U.S. Bank Smartly Visa Signature Card
No annual fee · 2% on everything else · 3.0% foreign transaction fee
Earn rates · how we got this
| Category | Rate | Cap |
|---|---|---|
| Everything else | 2% | uncapped |
Non-cash perks
- 0% intro APR for 12 billing cycles on purchases and balance transfers
- Flexible redemption: deposit to U.S. Bank checking/savings, statement credit, rewards card, gift cards
Does the fee earn out? · how we got this
No annual fee, so every point earned is pure upside. The question is only whether its rates beat the other cards already in your wallet — which depends on your spending, not the card.
Check the current offer on the issuer's site → Where a card link will appear once available — no link on this page pays us today.
Who this card is not for
Every point below is a term the issuer prints, read off this card's own row in our database — not an opinion about the card. One thing on this card rules out a kind of spender:
- Anyone who spends abroad. Every purchase in a foreign currency carries a 3.0% foreign transaction fee. On a card earning 2.0¢ per dollar at the base rate, that fee costs more than the rewards on the same purchase.
More from U.S. Bank
- U.S. Bank Triple Cash Rewards Visa Business Card
- U.S. Bank Altitude Connect Visa Signature Card
- U.S. Bank Altitude Go Visa Signature Card
- U.S. Bank Altitude Reserve Visa Infinite Card $400/yr
- U.S. Bank Business Altitude Connect Visa Signature Card $95/yr
- U.S. Bank Business Altitude Power Visa Signature Card $195/yr
Which card should this spending actually be on? The demo re-scores a year of realistic spending against every card in a wallet — free, no signup. See it on sample data →
Verified 2026-08-21 against issuer terms · sources: www.usbank.com · www.forbes.com. Spot an error? Tell us.