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Home/Cards/U.S. Bank Smartly Visa Signature

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No FeeCashbackNo-fee

U.S. Bank Smartly Visa Signature

U.S. Bank

4.2/5TheFireWallet Rating

The U.S. Bank Smartly Visa is a flat 2% cash back card that can scale to 4% if you park savings at U.S. Bank. No annual fee and a 0% intro APR make it competitive with the Citi Double Cash and Wells Fargo Active Cash.

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Key Details

Annual Fee

$0

APR

17.49% - 27.49%

Credit Score

Good

Rewards

2% cash back on every purchase

Signup Bonus

None publicly listed

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Pros & Cons

Pros

+2% unlimited cash back with no annual fee — matches Citi Double Cash
+Up to 4% back with qualifying U.S. Bank Smartly Savings balance
+0% intro APR for 15 billing cycles on purchases and balance transfers

Cons

-Best rates (3-4%) require U.S. Bank banking relationship with large balances
-No signup bonus publicly listed
-Limited to U.S. Bank ecosystem for maximum value

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Compare

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