What is the annual fee for the U.S. Bank Smartly Visa Signature Card?

The annual fee is No annual fee.

What credit score do I need for the U.S. Bank Smartly Visa Signature Card?

You generally need: Good to Excellent (700+). Approval also depends on income and existing accounts.

U.S. Bank SIGNATURE

4539 1488 0343 6467

Card HolderYour Name

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U.S. Bank Smartly Visa Signature Card

Annual fee No annual fee

★★★★★ 4.3How we rate

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U.S. Bank · Visa

U.S. Bank Smartly Visa Signature Card

Name: U.S. Bank Smartly Visa Signature Card
Brand: U.S. Bank
Availability: InStock

★ Up to 4% on everything No Annual Fee Cash Back No Annual Fee Points & Rewards

On paper a flat 2% on everything, climbing to 4% if you park enough in U.S. Bank Smartly Savings and Checking, which is the highest no-category flat rate around when you qualify. The catch is that 4% needs a large deposit and investment balance held at U.S. Bank, so without it this is just a 2% card competing with simpler options. Hit the top tier and $30,000 of annual spend returns $1,200 versus $600 at base, but tying up six figures in low-yield balances to get there can cost you more in foregone interest than the bonus is worth. No annual fee; confirm the exact balance thresholds and boost tiers on U.S. Bank's site, as they've shifted since launch.

⟳ Rates & fees verified June 2026 — always confirm the current terms on the issuer's official site before applying.

Annual fee

No annual fee

Rewards rate

2% cash back on all purchases, boosted up to 4% when you hold qualifying U.S. Bank Smartly Savings and Bank Smartly Checking balances

Welcome bonus

Cash back bonus after meeting the minimum spend for new cardholders

Intro APR

None

Regular APR

19.24%–29.24% variable

Foreign transaction fee