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U.S. Bank Smartly Visa Signature card art

U.S. Bank Smartly Visa Signature card art

Join the waitlist!

U.S. BANK SMARTLY™ VISA SIGNATURE® CARD

Coming Soon: Earn up to 4% cash back on every purchase1

The U.S. Bank Smartly™ Visa Signature® Card, made of premium metal, will be available soon. Be amongst the first to apply!

These cash back rates can be obtained when rewards are redeemed into an eligible U.S. Bank deposit account.2

Unlimited 2% cash back on every purchase is just the beginning.

Get Smartly! Join the waitlist.

Make sure you're notified of any pre-launch news and reminded of when the Bank Smartly Card will be available. Sign up for exclusive updates.

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We will use your email address to communicate about U.S. Bank Smartly® Savings account and Smartly Credit Card offers. If you have previously opted in to receiving U.S. Bank marketing emails, you will continue to receive those.

 
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Disclosures

*The 0% introductory APR applies to purchases and is valid for the first 12 billing cycles. The 0% introductory APR applies to balance transfers made within 60 days of account opening and is valid for the first 12 billing cycles. The introductory rate does not apply to cash advances. Thereafter, the APR may vary. The current undiscounted variable APR for Purchases and Balance Transfers is 18.99% to 29.24% based on your creditworthiness. The variable APR for Cash Advances is 31.74%. This APR will vary with the market and is based on the Prime Rate. Cash Advance fee: 5% of each advance amount, $10 minimum. Convenience Check fee: 3% of each check amount, $5 minimum. Cash Equivalent fee: 5% of each cash amount, $10 minimum. Balance Transfer fee: 3% of each transfer amount, $5 minimum. There is a $1 minimum interest charge where interest is due. Annual fee: $0. Foreign Transaction fee: 3% of each foreign purchase transaction or foreign ATM advance transaction in U.S. Dollars. 3% of each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency. U.S. Bank ExtendPay® Fees: A monthly fee not to exceed 1.6% of the original principal amount in a U.S Bank ExtendPay® Plan or U.S. Bank ExtendPay® Loan. This fixed fee is disclosed upon enrollment and charged each month that you owe the applicable ExtendPay balance. ExtendPay Fees are calculated based upon the original principal amount, Purchase APR, and other factors. When you make a payment, the amount up to your Minimum Payment is applied first to the monthly payment obligation for ExtendPay Plans and ExtendPay Loans if any, and then to non-Fixed Payment Program balances in the order of the lowest to highest APR. Any amount over your Minimum Payment is applied to balances in the order of highest to lowest APR.

Net Purchases are Purchases minus credits and returns. Not all transactions are considered to be Purchases and eligible to earn Points, 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. Purchases qualify for Points based on how merchants choose to classify their business and we reserve the right to determine which purchases qualify.

Account must be open and in good standing (not past due) on the closing date of the billing cycle to earn and redeem Points and benefits. 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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  1. "Cash back" rewards are earned under the U.S. Bank Smartly™ Visa Signature® Card program. These rewards are earned as "Points", and U.S. Bank will credit your U.S. Bank Smartly™ Visa Signature® Card with 2 Points for every $1 in eligible Net Purchases. You may earn additional Points for a Smartly Earning Bonus if you:

    • Have or open a U.S. Bank Smartly® Savings account with a minimum opening deposit of $25; and
    • Have "Combined 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) (business accounts, commercial accounts, and the Trustee only (IFI) client relationship do not qualify):
      • Between $5,000 - $49,999.99, to earn a total of 2.5 Points per $1 (a base of 2 Points plus the Smartly Earning Bonus of 0.5 Points),
      • Between $50,000 - $99,999.99, to earn a total of 3 Points per $1 (a base of 2 Points plus the Smartly Earning Bonus of 1 Point), or
      • $100,000 or more to earn a total of 4 Points per $1 (a base of 2 Points plus the Smartly Earning Bonus of 2 Points).
    • 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. (This means that Cardmembers will be aware of the balance range of the Cardmember with the highest qualifying balance each billing cycle.) Balances of the Authorized User(s) will not qualify for determining the Smartly Earning Bonus. The Smartly Earning Bonus is determined and applied on a monthly basis, which means that the bonus applied to your Account may vary during a billing cycle. The Smartly Earning Bonuses are calculated on the Purchase transaction date (what may not be the date the transaction posts to the Account). Points will expire if there is no reward, purchase, or balance activity on your account for 12 consecutive statement cycles.

  2. This card earns cash back rewards in the form of Points.  To redeem as Cash Back in the values noted in this advertisement, rewards Points can be redeemed as a deposit into an eligible U.S. Bank deposit account.  Other redemptions, such as for statement credits and gift cards, may be at a reduced redemption rate.

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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.