-fee cash back card from U.S. Bank.

Cash back only

Annual fee

No annual fee

Welcome bonus

None

Min spend

N/A

Recommended credit

Good (670+)

Network

Visa

Apply on U.S. Bank site 7.1/10Our rating · review ›

Rates, fees, and full terms are set by U.S. Bank and can change. See current rates & fees on the issuer’s site, and always confirm the latest terms before applying.

Before you apply: U.S. Bank application and welcome-bonus rules →

Offer last verified July 24, 2026. How we verify.

Is this card right for you?

✓ Best for

people who want a simple, flat rate on every purchase with nothing to track.

⚠ Think twice if

you would rather chase elevated bonus categories than earn one flat rate.

Earning rates

2% cash back on every purchase, with no caps or categories to track

Earn up to 4% back on all purchases with a U.S. Bank Bank Smartly Checking relationship: 2.5% at $10,000 in deposit balances, 3% at $50,000, and 4% at $100,000 (boost applies to the first $10,000 in purchases per billing cycle)

0% intro APR on purchases and balance transfers for the first 12 billing cycles

3% foreign transaction fee

Best ways to earn & redeem

Use it as a flat-rate everyday card, since it earns the same on every purchase, and pair it with bonus-category cards for groceries, dining, and travel.

When you cash in, take the rewards as cash back or a statement credit, worth a flat 1 cent each. We value every point at a flat 1 cent, so treat any transfer upside as a bonus rather than the baseline — see what your points are really worth.