U.S. Bank Smartly Visa Signature Credit Card
Basic Information
Program ID: us-bank-smartly-visa-signature-card
Issuer: U.S. Bank
Card Type: Credit
Network: Visa
Card Tier: Signature
Data Complete: Yes
Created: 01/15/2026 16:45
Last Scraped: 01/15/2026 16:47
Fee Structure
| Annual Fee: | $95.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $-185.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 30.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | Either $5 or 3% of the amount of each transfer, whichever is greater. |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,124.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 15 months
Balance Transfer APR: 2,124.00%
Intro BT APR: 0.00%
Intro BT Duration: 15 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $200.00
Spending Requirement: $1,000.00
Time Period: 90 days
Bonus Timing: Bonus cash back is typically credited to your account within 2-3 billing cycles after meeting the spending requirement. It may appear sooner, often within 48-72 hours of the statement closing date following the fulfillment of the requirement.
Rewards Program
Reward Type: Cash Back
Base Reward Rate: 0.01%
Bonus Reward Rate: 0.05%
Bonus Categories: User-selected 5% cash back on two categories (from a list including Home Utilities, TV, Internet & Streaming Services, Fast Food, Department Stores, Electronic Stores, Sporting Goods Stores, Movie Theaters, Gyms & Fitness Centers, Public Transportation & Parking, Furniture Stores, Drug Stores, Day Spas & Salons); User-selected 2% cash back on one everyday category (from Gas Stations, Groceries, Restaurants); 1% cash back on all other eligible purchases. (Note: An additional 10% cash back bonus on chosen 5% and 2% categories is available for U.S. Bank Smartly Checking account holders, making them 5.5% and 2.2% respectively).
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Cash back does not expire as long as the account is open and in good standing.
Transfer Partners: N/A - This is a cash back card and does not offer point transfers to airline or hotel partners.
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Concierge Service
Approval Criteria
Recommended FICO Range: 720 - 850
Approval Odds Category: Excellent
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, or Equifax
Issuer Rules
Rules: Bonus Eligibility: Typically for new cardholders who have not had the U.S. Bank Smartly Visa Signature Card in the past 24 months. Application Rule (2/12): Applicants are generally limited to receiving approval for a maximum of 2 new personal U.S. Bank credit cards within any rolling 12-month period. General Eligibility: Requires excellent credit, a valid SSN/ITIN, and U.S. residency. An existing banking relationship with U.S. Bank may positively influence approval odds. Bonus Structure: Earn a sign-up bonus after meeting a specified spending requirement within the initial account opening period.
Maximum Cards Per Issuer: 4
Minimum Spend Interval: 90 days
Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across U.S. Bank and other issuers, excessive credit applications, unusual spending patterns (e.g., large, round-number purchases, gift card reselling), failure to make timely payments, abuse of return policies or chargeback processes.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.8 / 5.0
Top Positive Feedback:
Good everyday rewards on chosen categories, no annual fee, solid Visa Signature benefits, easy to manage rewards.
Top Negative Feedback:
Rewards structure can be less lucrative than rotating category cards for some, U.S. Bank can be particular with approvals, no sign-up bonus (at times).
Approval Experience Score: 70.0 / 100
Recommended Alternatives
- Chase Freedom Unlimited
- Citi Double Cash Card
- Capital One SavorOne Cash Rewards Credit Card
Card Value Score: 75.0 / 100
Est. Annual Rewards: $225.00
User Portfolio Metrics
Avg Portfolio Size: 4 cards
Avg Portfolio Age: 72 months
Store vs Co-brand: 100% General / 0% Store
Risk Assessment
Default Risk Group: Low
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0