- Sign-Up Bonus
- 0
- Spending Multipliers
- 3.5
- Credits & Features
- 2.5
- Fees
- 4.5
- Application
- 3
- Issuer
- NaN
Summary
- Sign-Up Bonus
- 0
- Spending Multipliers
- 3.5
- Credits & Features
- 2.5
- Fees
- 4.5
- Application
- 3
- Issuer
- NaN
The US Bank Smartly Card is a flexible cash-back credit card designed for consumers who want a simple, no-annual-fee rewards structure with the potential to earn elevated cash back through a qualifying US Bank deposit account. Cardholders earn a base 2% on all purchases, with the opportunity to increase rewards to 2.5%, 3%, or even 4% depending on their deposit balance, making it ideal for savers who maintain significant funds in a US Bank account. Additional perks include up to 2% extra cash back on purchases for eligible account holders, providing a boost for those maximizing their rewards. However, the card has no welcome bonus, carries a 3% foreign transaction fee, and the highest cash-back tiers require substantial account balances ($50,000–$100,000+), which may limit appeal for some users. Overall, the US Bank Smartly Card benefits financially disciplined consumers who value steady flat-rate cash back and are able to leverage US Bank deposit balances for maximum rewards, while less suitable for frequent international travelers or those seeking upfront bonus incentives.
Pros
Cons
Issuer
Spending Multipliers
Credits & Features
Application
- Consider having at least a credit history for 2 years
Fees
- No Annual Fee
- 3% Foreign Transaction Fee
- Up to $41 late fee
- Up to $41 return payment fee
- 17.74% - 27.99% Variable APR
- 30.49% APR for Cash Advance
- $10 or 5% of each cash advance amount (whichever is greater)
- 17.74% - 27.99% APR for Balance Transfer
- $5 or 5% of each transfer amount (whichever is greater)