U.S. Bank Smartly Visa Signature
Every rate below is the issuer’s own, verified October 2, 2026.
Terms apply. See rates & fees on U.S. Bank. Rankings are pure math, never sold.
How it earns
Every rate here is the issuer’s published number. Points are valued at what this door can redeem them for: cash-back at the statement-credit rate, travel at the issuer’s travel rate.
What it pays at a typical spend
The family on our home page spends $800 a month on groceries, $200 on dining, $250 on gas, $100 on travel and $600 on everything else. Figures as of October 2, 2026, the day the terms were last verified.
At that spending the U.S. Bank Smartly Visa Signature nets $468 a year, after its fee. The biggest line is groceries, at $192. For the family on our home page, it places ninth of the 12 cash back cards we’ve confirmed.
The Fidelity Rewards Visa Signature, just above it among the confirmed cards, nets the same in year one and wins the tie on its fee. The Discover it Cash Back, just below it, nets the same. Judged on every year after the first instead, it places fifth of the 12 cash back cards we’ve confirmed.
Who it fits
It fits if
- You want one card for everything: 2x on every purchase with nothing to track.
- You want no annual fee.
Look elsewhere if
- Your credit is fair or thin: approval usually needs good credit.
Plain facts
- 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 October 2, 2026. An automatic check re-reads that page every day. On October 19, 2026 all 2 of the figures it watches here were still printed there. How we check
What people ask about it
Is there a cap on what it earns?
No. Its rates apply to all of your spending, with no yearly cap.
How is the cash back paid?
As cash rewards, a dollar for a dollar, so our figures count it at face value.
What does it earn on each purchase?
2x on every purchase, with no categories to track.
Where the rankings stand
The U.S. Bank Smartly Visa Signature is not in the top five of these.
- Best card for diningAt $500 a month on dining, the rest of the spending unchanged, Robinhood Gold Card first, at $760 a year.
- Best card for groceriesCiti Double Cash first, at $668 in year one.
More cards like this
- Yearly fee $0Fidelity Rewards Visa SignatureFidelity · for Fidelity account holders, 2x when deposited into Fidelity
- Yearly fee $0Apple CardApple · for iPhone users who pay with Apple Pay, 2x, and 1x on the physical card · estimate
- Yearly fee $0Discover it Cash BackDiscover · for rotating categories, 5x each quarter
The three cash back cards beside this one on our list of every card. See every card