November 3, 2025 - Cash back rewards are earned under the U.S. Bank SmartlyTM Visa Signature® Card program. These rewards are earned as “Points”, and U.S. Bank will credit your U.S. Bank SmartlyTM Visa Signature® Card with 2 Points for every $1 spent in eligible Net Purchases (Purchases minus credits and ...

September 6, 2024 - If you want a higher return, you'll typically be limited to certain spending categories, or sometimes the cashback is capped. U.S. Bank wants to change that. You can now apply for the U.S. Bank Smartly™ Visa Signature® Card to earn up to ...

April 14, 2025 - Card rewards grow when combined ... of interests and needs, including the Bank Smartly Card, which provides unlimited 2% cash back on every purchase with no caps, with the ability to earn more when other qualifications are ...

November 7, 2025 - With the U.S. Bank Smartly™ Visa Signature® Card, cash back is worth 1 cent per point when deposited into an eligible U.S. Bank account. You can also redeem points for gift cards or statement credits, but they’ll be worth less if you do this.

December 4, 2025 - Up to additional 2% cash back on your first $10,000 in eligible Net Purchases each billing cycle when paired with U.S. Bank Smartly® Savings account plus qualifying balances in U.S. Bank Smartly® Checking and/or Safe Debit account. ... 0% introductory APR on purchases and balance transfers for the first 12 billing cycles. After that, a variable APR applies, currently 17.74%-27.99%. Get your cash back directly deposited into your U.S. Bank checking or savings accounts, as a statement credit, a rewards card, merchant gift cards and more.

July 28, 2025 - U.S. Bank launched the smartly card in September 2024. Thus, implementing changes for existing cardholders in September of 2025 gives the issuer 1 year from launch to implement the final round of changes. The Credit CARD Act of 2009 requires card issuers to give at least 45 days’ notice to any major changes for existing cardholders and must allow affected account holders to cancel their card in that period without any penalty.

October 27, 2025 - If you are trying to find a 2% ... The U.S. Bank Smartly™ Visa Signature® Card is a cash back credit card that offers 2% back on everyday purchases with no annual fee....

October 22, 2025 - Bank Smartly® Checking and/or Safe Debit account. ... 0% introductory APR on purchases and balance transfers for the first 12 billing cycles. After that, a variable APR applies, currently 17.74%-27.99%. Get your cash back directly deposited into your U.S. Bank checking or savings accounts, ...

November 8, 2025 - Below is our story from when the ... Bank has rolled out a $0-annual-fee credit card that can pay as much as 4% cash back on every purchase for banking customers who meet eligibility requirements....

September 5, 2024 - I can make to $250K, but it will be close for me, as I have 4% already (gas, groceries and gastronomy) with the Verizon card, with $10 per month line credit, and BofA PRE, with 2.625% and 3.5% on travel. A FTF would be a deal killer. A $95 annual fee would be fairly easy to overcome. But I would have to get the pencil and green eyeshades out. ... It sounds like an interesting card. The fee for my Smartly Checking account is covered by my Cash+ credit card and it looks like the fee for the Smartly Savings account is covered by having the Smartly Checking account.

May 5, 2025 - There's also some value to the simplifications resulting from the card and the savings account for us. Why would smartly be worth more the first year when there is no sign up bonus? ... I included the checking bonus in my reference to the "the whole smartly exercise", so that's $450. I'm also taking advantage of the 0% for maybe a $400 benefit and, since this is our final year of Roth conversions, the net rebates from paying taxes will be less in subsequent years. ... I'd rather chase credit card sign up bonuses.

April 14, 2025 - The standard for no-annual-fee, unlimited category cashback cards has traditionally been set at 2%, with the Bank of America Preferred Rewards program boosting that to 2.625% for those with $100k in assets. However, the US Bank Smartly Credit Card takes things to a whole new level, offering a 4% cashback rate with no cap – – a game-changer for heavy spenders!

July 31, 2025 - That said, the 1.25% premium I’m ... setup, the elevated rewards on the Smartly credit card are conditional on maintaining >$100k of assets at US Bank....

November 12, 2025 - The editorial content on this page ... expressed here are the author’s alone. ... With the U.S. Bank Smartly™ Visa Signature® Card, you can earn unlimited 4% cashback on all purchases!...

November 29, 2024 - Update 9/8/24: Reports are that the card will have no annual fee and will have no welcome bonus. ... U.S. Bank is set to launch the Smartly Visa Signature card and this will earn up to 4% back on all purchases.

May 29, 2025 - U.S. Bank issues several different ... launched the U.S. Bank Smartly™ Visa Signature® Card, a premium metal product that earns up to 4% cash back on every purchase....

October 28, 2025 - A subreddit for discussing credit cards. Be sure to read sub rules before posting, use the resources linked in the sidebar / about section of the sub, and use search to see if your question has already been answered.