U.S. Bank Smart Rewards® benefits expand

October 10, 2023
A mom and daughter at the check-out counter at the grocery store.
U.S. Bank Smartly and Smart Rewards clients have access to new benefits, including exclusive cash-back deals for U.S. Bank personal credit card holders.

It’s now even more rewarding to be a U.S. Bank Smartly Checking® client 

U.S. Bank continues to simplify banking – and make it more rewarding – with the launch of new benefits within the U.S. Bank Smartly Checking and Smart Rewards program.

New to the rewards program, clients with a qualifying U.S. Bank personal credit card can now receive cash-back offers in addition to their current rewards credit card offerings. Discounts on home equity and auto loan products were also recently added as Smart Rewards benefits.  

With the new, exclusive cash-back deals, Smart Rewards participants who qualify for the primary tier of benefits have access to exclusive cash-back offers when they use their qualifying personal credit card at top national merchants, brands or spending categories. Cash-back offers worth up to $135 per quarter may be available in popular spending categories such as grocery stores and food delivery, gas stations, travel, and more – with offers changing every 45 days.

To take advantage of the exclusive cash-back deals, U.S. Bank credit card holders can simply click on the offers in the U.S. Bank mobile app or through online banking and shop at a selected retailer. Rewards will be credited to their account within 7-10 business days.

U.S. Bank personal credit card holders who do not yet have a Bank Smartly Checking account can open a new account and enroll in Smart Rewards. Specific benefits and perks of Bank Smartly and Smart Rewards are available within four tiers of rewards (Primary, Plus, Premium, and Pinnacle) based on a client’s total qualifying balances throughout the bank. 

“We know that clients want a relationship with their bank that is easy to navigate and rewards them for being a client,” said Arijit Roy, head of consumer segment and solutions at U.S. Bank. “Smart Rewards meets that need and goes beyond, with benefits for everyday spending as well as major life purchases, such as a home mortgage or auto loan.”

Other new Smart Rewards benefits recently introduced include discounts on Home Equity Lines of Credits (HELOC) and auto loans. Clients originating a new auto loan with U.S. Bank and at network dealerships have access to discounts on auto loan interest rates; and new and existing HELOC clients can enjoy waivers on HELOC annual fees.

In addition to enhanced Smart Rewards benefits, U.S. Bank is continuing to expand access to certain products and services beyond its traditional markets, making it easier for clients to deepen their relationships with the bank. From recently making certificates of deposits (CDs) available to clients and non-clients in all 50 states to a number of digital advancements, alliances and new market entries, U.S. Bank is providing more products and services to a significantly larger segment of the U.S.

“By focusing on meeting clients where they are at, our clients can bank when, where and how they prefer,” said Roy. “We are making it easier and more rewarding than ever before to bring your whole banking relationship to U.S. Bank.”



Exclusive Smart Rewards cash-back deals are available to U.S. Bank personal credit cardmembers whose accounts are open and in good standing who: (1) have a U.S. Bank Smartly® Checking account; (2) are enrolled in the U.S. Bank Smart Rewards program; and (3) qualify for the Primary tier of the program or higher. Cardmembers who have both a personal credit card account and a business credit or charge card account with U.S. Bank are not eligible for these offers. Smart Rewards cash-back deals appear in online banking and the U.S. Bank mobile app and will change approximately every 45 days. Following enrollment in U.S. Bank Smart Rewards program, offers will be made available to eligible cardmembers within 4-6 weeks. To access and activate the cash-back deals, cardmembers must log in to online banking or the mobile app and select the Smart Rewards cash-back deals to activate them. Once the deal or deals are activated, shop online or in store at offer-activated stores using your enrolled U.S. Bank personal credit card at checkout. Terms and conditions applicable to each offer are provided with the offer. Cash back is automatically credited within 5-7 business days to the card or account used to complete the deal. For more information about the Smart Rewards program, visit

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