Your new U.S. Bank Smartly™ Visa Signature® Card is on the way.

As our partnership with Kroger is coming to an end, U.S. Bank will replace 
your card with our highest earning cash back card, the U.S. Bank Smartly™ Visa Signature® Card.

The U.S. Bank Smartly Card is recognized as a best-in-class cash back card. 
It offers an unlimited 2% cash back on all purchases with no caps, no categories to track or quarterly activations.1 Whether it's your local grocery store or somewhere new, you'll earn 2% cash back on everyday spending, including bills like utilities, cable, phone and insurance.

U.S. Bank Smartly Visa Signature Credit Card

We’re making the transition to
Smartly Card easy.

What's staying the same:

  • Your $0 annual fee remains in place.
  • Your existing credit limit will be carried over to your new card.
  • Your new account will reflect your current rates and fees.2
  • You will still be able to manage your new card in your U.S. Bank Mobile App or at usbank.com through U.S. Bank online banking.

What transfers automatically to your new card:

  • Your existing balance will transfer automatically. The Annual Percentage Rate (APR) for those balances will remain the same under your current terms and conditions.
  • Your rewards balance will carry over as part of the conversion. Any existing rewards will transfer automatically to your new card. New rewards earned on the Smartly Card do not expire as long as you keep your account active.3

Have more questions about this transition?  See FAQs >

PLUS: Enjoy all these benefits with $0 ANNUAL FEE 2

Easy access to manage your account is available through your

U.S. Bank Mobile App or at usbank.com online banking.   Get started by logging in to your account >

Frequently asked questions about the transition

Your new card will arrive sometime between August and October. You will receive a new card with a new account number and a new expiration date. Until then, continue to use your current card.

You can begin using your new card immediately upon activation.

Yes, you will receive a new credit card account number and a new expiration date.

Any existing balances will move to your new account automatically. The Annual Percentage Rate (APR) for those balances will remain the same under your current terms and conditions.

Your credit line will not change.

Upon activation of your new Smartly Card, we will update your saved payment information with many billers and merchants — so you don’t have to.*

This will help you:

  • Keep your recurring payments and subscriptions running smoothly
  • Avoid declined payments
  • Prevent service interruptions

*Not all merchants participate in automatic updates, and updates are not guaranteed before the next billing cycle. As a result, you may need to provide your new credit card information directly to some merchants.

If you have any authorized users on your account, a new card will be issued for them along with your card. Please note they may arrive in separate envelopes.

No, you will still be able to manage your new card in your U.S. Bank Mobile App or at usbank.com through U.S. Bank online banking.

Frequently asked questions about your Kroger Benefits

Your Boost membership will continue through your current expiration date. Check your expiration date at kroger.com/boost or call 1-800-576-4377 for more information.

Your 5 cent per gallon savings at Kroger Fuel Centers will end when you activate your new card. For more information, visit kroger.com/fuel or call 1-800-576-4377.

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Disclosures

Offer is valid based on an account review as of June 12, 2026. If you take no action, the conversion to your new product will occur between August-October 2026. During this time, offer may not be valid if account status has recently changed. Your account must be open, current and have available credit (no minimum payment past due). Delinquent accounts are not eligible for this offer. Accounts not in good standing will be closed. When your new Card is received in the mail, don’t forget to activate. For questions or for inquiries, please call the Cardmember Service number found on the back of your card.

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  1. 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. 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. Please refer to your Cardmember Agreement or Rewards Program Rules in the online Rewards Center by logging into usbank.com for additional information.

    Cash back rewards are earned under the U.S. Bank SmartlyTM Visa Signature® Card program.  These rewards are earned as “Points,” and U.S. Bank will credit your U.S. Bank SmartlyTM Visa Signature® Card with 2 Points for every $1 spent in eligible Net Purchases (Purchases minus credits and returns).  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 a “Qualifying Balance” with U.S. Bank in open consumer Bank Smartly® Checking, and/or Safe Debit account(s). Deposits in other U.S. Bank accounts do not qualify toward the Qualifying Balance requirement. Based on your Qualifying Balance, you will earn Points according to the following Smartly Earning Bonus tiers, except for the exceptions described below: 
      • Between $10,000 - $49,999.99, to earn a total of 2.5 Points per $1 of eligible Net Purchases (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 of eligible Net Purchases (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 of eligible Net Purchases (a base of 2 Points plus the Smartly Earning Bonus of 2 Points).

    Exceptions:

    • Smartly Earning Bonus applies to a maximum of $10,000 in eligible Net Purchases each Card billing cycle. Eligible Net Purchases over $10,000 during each Card billing cycle will earn the base earn of 2 Points per $1 spent in Net Purchases.
    • Not all Purchases are eligible to earn the Smartly Earning Bonus: Purchases classified as (1) education/school, gift cards (including discount gift card sites), insurance, or tax; (2) “business-to-business transactions” (transactions with merchants who are in the business of supplying goods and services to other businesses, such as advertising services, plumbing/heating suppliers, construction material suppliers (excluding home improvement stores), and computer programming services), even if not made for a business purpose; and (3) transactions using third-party bill payment services will earn the base of 2 Points per $1 spent in Net Purchases and may not earn additional Points for the Smartly Earning Bonus.  These Purchases are not calculated as part of the $10,000 cap.  Each merchant’s business is identified by a category code established by Visa. A Purchase will not earn additional Points if the category code applied to a merchant is in a category that is not eligible for additional Points earning. We do not determine the category codes applied to merchants’ businesses and reserve the right to determine which Purchases qualify for additional Points. 

    The Qualifying Balance is determined as follows:

    1. At the end of each day an average Qualifying Balance is calculated.  The balance is based on a 30-day average balance of all qualifying accounts and is calculated by adding together the end of day ledger balance(s) for every day in the last 30 days and dividing the total by 
      1. 30 calendar days, or
      2. the number of days since opening an initial qualified account (either a consumer Bank Smartly® Checking, or Safe Debit account).
    2. The Smartly Earning Bonus tier that is applied to your U.S. Bank Smartly credit card account is determined based upon the Qualifying Balance (as described above).

      If your daily Qualifying Balance qualifies you for a tier upgrade or downgrade, you will be moved to the higher or lower tier (within 5 business days).  This means that the bonus tier that will be applied to your account may vary during a Card billing cycle.  The Smartly Earning Bonus is applied based on the Purchase transaction date using the effective tier value determined as of the date the transaction posts.

      For joint Card accounts: The applicable Smartly Earning Bonus tier will be determined by reviewing the Qualifying Balance in the qualifying account(s) of each Cardmember (if there is more than one) and using the total Qualifying Balance of the individual whose account(s) have the highest total. (This means that all Cardmembers may be aware of the balance range of the Cardmember with the highest qualifying balance.) Balances of the Authorized User(s) will not qualify for determining the Smartly Earning Bonus tier.

      To redeem as Cash Back in the values noted in this advertisement, Points can be redeemed as a deposit into an eligible U.S. Bank deposit account or statement credit. Other redemptions, such as for gift cards or travel, may be at a reduced redemption rate.

      Points will expire if there is no reward, Purchase, or balance activity on your Card account for 12 consecutive statement cycles. If you make a Purchase return or otherwise receive credit on a Purchase transaction, Points will be deducted from your Points balance based on the Smartly Earning Bonus tier that applies to your Card account when you make the return or receive the credit.

  2. 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.

  3.  Points earned from the U.S. Bank Smartly Visa Signature Card program will expire if there is no reward, purchase or balance activity on your account for 12 consecutive statement cycles. Points earned from other rewards programs as a result of an upgrade or conversion will be subject to expiration per their original terms.

  4. Offer valid for 12 months following account conversion to your U.S. Bank Smartly Visa Signature Card. In addition to the base 2 Points your Card earns, you will earn 1 additional Point for every $1 spent in Net Purchases in the following categories: grocery store, supermarket, gas station and electric vehicle charging station. Each merchant's business is identified by a category code established by Visa. A Purchase will not earn additional Points if the category code applied to a merchant is in a category that is not eligible for additional Points earning. We do not determine the category codes applied to merchants' businesses and reserve the right to determine which Purchases qualify for additional Points. Please allow 1-2 statement billing cycles for your additional Points to appear on your credit card statement.

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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.

Deposit products are offered by U.S. Bank National Association. Member FDIC.