USES

Smartly™ Visa Signature® from US bank Review

Smartly™ Visa Signature® from US bank — all information about the credit card.

Updated March 28, 2025
Advertiser Disclosure Our Methodology
U.S. Bank Smartly™ Visa Signature® Card
Apply now
Our Rating:
5 out of 5
scorer
Recommended credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 2% Cash Back on every purchase ( up to 2.5%, 3% and even 4% back for holders who meet certain balance requirements).
  • Intro Offer:
    • No current offer.
  • Annual Fee:
    $0
  • Purchase Intro APR:
    0% Introductory APR for the first 12 billing cycles
  • Regular APR:
    18.49% - 28.74% Variable
  • Balance Transfer APR:
    18.49% - 28.74% Variable
Show more

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US bank Smartly™ Visa Signature® Rewards Calculator

How do you record your expenses?
Enter your monthly spendings on:
2%
All purchases
$
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All benefits

  • Cash back
    • 2% On every purchase ( up to 2.5%, 3% and even 4% back for holders who meet certain balance requirements).

Rate and fee information

  • Purchase Intro APR
    • 0% Introductory APR for the first 12 billing cycles
  • Purchase APR
    • 18.49% - 28.74% Variable
  • Intro Balance Transfer APR
    • 0% Introductory APR for the first 12 billing cycles for balances transferred within 60 days from account opening
  • Balance Transfers APR
    • 18.49% - 28.74% Variable
  • APR for Cash Advances
    • 31.24% Variable
  • How to Avoid Paying Interest
    • Your due date is 24 – 30 days after the close of each billing cycle. You will not be charged interest on new Purchases if you pay your entire balance, or Plan Adjusted Balance if you have any Fixed Payment Program balance(s), in full by the due date each month.

Fees

  • Annual Fee
    • $0
  • Fees for Balance Transfer
    • Either 3% of the amount of each transfer or $5 minimum, whichever is greater
  • Fees for Cash Advances
    • Either 5% of the amount of each advance or $10 minimum, whichever is greater
  • Return Payment
    • Up to $41
  • Late Payment
    • Up to $41
View all Rates & Fees

Pros & Cons

Pros:
  • No Annual Fee
  • Intro APR period
  • High rewards rate
Cons:
  • No welcome offer
  • Foreign Transaction Fee

Features

Classic
Visa
Contactless
  • 0% Intro APR
  • Low interest
  • No Annual Fee
  • Cashback
  • Payment Flexibility
  • Rewards
  • Good Credit
  • Excellent Credit

About the issuer

US bank
US bank has several card types depending on your needs.
Manage your Account & Pay your Bill
You can usually pay your bill online on your

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See Another Credit Cards in the Bank

US bank Smartly™ Visa Signature® is an option for those, who need Classic features. With an APR of 18.49% - 28.74% and $0 annual fee this credit card can easily cover your simple everyday demands. For high approval odds you need to have Good to Excellent (670-799) credit score. With US bank Smartly™ Visa Signature® you will get such features as 0% Intro APR, Low interest, No Annual Fee, etc. To make sure about either this credit card is good for you or not compare it with other cards with similar features.

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