U.S. Bank Smartly™ Visa Signature® Card Review
2024.11 Update: This card is now live!
Contents
Application Link
Benefits
- Unlimited 2% cash back on every purchase + up to an additional 2% cash back when paired with a US Bank savings account or investment account, no cap:
- Earn a total of 2.5% cashback with a qualifying balance of $5,000 – $49,000;
- Earn a total of 3% cashback with a qualifying balance of $50,000 – $99,000;
- Earn a total of 4% cashback with a qualifying balance of $100,000 or more.
- US Bank Smartly Savings currently (2024.9) has an APY 4.10% (if your balance is $25,000 or more), which is quite competitive among savings accounts. US Bank Self-Directed Investing has an annual fee of $50, it has 100 free trades per year, therefore if you just invest in VOO and never trade again then there’s not much cost.
- No annual fee.
Disadvantages
- No welcome offer.
- It has foreign transaction fee, so it's not a good choice outside the US.
Recommended Application Time
- We recommend you apply for this card after you have a credit history of at least two years and you are very comfortable with the credit card game.
Summary
If the 4% cashback is unlimited, or the limit is huge, then obviously this is a fantastic card for big spenders.
After Applying
- To check the application status, you can visit this webpage or call (800) 947-1444. If you see the 7-10 days message, it just means they will do a manual review and the outcome could be either approved or denied.
- US Bank reconsideration line: (800) 947-1444.
Historical Offers Chart
Application Link
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