THE CARDTUNED DATABASE
U.S. Bank Smartly Visa Signature Card
Issuer: U.S. Bank · Network: Visa
Unlimited 2% base; relationship tiers can raise rate on first $10,000 eligible net purchases each billing cycle to 2.5%, 3% or 4%
- Annual fee
- $0
- Foreign transaction fee
- 3%
- Intro APR
- 0% intro APR on purchases and balance transfers for the first 12 billing cycles; balance transfers must be made within 60 days.
- Regular APR
- 18.24%–28.24% variable APR thereafter.
Full card review date:
This date covers the full card review. Individual terms may have been checked separately afterward; see dates noted in the terms and offer below.
Current offer
No welcome bonus; 0% intro APR on purchases and balance transfers for the first 12 billing cycles.
- Time window
- First 12 billing cycles
Offer last checked: 2026-09-05
Earning rates
Scroll the table horizontally on smaller screens.
| Category | Rate | Eligible purchases and conditions |
|---|---|---|
| Eligible purchases | 2% | Unlimited — base Higher rates require Smartly Savings plus qualifying balances; tiered rate applies only to first $10,000 eligible net purchases each billing cycle. |
| Eligible purchases | 3% | or 4% |
Additional benefits
• Relationship tiers can raise the rate to 2.5%, 3% or 4% on the first $10,000 in eligible net purchases each billing cycle.
• 0% intro APR on purchases and balance transfers for the first 12 billing cycles.
Restrictions to know
Higher rates require a Smartly Savings account and qualifying U.S. Bank balances. The relationship bonus applies only to the first $10,000 in eligible net purchases each billing cycle; some transaction categories are excluded.
Who can apply
Higher reward tiers require qualifying U.S. Bank deposit relationships.
Credit profile: Generally good to excellent credit positioning