# U.S. Bank Smartly™ Visa Signature® Card

> Earn 2x on all purchases. No annual fee.

Canonical page: https://cardstack.money/cards/us-bank-smartly-visa-signature-card
Markdown mirror for AI agents and LLMs. Full index: https://cardstack.money/llms.txt

## At a glance

- Issuer: U.S. Bank
- Network: Visa
- Annual fee: $0

## Earning rates

| Rate | Category | Notes |
| --- | --- | --- |
| 2x | All other purchases | Base earn rate |

## Other benefits

- **Smartly Earning Bonus**: 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.
- **Cash back deals**: Personalized cash back offers from select brands, redeemable through U.S. Bank online and mobile banking.
- **Flexible redemption**: Redeem cash back as a deposit to a U.S. Bank account, statement credit, a rewards card, or merchant gift cards.
- **0% intro APR**: 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).
- **ExtendPay® Plan**: 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.


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CardStack is an iOS app that automatically tracks your credit card statement credits, benefits, and points so they never expire unused. Website: https://cardstack.money - App Store: https://apps.apple.com/app/apple-store/id6759270863