Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
18.49% - 28.74%(Verified 01/06/2025)
Balance Transfer APR (Variable APR)
18.49% - 28.74%(Verified 01/06/2025)
Credit Score Range
670 - 850
Annual Fee
$0
US Bank Smartly Visa Signature® Card Review
This is a cashback credit card issued by U.S. Bank. If you're wondering whether US Bank Smartly Visa Signature® Card is the right card for you, read on.
Key Takeaways
- Generous reward rate. Earn up to 4% cash back if you have a U.S. Bank Smartly Savings Account and average daily combined qualifying balances in U.S. Bank deposit, trust or investment accounts.
- 0% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for 12 months, which is the average period for 0% APR balance transfer cards.
- 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for 12 months.
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR that ranges from 18.49% up to 28.74%.
- No annual fee. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.
- A 3% balance transfer fee. US Bank Smartly Visa Signature® Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $5.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 1.6% every time you make a transaction outside the U.S.
- Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, emergency support, extended warranty protection on purchases, identity theft protection, purchase security, travel accident insurance, travel assistance, and fraud protection.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of US Bank Smartly Visa Signature® Card
| The Good | The Bad |
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US Bank Smartly Visa Signature® Card FAQ
Does US Bank Smartly Visa Signature® Card have a cash back or rewards program?
This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Every Purchase | 2 % cash back - 4 % cash back (You can earn up to 4% cash back if you have a U.S. Bank Smartly Savings Account and average daily combined qualifying balances in U.S. Bank deposit, trust or investment accounts.) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does US Bank Smartly Visa Signature® Card have a signup bonus?
This card doesn't offer a cash signup bonus.Does US Bank Smartly Visa Signature® Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the US Bank Smartly Visa Signature® Card benefits?
US Bank Smartly Visa Signature® Card provides the following benefits:
- Auto Rental Collision Damage Waiver
- Emergency Support
- Extended Warranty Protection
- Zero fraud liability
- Travel Accident Insurance
- Travel Assistance
What are the relevant APRs for US Bank Smartly Visa Signature® Card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.US Bank Smartly Visa Signature® Card has a variable purchase APR that ranges from 18.49% up to 28.74%. The card has a variable balance transfer APR that ranges from 18.49% up to 28.74%. It also has a variable cash advance APR of 31.24% .
Does US Bank Smartly Visa Signature® Card have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0% for a period of 12 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 18.49% - 28.74% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 12 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Minimum | $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does US Bank Smartly Visa Signature® Card have an intro APR offer on new purchases?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Introductory Rate | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Purchase Intro APR Period | 12 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does offer an intro APR rate of 0% on qualified purchases for a period of 12 months.
What are the fees for US Bank Smartly Visa Signature® Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $41 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | 1.6% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $41 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.
Does US Bank Smartly Visa Signature® Card have a foreign transaction fee?
US Bank Smartly Visa Signature® Card charges a foreign transaction fee of up to 1.6%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $32. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.What is the customer service phone number for US Bank Smartly Visa Signature® Card?
The customer service number for US Bank Smartly Visa Signature® Card is (800) 872-2657.
What is the support contact email for US Bank Smartly Visa Signature® Card?
The support contact email for US Bank Smartly Visa Signature® Card is customer.support@usbank.com.
How do people rate the customer service and user experience of US Bank Smartly Visa Signature® Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does U.S. Bank perform a hard credit pull?
Yes, US Bank Smartly Visa Signature® Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for US Bank Smartly Visa Signature® Card
- Visit the website of US Bank Smartly Visa Signature® Card.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
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Other Credit Cards from U.S. Bank
Purchase APR
16.74% - 26.74%
Disclaimer popup with additional information
Balance Transfer APR
13.99% - 23.99%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$0
Purchase APR
15.99% - 23.99%
Disclaimer popup with additional information
Balance Transfer APR
15.99% - 23.99%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
14.99% - 22.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
700 - 850
300
850
Annual Fee
$50
Rating not yet determined
Purchase APR
15.99% - 22.99%
Disclaimer popup with additional information
Balance Transfer APR
15.99% - 22.99%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$75
Rating not yet determined
Purchase APR
16.74% - 26.74%
Disclaimer popup with additional information
Balance Transfer APR
14.49% - 24.49%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$85
Rating not yet determined
Purchase APR
16.74% - 26.74%
Disclaimer popup with additional information
Balance Transfer APR
13.99% - 23.99%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
18.24% - 26.24%
Disclaimer popup with additional information
Balance Transfer APR
18.24% - 26.24%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$450
Rating not yet determined
Purchase APR
14.49% - 24.49%
Disclaimer popup with additional information
Balance Transfer APR
14.49% - 24.49%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$80
Rating not yet determined
Purchase APR
18.24% - 26.24%
Disclaimer popup with additional information
Balance Transfer APR
18.24% - 26.24%
Disclaimer popup with additional information
Credit Score Range
720 - 850
300
850
Annual Fee
$0 - $95
Rating not yet determined
Purchase APR
17.24% - 26.24%
Disclaimer popup with additional information
Balance Transfer APR
17.24% - 26.24%
Disclaimer popup with additional information
Credit Score Range
Starting at 720
Annual Fee
$0
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