U.S. Bank Smartly™ Visa Cash Back Credit Card
No annual fee. Purchase APR 17.74–27.99%, variable.
- Annual fee
- Issuer's pageusbank.com
“$0 Annual Fee”
- Purchase APR
- CFPB credit card surveyReported to the CFPB, Dec 31, 2025
The source states this figure; we have no exact sentence on file yet.
- Foreign transaction fee
- CFPB credit card surveyReported to the CFPB, Dec 31, 2025
The source states this figure; we have no exact sentence on file yet.
We don't earn anything from this link. Select any underlined figure to see where it comes from.
What it's worth
| Spending | First year | After |
|---|---|---|
| Light spender | $240 | $240 |
| Typical spender | $600 | $600 |
| Heavy spender | $1,320 | $1,320 |
The spending each assumes, a month
- Light spender: groceries $300, dining $100, gas $100, everything else $500
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500
Assumed: not counted: 0.5x Smartly Earning Bonus for a Qualifying Balance between $10,000 and $49,999.99; not counted: 1x Smartly Earning Bonus for a Qualifying Balance between $50,000 and $99,999.99; not counted: 2x Smartly Earning Bonus for a Qualifying Balance of $100,000 or more.
Estimates from the published terms above, as checked Oct 4, 2026; not advice. How we value cards
How it compares
- No annual fee, like about 100% of the 49 cards on our No annual fee list (see the list).
- Worth more to a typical spender than about 95% of the 650 cards we track.
- Lower top APR than about 40% of the 46 cards on our No annual fee list (see the list).
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
How you earn · U.S. Bank Smartly Visa Signature Card program
- 0.5× pointsSmartly Earning Bonus for a Qualifying Balance between $10,000 and $49,999.99
- 1× pointsSmartly Earning Bonus for a Qualifying Balance between $50,000 and $99,999.99
- 2× pointsSmartly Earning Bonus for a Qualifying Balance of $100,000 or more
- 2× pointsEverything else
Rates and fees
| Annual fee | Issuer's pageusbank.com “$0 Annual Fee” |
|---|---|
| Purchase APR | CFPB credit card surveyReported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
| Intro APR | Issuer's pageusbank.com “0% intro APR 2 on purchases and balance transfers 3 for the first 12 billing cycles .” |
| Balance transfer APR | Issuer's pageusbank.com “0% intro APR 2 on purchases and balance transfers 3 for the first 12 billing cycles .” |
| Balance transfer fee | Issuer's pageusbank.com “Balance Transfer fee of 5% of each transfer amount, $5 minimum will apply.” |
| Foreign transactions | CFPB credit card surveyReported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
Carrying a balance? See how long it takes to pay off
Benefits
- Cash-back deals provide personalized offers based on previous spending through the U.S. Bank Mobile App or online banking.
- Cash back can be redeemed as a deposit into an eligible U.S. Bank checking or savings account, a statement credit, a rewards card, merchant gift cards and more.
- New cardmembers receive a $0 fee offer on U.S. Bank ExtendPay Plans opened in the first 60 days after account opening.
- U.S. Bank ExtendPay Plans allow eligible purchases to be divided into monthly payments with no interest and a fixed monthly fee.
Questions
- What is the annual fee?
- $0 usbank.com, since Sep 29, 2026
- Does it charge a foreign transaction fee?
- Yes: 3%. Reported to the CFPB, Dec 31, 2025, since Oct 4, 2026
- What is the purchase APR?
- 17.74–27.99% APR Reported to the CFPB, Dec 31, 2025, since Sep 29, 2026
- Is there an intro APR?
- 0% for first 12 billing cycles. usbank.com, since Sep 29, 2026
- What credit do you need?
- Good to excellent usbank.com, since Sep 29, 2026
Other cash back cards with no annual fee
- Susan G. Komen Customized Cash Rewards Credit Card - Pink RibbonBank of America · No annual fee+$110 a year
- The One Key Card No Annual FeeWells Fargo · No annual fee+$50 a year
- West Elm Key Rewards VisaCapital One · No annual fee+$25 a year
Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).