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Card details · U.S. Bank

U.S. Bank Smartly Visa Signature Credit Card review: fees, rewards and APR

The U.S. Bank Smartly™ Visa Signature® Credit Card is a credit card from U.S. Bank with a $0 annual fee. By our overall score it ranks #176 of the 294 credit cards we rank (store-only cards excluded), and #12 of 16 U.S. Bank cards. It is listed in our cash back and 0% intro APR rankings.

By , personal finance writer and editor · Card data as of October 21, 2026 · How we score cards

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U.S. Bank Smartly Visa Signature Credit Card

Key facts

Issuer
U.S. Bank
Network
Visa
Annual fee
$0
Intro APR
purchases 12 months · balance transfers 12 months
Ongoing APR
18.49%–28.49%
Balance transfer fee
5% of the amount of each transfer or $5 minimum, whichever is greater.
Our overall score
45 (#176 of 294 cards)

Rewards

  • Unlimited 2% cash back on all purchases

Benefits and notes

Up to an additional 2% cash back on your first $10,000 in eligible Net Purchases each billing cycle when paired with a U.S. Bank Smartly® Savings account plus qualifying balances in U.S. Bank Smartly® Checking and/or Safe Debit account(s).

Intro APR and balance transfers

0% introductory APR on purchases and balance transfers for the first 12 billing cycles. After that, a variable APR applies, currently 18.49%-28.49%.

Balance transfer fee: 5% of the amount of each transfer or $5 minimum, whichever is greater.

Ongoing APR: 18.49%–28.49%

Where it ranks

Category positions use the score each category ranking is built on, among the non-store cards tagged with that category in our database; a category page can show fewer cards (for example after filters), so its on-page position can differ slightly.

How we put this page together

Everything on this page comes from our card database (checked against U.S. Bank’s own site) as of October 21, 2026: fees, APRs, rewards and the welcome offer are shown as stored, without our own estimates. The score is our overall card score, explained in our methodology. We don’t publish star ratings or user reviews. Terms apply; confirm current terms with the issuer before applying.

Frequently asked questions

What is the annual fee on the U.S. Bank Smartly Visa Signature Credit Card?

$0, as stored in our database. Confirm the current fee on U.S. Bank’s site.

Does the U.S. Bank Smartly Visa Signature Credit Card have a welcome bonus?

Our database lists no welcome offer for this card right now.

Does the U.S. Bank Smartly Visa Signature Credit Card have a 0% intro APR?

Our database lists: 0% introductory APR on purchases and balance transfers for the first 12 billing cycles. After that, a variable APR applies, currently 18.49%-28.49%. Terms apply.

How does the U.S. Bank Smartly Visa Signature Credit Card rank on YourBestCards?

#176 of 294 cards by our overall score (45). In our category lists: #20 of 70 cash back cards; #42 of 46 0% intro APR cards.

Other top U.S. Bank cards

  1. #1

    U.S. Bank Business Essentials Visa Card

    Score 60
    • Unlimited 2% cash back on all purchases
    • 2.5% total on first $10,000 monthly with qualifying U.S. Bank business checking balances
    • 6% on prepaid hotels and car rentals via Travel Center
    Annual fee
    $0
    Welcome offer
    Earn $500 cash back (50,000 points) after spending $5,000 within 150 days
    Intro APR
    purchases 12 months
    Apply now
  2. #2

    U.S. Bank Business Altitude® Connect Visa Signature® Card

    Score 58
    • 5X points on hotel and car rentals when booked directly in the Travel Center
    • 4X points on travel, including airfare, hotels, gas and EV charging stations on the first $150,000 in combined annual spend
    • 2X points on dining, takeout, restaurant delivery and cell phone services and 1 point for all other purchases.
    Annual fee
    $95
    Welcome offer
    60,000 bonus points after $6,000 spend in first 180 days
    Apply nowFull card details
  3. #3

    U.S. Bank Business Essentials Plus Visa Signature Card

    Score 57
    • Unlimited 2% on all purchases
    • up to 3.5% total on $200,000 annual eligible purchases with qualifying business checking balances ($150,000+)
    • 5% on top eligible category monthly
    Annual fee
    $295
    Welcome offer
    Earn $1,000 cash back. Just spend $15,000 in the first 150 days of opening your account.
    Apply now
  4. #4

    U.S. Bank Altitude® Go Visa Signature® Card

    Score 56
    • 4X points on dining, takeout, food delivery (first $2,000 per quarter)
    • 2X grocery stores, gas stations/EV charging
    • 1X all other purchases
    Annual fee
    $0
    Welcome offer
    Earn 20,000 bonus points after $1,000 spend in first 90 days
    Intro APR
    purchases 15 months · balance transfers 15 months
    Apply nowFull card details
  5. #5

    U.S. Bank Cash+® Visa Signature® Card

    Score 56
    • 5% back on two chosen categories (fast food, utilities, TV and streaming, department stores, cell phone and electronic stores
    • 2% everyday categories like gas stations and EV charging stations, grocery stores or restaurants
    • 1% on all other purchases
    Annual fee
    $0
    Welcome offer
    For a limited time, earn a $200 rewards bonus after you spend $1,000 in eligible purchases within the first 90 days of account opening
    Intro APR
    balance transfers 15 months
    Apply now

Offers, fees and APRs are shown as stored in our database and can change at any time; terms apply. Always confirm current terms on the issuer’s site before applying. Not financial advice. Partner links, where they exist, never change the order. Affiliate disclosure.