U.S. Bank Smartly™ Visa Signature® Card: annual fee, APR and rewards
Fact sheet for the U.S. Bank Smartly™ Visa Signature® Card, issued by U.S. Bank, with no annual fee, an intro APR offer and cash back. Every detail below comes from the issuer’s pricing and terms pages, checked on the date shown at the end of the page.
| Issuer | U.S. Bank |
|---|---|
| Network | Visa |
| Annual fee | $0 |
| Rewards | Cashback: Earn unlimited 2% cash back on every purchase; with a U.S. Bank Smartly Savings account and qualifying Smartly Checking/Safe Debit balances, earn a total of 2.5% ($10,000-$49,999), 3% ($50,000-$99,999) or 4% ($100,000 or more) on your first $10,000 in eligible Net Purchases each billing cycle |
| Purchase APR | After that, a variable APR applies, currently 18.49% - 28.49% |
| Intro APR | 0% intro APR on purchases and balance transfers for the first 12 billing cycles. The 0% introductory APR applies to balance transfers made within 60 days of account opening |
| Balance transfer fee | Balance Transfer fee of 5% of each transfer amount, $5 minimum |
| Foreign transaction fee | 3% of each transaction |
| Credit level | Excellent, Good |
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Checked on October 16, 2026 on the issuer's official site. Terms change: confirm before you apply. usbank.com/credit-cards/bank-smartly-visa-si… · usbank.com/svt/usbank/rateapi.param-03_87869…