U.S. Bank Smartly Visa Signature
By Alex Compton · Last verified
2% base, up to 4% on everything with a U.S. Bank Smartly relationship.
Welcome Bonus
Under review
Current claim suppressed
Spend Requirement
Under review
Annual Fee
Under review
Last recorded terms remain in the history below
Credit Score
700+
(Good-Excellent)
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-06 | $250 | $2,000 in 4 mo | Terms reconfirmed | Archive record · no attached snapshot |
| 2025-04 | $250 | $2,000 in 4 mo | Bonus increased: $200 → $250 · Spend: $1,000 → $2,000 · Window: 3 → 4 monthsEarning tiers restructured for new cardholders | Archive record · no attached snapshot |
| 2024-10 | $200 | $1,000 in 3 mo | Earliest recordLaunch offer, uncapped 4% era | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledgerEvent-level primary-source attachments begin with the September 2026 verification system. Older records remain visible but are not retroactively presented as evidenced.
Source checked 2026-06-09 · spot an outdated offer? Report a correction above.
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Last Recorded Earning Rates
These terms are historical context and are not presented as current.
- 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 balancesCaps and category exclusions apply for newer cardholders; verify current terms
Last Recorded Credits
No statement credits, this card wins on earn rates, not coupons.
Last Recorded Benefits
Confirm availability and enrollment requirements with the issuer.
- ✦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.
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