U.S. Bank Smartly™ Visa Signature® Card

Earn up to 4% total cash back on your first $10,000 in eligible net purchases each billing cycle — 2.5% with $10K+, 3% with $50K+, or 4% with $100K+ in qualifying U.S. Bank Smartly Savings plus Checking/Safe Debit balances; purchases above $10,000 earn the base 2%. Rates apply when rewards are redeemed into an eligible U.S. Bank deposit account.

Personalized cash back offers from select brands, redeemable through U.S. Bank online and mobile banking.

Redeem cash back as a deposit to a U.S. Bank account, statement credit, a rewards card, or merchant gift cards.

0% introductory APR on purchases and on balance transfers made within 60 days, for the first 12 billing cycles; then a variable APR applies. Balance transfer fee is 5% ($5 minimum).

Split eligible purchases over $100 into fixed monthly payments with no interest, just a fixed monthly fee; new cardmembers get a $0 ExtendPay fee offer in the first 60 days.