US Bank
US Bank Smartly benefits and annual fee
No annual fee
A no-annual-fee cash back card that earns unlimited 2% on every purchase, with the potential to earn up to 4% for U.S. Bank customers who maintain qualifying deposit account balances.
Maintained by Creddy Editorial · Catalog checked Sep 14, 2026
Earning rates
| Category | Rate | Notes |
|---|---|---|
| Everything else | 4x |
Bonus category rates for this card are still being added.
How to evaluate this card
Compare the annual fee with benefits you can realistically use. Check enrollment requirements, merchant restrictions, reset timing, and the issuer's current terms before applying. Creddy shows face values for planning, but usable value depends on your account and spending.
Benefits
Bonus Earnings
- Smartly Earning Bonus - Up to 4% Total Cash Back4% / mo
With qualifying U.S. Bank Smartly balances, earn total cash back up to 4% (100% earning bonus at $100,000+), 3% (50% bonus at $50k-$99,999), or 2.5% (25% bonus at $10k-$49,999) on the first $10,000 in eligible net purchases each billing cycle. Base unlimited 2% applies otherwise.
Checked Sep 14, 2026 - Unlimited 2% Cash Back on Every Purchase2% / yr
Earn 2% cash back on every purchase with no spending caps or category restrictions. To get your cash back, redeem it into an eligible U.S. Bank deposit account. There's no limit on how much you can earn.
Checked Jul 4, 2026
Fees & Miscellaneous
- No Annual Fee
$0 annual fee on the U.S. Bank Smartly Visa Signature card.
Checked Sep 13, 2026
Related credit card guides
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Understand monthly, calendar-year, cardmember-year, and rolling statement credit resets so valuable card benefits do not go unused.
How to Calculate Credit Card Value vs. the Annual Fee
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US Bank Smartly questions
- Is the US Bank Smartly worth its annual fee?
- Compare the current annual fee with the benefits and rewards you would actually use. A listed credit has less value if its restrictions do not fit your spending.
- What benefits does the US Bank Smartly include?
- No trackable benefits are currently listed for this card. Check US Bank's current card terms for coverage.
- What is the US Bank Smartly annual fee?
- Creddy's catalog currently lists no annual fee. Confirm current pricing with US Bank before applying or renewing.
- Does the US Bank Smartly have a welcome offer?
- Offers change and can depend on eligibility. Check US Bank's current application terms for the available bonus, spending requirement and deadline.
- Who might benefit from the US Bank Smartly?
- It may fit someone whose normal spending matches its earning rates and who can use enough listed benefits to justify the fee. Compare alternatives before applying.
- How does the US Bank Smartly compare with other US Bank cards?
- Compare annual fees, earning rates and benefits across the US Bank cards in Creddy's catalog. The right choice depends on your spending and which perks you can use.