| Category | Rate | Type | Cap |
|---|---|---|---|
|
Hotels and Car Rentals via Travel Center
Earn 4 additional Points per $1 (on top of the base 2 Points) on prepaid hotel and car rental reservations made directly on the U.S. Bank Travel Center website; total is up to 6 Points per $1 at base rate (higher with Smartly Earning Bonus).
|
6x | Points | No cap |
|
All Eligible Purchases (Smartly Earning Bonus — Tier 3)
Total of 4 Points per $1 (2 base + 2 bonus) for cardholders with a qualifying balance of $100,000 or more in eligible U.S. Bank Smartly® Checking and/or Safe Debit accounts; applies to the first $10,000 in eligible net purchases per billing cycle.
|
4x | Points | No cap |
|
All Eligible Purchases (Smartly Earning Bonus — Tier 2)
Total of 3 Points per $1 (2 base + 1 bonus) for cardholders with a qualifying balance of $50,000–$99,999.99 in eligible U.S. Bank Smartly® Checking and/or Safe Debit accounts; applies to the first $10,000 in eligible net purchases per billing cycle.
|
3x | Points | No cap |
|
All Eligible Purchases (Smartly Earning Bonus — Tier 1)
Total of 2.5 Points per $1 (2 base + 0.5 bonus) on eligible net purchases for cardholders with a U.S. Bank Smartly® Savings account and a qualifying balance in U.S. Bank Smartly® Checking and/or Safe Debit account(s); applies to the first $10,000 in eligible net purchases per billing cycle.
|
2.5x | Points | No cap |
|
All Eligible Purchases (Base Rate)
Unlimited 2 Points per $1 on all eligible net purchases; excludes education/school, gift cards, insurance, taxes, business-to-business transactions, and third-party bill payment services from bonus earning.
|
2x | Points | No cap |
| Benefit | Category | Value / Coverage |
|---|---|---|
|
0% Intro APR on Purchases and Balance Transfers
Eligible new cardholders receive a 0% introductory APR on purchases and balance transfers for 12 months from account opening; after the intro period, the standard variable APR applies; a balance transfer fee applies.
|
Financial | 0% APR for 12 months |
|
No Annual Fee
The U.S. Bank Smartly™ Visa Signature® Card carries no annual fee for the life of the account.
|
Financial |
$0
Up to $0
|
|
No Foreign Transaction Fee
U.S. Bank charges no foreign transaction fee on international purchases made with the U.S. Bank Smartly™ Visa Signature® Card, making it suitable for use when traveling abroad.
|
Financial |
$0
Up to $0
|
|
No-Fee ExtendPay Plan for First 60 Days
New cardmembers can open U.S. Bank ExtendPay® Plans on eligible purchases made within the first 60 days from account opening with no monthly ExtendPay fee; after the promotional period, a fixed monthly fee applies for ExtendPay plans.
|
Financial | $0 ExtendPay fee for first 60 days |
|
Auto Rental Collision Damage Waiver
Provides collision and damage coverage for rental vehicles when the rental is charged to the card and the cardholder declines the rental company's own coverage; coverage is secondary to personal auto insurance.
|
Insurance | Complimentary |
|
Cell Phone Protection
When the monthly wireless bill is paid with this card, cardholders receive coverage of up to $600 per claim against cell phone damage or theft, with a $25 deductible; subject to applicable terms and conditions.
|
Insurance |
Up to $600 per claim
Up to $600
|
|
Extended Warranty Protection
Extends the original manufacturer's warranty by up to one additional year on eligible purchases of five years or less made with the card; provides repair or replacement for covered items.
|
Insurance | Up to 1 additional year |
|
Purchase Security
Covers eligible new purchases made with the card against damage or theft for a period after purchase; provides repair, replacement, or reimbursement for covered items up to applicable limits per the Visa Signature Guide to Benefits.
|
Insurance | Complimentary |
|
Visa Signature Concierge Service
Cardholders have 24/7 access to a complimentary Visa Signature Concierge who can assist with travel bookings, restaurant reservations, event tickets, and other personal assistance requests.
|
Lifestyle | Complimentary |
|
Visa Signature Luxury Hotel Collection
Access to the Visa Signature Luxury Hotel Collection, offering benefits at select properties including best available rate guarantee, room upgrades when available, complimentary in-room Wi-Fi, and late checkout; bookings must be made through the Visa concierge or portal.
|
Lifestyle | Complimentary |
|
2% Base Cash Back on All Eligible Purchases
Earn unlimited 2 Points per $1 on all eligible net purchases with no category restrictions; certain purchase types including education, gift cards, insurance, taxes, business-to-business transactions, and third-party bill payment services earn the base rate only and are ineligible for the Smartly Earning Bonus.
|
Rewards | 2% (unlimited) |
|
4 Additional Points on Travel Center Hotel and Car Bookings
Earn 4 additional Points per $1 on prepaid hotel and car rental reservations made directly on the U.S. Bank Travel Center website, in addition to the base and any Smartly Earning Bonus points; total base rate earnings on these purchases can reach 6 Points per $1.
|
Rewards | +4 Points per $1 via Travel Center |
|
Smartly Earning Bonus — Tier 1 (2.5%)
Earn a total of 2.5 Points per $1 (2 base + 0.5 bonus) on eligible net purchases when combined with a U.S. Bank Smartly® Savings account and a qualifying balance in U.S. Bank Smartly® Checking and/or Safe Debit accounts; bonus applies to the first $10,000 in eligible purchases per billing cycle.
|
Rewards | 2.5% on first $10,000/billing cycle |
|
Smartly Earning Bonus — Tier 2 (3%)
Earn a total of 3 Points per $1 (2 base + 1 bonus) on eligible net purchases when qualifying balances in U.S. Bank Smartly® Checking and/or Safe Debit accounts total $50,000–$99,999.99; bonus applies to the first $10,000 in eligible purchases per billing cycle.
|
Rewards | 3% on first $10,000/billing cycle |
|
Smartly Earning Bonus — Tier 3 (4%)
Earn a total of 4 Points per $1 (2 base + 2 bonus) on eligible net purchases when qualifying balances in U.S. Bank Smartly® Checking and/or Safe Debit accounts total $100,000 or more; bonus applies to the first $10,000 in eligible purchases per billing cycle.
|
Rewards | 4% on first $10,000/billing cycle |
|
Zero Liability Protection
Cardholders are not held responsible for unauthorized purchases made with their Visa card when reported promptly, subject to Visa's Zero Liability policy terms and conditions.
|
Security |
$0 liability
Up to $0
|
|
Lost Luggage Reimbursement
Provides reimbursement for lost, damaged, or stolen baggage when the common carrier ticket is purchased with the card; secondary to any coverage provided by the carrier.
|
Travel | Complimentary |
|
Travel Accident Insurance
Provides accidental death and dismemberment coverage for the cardholder and immediate family members when common carrier travel tickets are purchased with the card.
|
Travel | Complimentary |
