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U.S. Bank Smartly Visa Signature

Every rate below is the issuer’s own, verified August 25, 2026.

$0Annual fee

NoneWelcome bonus

2xOn everything else

Terms apply. See rates & fees on U.S. Bank. Rankings are pure math, never sold.

The rates

How it earns

Every rate here is the issuer’s published number. Points are valued conservatively, in cash-equivalent dollars.

Earn rates U.S. Bank Smartly Visa Signature

Everything else2x

Annual fee$0

Know before you apply

Who gets approvedGood credit, around 670+. 2% for everyone, no caps. Up to 4% total exists, but only with $100,000+ parked at U.S. Bank and only on the first $10,000 a cycle — we count the 2% you actually get without moving your savings.
The issuer’s terms governRates, fees and bonus conditions are set by U.S. Bank and change without notice. Confirm the current offer before you apply.
Where these numbers came fromCollected by hand from U.S. Bank’s own published terms, last verified August 25, 2026. An automatic check re-reads that page every day. On September 4, 2026 all 2 of the figures it watches here were still printed there.

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