U.S. Bank Smartly™ Visa Signature® Card

The advertised credit profile is general guidance, not a score cutoff or an approval prediction. U.S. Bank makes every lending decision.

Annual fee and first-year pricing

Enjoy a cash back credit card with no annual fee .

Introductory APR and duration

The 0% introductory APR applies to purchases and is valid for the first 12 billing cycles. The 0% introductory APR applies to balance transfers made within 60 days of account opening and is valid for the first 12 billing cycles. The introductory rate does not apply to cash advances. Balance Transfer fee of 5% of each transfer amount, $5 minimum will apply. When you make a payment, the amount up to your Minimum Payment is applied first to the monthly payment obligation for U.S. Bank ExtendPay® Plans and U.S. Bank ExtendPay® Loans if any, and then to non-Fixed Payment Program balances in the order of the lowest to highest APR. Any amount over your Minimum Payment is applied to balances in the order of highest to lowest APR.

Balance transfers and fees

The 0% introductory APR applies to purchases and is valid for the first 12 billing cycles. The 0% introductory APR applies to balance transfers made within 60 days of account opening and is valid for the first 12 billing cycles. The introductory rate does not apply to cash advances. Balance Transfer fee of 5% of each transfer amount, $5 minimum will apply. When you make a payment, the amount up to your Minimum Payment is applied first to the monthly payment obligation for U.S. Bank ExtendPay® Plans and U.S. Bank ExtendPay® Loans if any, and then to non-Fixed Payment Program balances in the order of the lowest to highest APR. Any amount over your Minimum Payment is applied to balances in the order of highest to lowest APR.

Cash advances and fees

The 0% introductory APR applies to purchases and is valid for the first 12 billing cycles. The 0% introductory APR applies to balance transfers made within 60 days of account opening and is valid for the first 12 billing cycles. The introductory rate does not apply to cash advances. Balance Transfer fee of 5% of each transfer amount, $5 minimum will apply. When you make a payment, the amount up to your Minimum Payment is applied first to the monthly payment obligation for U.S. Bank ExtendPay® Plans and U.S. Bank ExtendPay® Loans if any, and then to non-Fixed Payment Program balances in the order of the lowest to highest APR. Any amount over your Minimum Payment is applied to balances in the order of highest to lowest APR.

Redemption options and restrictions

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. The Smartly Earning Bonus tier that is applied to your U.S. Bank Smartly credit card account is determined based upon the Qualifying Balance (as described above). If your daily Qualifying Balance qualifies you for a tier upgrade or downgrade, you will be moved to the higher or lower tier (within 5 business days). This means that the bonus tier that will be applied to your account may vary during a Card billing cycle. The Smartly Earning Bonus is applied based on the Purchase transaction date using the effective tier value determined as of the date the transaction posts. For joint Card accounts: The applicable Smartly Earning Bonus tier will be determined by reviewing the Qualifying Balance in the qualifying account(s) of each Cardmember (if there is more than one) and using the total Qualifying Balance of the individual whose account(s) have the highest total. (This means that all Cardmembers may be aware of the balance range of the Cardmember with the highest qualifying balance.) Balances of the Authorized User(s) will not qualify for determining the Smartly Earning Bonus tier. 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 or statement credit. Other redemptions, such as gift cards and travel, may be at a reduced redemption rate. Points will expire if there is no reward, Purchase, or balance activity on your Card account for 12 consecutive statement cycles. If you make a Purchase return or otherwise receive credit on a Purchase transaction, Points will be deducted from your Points balance based on the Smartly Earning Bonus tier that applies to your card account when you make the return or receive the credit.

Other conditions

Earn unlimited 2% cash back on every purchase. Total of 2.5% cash back with a qualifying balance between $10,000 and $49,999 Total of 3% cash back with a qualifying balance between $50,000 and $99,999 Total of 4% cash back with a qualifying balance of $100,000 or more

Recorded from U.S. Bank’s public information. Rates and fees change, so the issuer’s current disclosures are authoritative.