U.S. Bank Smartly Visa Signature
2% base, up to 4% on everything with a U.S. Bank Smartly relationship.
Welcome Bonus
$250
≈$250 value
Spend Requirement
$2,000
in 4 months
Annual Fee
$0
3% FTF
Credit Score
700+
(Good-Excellent)
Current offer note: $250 cash back
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
Last verified 2026-06-09 · spot an outdated offer? Tell us in the comments.
Earning Rates
- 2xAll purchases (base rate)
- 2.5xAll purchases with $5,000+ in U.S. Bank deposits or investments
- 3xAll purchases with $50,000+ combined balances
- 4xAll purchases with $100,000+ combined balances
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦Pairs with the Smartly savings account and U.S. Bancorp Investments balances
- ✦Highest flat rate available anywhere when fully unlocked
Why it earns its spot
- +4% flat is the ceiling of the entire cash back market
- +Solid 2% floor even with no relationship
Where it costs you
- −Top tier requires $100k parked at U.S. Bank
- −Terms have been nerfed once already and caps now apply to new cardholders
- −3% foreign transaction fee
The Compound Verdict
If you are willing to move six figures to U.S. Bank, nothing else touches this earn rate. The program has already been trimmed once, so read the current tier rules before you move money. Without the relationship it is just another 2% card.
Rate this card
Be the first to rate it
Commentson Smartly
Comments are stored in your browser during our community preview. Accounts, moderation and cross-device sync arrive with Credit Compound Community.