U.S. Bank Smartly Visa Signature Credit Card

U.S. Bank Visa Signature Pending

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16

Benefits

3

Reward Categories

5x

Max Reward

21.2%

APR From
Basic Information
PENDING

Program ID: us-bank-smartly-visa-signature-card

Issuer: U.S. Bank

Card Name: U.S. Bank Smartly Visa Signature Credit Card

Card Type: Credit

Network: Visa

Card Tier: Signature

Approved: Pending

Data Complete: Complete

Created: Jan 15, 2026 16:45

Last Scraped: Jan 15, 2026 16:47

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed) 3 Categories
PENDING
Category Rate Type Description Annual Cap Status
Prepaid Hotels & Car Rentals (Rewards Center) 5x Points Prepaid hotels and car rentals booked directly in the U.S. Bank Rewards Center. No Cap
Top 2 Spending Categories 2x Points Earn 2X points on the two categories you spend the most on each month from the following list: Restaurants, Fast food, Bars & nightclubs, Department stores, Discount stores, Home improvement stores, Utilities, Cell phone providers, Gas stations, Electric vehicle charging stations, Ground transportation, Airlines, Hotels, Car rentals, TV, internet & streaming services, Health clubs & fitness studios. No Cap
All Other Purchases 1x Points All other eligible purchases not falling into the 5X or 2X categories. No Cap
Rewards Summary
PENDING

Reward Type: Cash Back

Base Rate: 0.01x

Bonus Rate: 0.05x

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).

Quarterly Rotating: Yes

Cap Amount: $2,000.00

Expiration Policy: Cash back does not expire as long as the account is open and in good standing.

Point Value: 0.01¢

Travel Portal Multiplier: 1x

Transfer Partners: N/A - This is a cash back card and does not offer point transfers to airline or hotel partners.

Redemption Penalties: No specific penalties; minimum redemption amounts may apply (e.g., $25 for direct deposit).

Benefits & Protections (Detailed) 16 Total
PENDING
Lifestyle 1
Visa Signature Concierge
24/7 assistance

Access to a complimentary 24/7 personal assistant for help with travel planning, restaurant reservations, event tickets, and more.

Purchase Protection 3
Extended Warranty Protection
Varies by item/warranty

Extends the manufacturer's warranty on eligible items purchased with your card.

Purchase Security
Varies by item/claim

Protects eligible purchases against theft or damage for a specified period after the purchase date.

Return Protection
Up to $250 per item, up to $1,000 per year

If you are dissatisfied with an eligible item purchased with your card within 90 days of purchase and the store won't take it back, you may be reimbursed for the purchase price.

Security 2
Zero Fraud Liability
100% protection

You're not responsible for unauthorized purchases made with your card or account information.

ID Theft Protection
Assistance services

Get assistance if your identity is stolen, including help with credit bureau notification and replacing lost or stolen documents.

Shopping 1
Annual Bonus Points
Up to 10,000 bonus points annually

Earn 10% bonus points on your net eligible purchases made during the year.

Travel 2
No Foreign Transaction Fees
0% foreign transaction fee

Avoid extra charges when making purchases outside the U.S.

Visa Signature Luxury Hotel Collection
Exclusive hotel benefits

Access to a curated collection of over 900 hotels worldwide with premium benefits like best available rate guarantee, automatic room upgrade upon arrival (when available), complimentary in-room Wi-Fi, complimentary continental breakfast, $25 food or beverage credit, and late checkout (when available).

Travel Insurance 7
Travel and Emergency Assistance Services
Referral services

Connects you with the help you need when you're away from home. Services include medical and legal referrals, emergency transportation assistance, and more. Cardholders are responsible for the cost of any services received.

Roadside Dispatch
Pay-per-use service

A pay-per-use roadside assistance program. Get help with services like towing, tire changing, jump starting, lockout service, and fuel delivery.

Auto Rental Collision Damage Waiver
Up to the actual cash value of most rental vehicles

Provides secondary coverage for damage due to collision or theft for most rental cars when you decline the rental company's collision damage waiver (CDW) and pay for the rental with your eligible card.

Trip Cancellation/Interruption Insurance
Up to $2,000 per insured person, up to $10,000 per trip

Reimburses you for non-refundable passenger fares if your trip is canceled or interrupted for covered reasons, such as illness or severe weather.

Trip Delay Reimbursement
Up to $300 per ticket

Reimburses you for reasonable additional expenses (like meals and lodging) if your common carrier travel is delayed for more than 6 hours or requires an overnight stay due to a covered hazard.

Lost Luggage Reimbursement
Up to $3,000 per trip

Reimburses you for the actual cost of replacing your checked or carry-on luggage and its contents if lost or stolen due to a common carrier.

Travel Accident Insurance
Up to $500,000

Provides coverage for accidental death or dismemberment while traveling on a common carrier when the entire fare has been charged to your eligible card.

Benefits Summary (Flags)
PENDING

Extended Warranty

Purchase Protection

Cell Phone Protection

Travel Insurance

Primary Rental Protection

Airport Lounge Access

Trip Delay Coverage

Lost Luggage Coverage

Price Protection

Concierge Service

No Foreign Fees

ShopRunner

Sign-Up Bonus
PENDING

$200

Cash Back

Requirement: Spend $1,000 in 90 days

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.

Expires: Mar 31, 2026

Fee Structure
PENDING
Annual Fee: $95.00
Year 1 Waived: No
Effective Annual Fee: $-185.00
Authorized User Fee: $0.00
Penalty APR: 0.30%
Min Interest Charge: $2.00
Additional Fees
PENDING
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 & APR
PENDING
Standard APR

Purchase APR: 21.24% - 29.24%

Balance Transfer APR: 21.24%

Cash Advance APR: 29.99%

Intro APR Offers

Intro Purchase APR: 0% for 15 months

Intro BT APR: 0% for 15 months

Promo Financing: ExtendPay Plan

Promo Duration: 12 months

Approval Criteria & Requirements
PENDING
Credit Score Requirements
720 - 850
Excellent
Supported
Application Process
Available
Available
Experian, TransUnion, or Equifax
Issuer Rules & Policies
PENDING

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.

Max Cards Per Issuer: 4

Min 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.

Cliff Effect Rules: Sign-up bonus eligibility is typically restricted to new cardholders of this specific product and not tied to other U.S. Bank card families beyond the general 2/12 application rule.

International Friendly: Yes

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.8 / 5.0

Top Positive:
Good everyday rewards on chosen categories, no annual fee, solid Visa Signature benefits, easy to manage rewards.

Top Negative:
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: 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

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0