U.S. Bank Smartly™ Visa Signature® Card

Earn up to 4% cash back on every purchase1

 

Get a decision in as little as 60 seconds.

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Mobile Carrier Terms.3

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Premium Metal Card

U.S. Bank Smartly™ Visa Signature® Card

Earn up to 4% cash back on every purchase1

 

Unlimited 2% cash back 
on every purchase.1

Up to an additional 2% cash back 
when paired with a U.S. Bank Smartly® Savings account.1

Learn more

$0 Annual Fee 
Enjoy all the benefits with no annual fee plus a 
0% intro APR* on purchases and balance transfers† for the first 12 billing cycles. 
After that, a variable APR applies, currently $

Earn more as you save more 
Unlock higher rates and benefits when you pair your card with a U.S. Bank Smartly® Savings account.

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See how fast your rewards add up.

Enter your estimated monthly spend below and your potential rewards will be calculated automatically.

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In general, our credit card products are for customers with a credit score in the good to excellent range. We also offer several secured credit card products which are designed for people looking to build or rebuild their credit with responsible use.

Combined qualifying balances with U.S. Bank in open consumer checking account(s), money market savings account(s), savings account(s), CDs and/or IRAs, U.S. Bancorp Investments and personal trust account(s) are eligible for the Smartly Earning Bonus. Note: Balances in business accounts, commercial accounts, and the Trustee only (IFI) client relationship do not qualify.

Combined Balances are based on the average daily balance of the previous 3 months (calculated monthly) (or, for account(s) open less than 3 months, the average daily balance of the applicable time frame).  The applicable Smartly Earning Bonus will be determined by reviewing the Combined Balances in the qualifying accounts of each Cardmember (if there is more than one) and using the total Combined Balances of the individual whose accounts have the highest total

If a U.S. Bank Smartly Card account has an Authorized User(s), the U.S. Bank balances of the Authorized User(s) will not be reviewed and will not qualify for determining the Smartly Earning Bonus.  The Smartly Earning Bonus that will be applied to your Account is determined within the first 5 days of each month, which means that the bonus applied to your Account may vary during a billing cycle.

See disclosure #1 below for more information on how we calculate combined qualifying balances.

A Bank Smartly Savings account is a relationship savings account with competitive rates that grow as your balances grow.

The monthly maintenance fee is $5 and is waived if an account owner is the owner of a qualifying product (Bank Smartly Checking account, Safe Debit account, or Bank Smartly Visa Card), or if one of the account owners is a minor (age 17 or younger).

The minimum balance for opening a Bank Smartly® Savings account is $25.

U.S. Bank ExtendPay® Plans provide a payment option that allows you to divide eligible credit card purchases into affordable monthly payments with no interest* – just a fixed monthly fee.

If your credit card account is eligible for a U.S. Bank ExtendPay® Plan, you’ll receive a notification via email, or you’ll see ExtendPay Plan options when viewing your card account details or eligible transactions online. The only purchases eligible for an ExtendPay Plan are those that were made within 60 days prior to signing up for ExtendPay, are over $100, and are less than your purchase balance when you sign up for ExtendPay.

ExtendPay Plan eligibility may change based on your credit card account activity.

Looking for a credit card with different benefits?

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Use our comparison tool to compare benefits like rewards, APR and welcome offers for up to three cards.
 

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Disclosures

U.S. Bank may change APRs, fees and other account terms in the future based on your experience with U.S. Bank National Association and its affiliates as provided under the Cardmember Agreement and applicable law.

† Balance Transfers transactions from other U.S. Bank National Association accounts are not permitted. You may cancel a balance transfer request within 10 days of account opening by calling 800-285-8585.

Net Purchases are Purchases minus credits and returns. Not all transactions are considered to be Purchases and eligible to earn rewards, such as transactions posting as Convenience Checks; Balance Transfers; Advances (including ATM withdrawals, wire transfers, traveler's checks, money orders, foreign cash transactions, betting transactions, and lottery tickets); interest charges and fees; credit insurance premiums; and transactions to (i) fund certain prepaid card products, (ii) buy currency from the U.S. Mint, or (iii) buy cash convertible items. Upon approval, see your Cardmember Agreement for details.

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. Subject to applicable law, you may not redeem rewards, and you will immediately lose all of your rewards, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death). 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.

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  3. By clicking Apply, you authorize your wireless carrier to use or disclose information about your account and your wireless device, if available, to us or our service provider for the duration of your business relationship, solely to help us identify you or your wireless device and to prevent fraud. See our Privacy Policy for how we treat your data.

  4. From time to time we may offer to you the benefit of our U.S. Bank ExtendPay® Plans, which allow you to pay off balances in fixed monthly payments over time and still avoid paying interest charges on new Purchases. You may designate up to 50% of your credit card line ($100 minimum) in eligible credit card purchases and pay in monthly installments with just a small fixed monthly fee. Only Purchase balances are eligible for  ExtendPayPlans. Transactions identified as Advances or Balance Transfers (as defined in your Cardmember Agreement), and any interest or fees, including Annual Fee, do not apply. The only Purchases that will appear as "Eligible Purchases" in the enrollment process are Purchases that were made within 60 days prior to signing up for an ExtendPay Plan, are over $100, and are less than your Purchase balance when you sign up for an ExtendPay Plan. Any unpaid balance remaining on an ExtendPay Plan after the chosen pay-back period will be subject to the APR and minimum payment calculation for purchases outlined in the Cardmember Agreement.

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The Contactless Symbol and Contactless Indicator are trademarks owned by and used with the permission of EMVCo, LLC.

The creditor and issuer of this card is U.S. Bank National Association, pursuant to a license from Visa U.S.A. Inc., and the card is available to United States residents only.