US Bank · Visa Signature · Personal
US Bank Smartly
A no-annual-fee card earning U.S. Bank Smartly Cashback: 2× on everything.
- Annual fee
- $0No annual fee
- Signup bonus
- NoneNo signup bonus listed
- Top rate
- 2×All Other
- Point value
- 1¢ In travel · 1¢ as cash (our estimate)*
Year one and year two
Is it worth it for you?
Tick the credits you’d really use and enter what you spend. The ledger adds up the bonus, your points and the credits, less the fee.
| Line | Year one | Year two |
|---|---|---|
| Signup bonus None listed | $0 | – |
| Points on your spend Enter your spending | $0 | $0 |
| Credits you’d use No statement credits listed | $0 | $0 |
| Annual fee No annual fee | $0 | $0 |
| NetYear one includes the bonus · at your inputs · our estimates* | $0 | $0 |
Earning structure
1 category, 1 rate
| Icon | Category | Points per $1 | Worth per $100 (our estimate)* |
|---|---|---|---|
| All Other | 2× | $2.00 |
The rest of the card
Details, rules and benefits
Card details
- Annual fee
- None
- Card type
- Personal
- Network
- Visa Signature
- Bank
- US Bank
- Point system
- U.S. Bank Smartly Cashback
- Travel value (our estimate)*
- 1¢ per point
- Cash value (our estimate)*
- 1¢ per point
- Foreign transaction fee
- Yes
- Transfer partners
- No
- Travel portal redemption
- No
- Cash to travel
- No
Application rules1
- Citi 6/6
You'll be declined if there are 6 or more hard inquiries on your credit report the past 6 months.
Benefits3 · 0 high value
- Earn Perks & Status Earn 2.5x On All Purchases + 2 more earn perks & status benefits
Benefit details, terms, and availability may vary. Please refer to the card’s terms and conditions for complete information.
Alternatives
Head to head with similar cards
 US Bank Smartly |  Harris Teeter Rewards |  Korean Air SKYPASS SkyBlue |  AAFES Military Star | |
|---|---|---|---|---|
| Annual fee | $0 | $0Same | $0Same | $0Same |
| Signup bonus | None | $100 | 10,000 pts | None |
| Top rate | 2×All Other | 5×5 categories | 2×Streaming Services, Ridesharing | 2×All Other |
| Travel value * | –U.S. Bank Smartly Cashback | –Cash back | 1.53¢SKYPASS Miles | –Cash back |
| Why it’s here | This card | Also no annual fee | Also no annual fee | Also no annual fee |
Video and discussion
Nothing plays until you press play.
Points hold a value of 1 cent each when redeemed for travel, charitable contributions, or as cash back deposited into a qualifying U.S. Bank account. However, if you choose to redeem them as a statement credit, their value decreases to 0.8 cents per point.
* Point valuations are RICH with POINTS™ editorial estimates, averaged from published valuations by The Points Guy, Upgraded Points, and Frequent Miler. They are not issuer figures and do not represent guaranteed redemption value.
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