See if you're pre-approved for the Smartly card without affecting your credit score.
These cash back rates can be obtained when rewards are redeemed into an eligible U.S. Bank deposit account.2
Plus, if you have a U.S. Bank Smartly® Savings account and average daily combined qualifying balances in U.S. Bank deposit, trust or investment accounts, you can earn more:1
Includes a 25% Smartly Earning Bonus with a qualifying balance between $5,000 -to $49,999.
Includes a 50% Smartly Earning Bonus with a qualifying balance between $50,000 -to $99,999.
Includes a 100% Smartly Earning Bonus with a qualifying balance of $100,000 or more.
Enter your estimated monthly spend below and your potential rewards will be calculated automatically.
Earn even more cash back when making purchases at over 1,100 online stores through the Rewards Center Shopping Deals.
Get your cash back directly deposited into your U.S. Bank checking or savings account, as a statement credit, a rewards card, merchant gift cards and more.2
Receive a new cardmember $0 fee offer on ExtendPay Plans opened in the first 60 days after account opening.4
In general, our credit card products are for customers with a credit score in the good to excellent range. We also offer several secured credit card products which are designed for people looking to build or rebuild their credit with responsible use.
Combined qualifying balances with U.S. Bank in open consumer checking account(s), money market savings account(s), savings account(s), CDs and/or IRAs, U.S. Bancorp Investments and personal trust account(s) are eligible for the Smartly Earning Bonus. Note: Balances in business accounts, commercial accounts, and the Trustee only (IFI) client relationship do not qualify.
Combined Balances are based on the average daily balance of the previous 3 months (calculated monthly) (or, for account(s) open less than 3 months, the average daily balance of the applicable time frame). The applicable Smartly Earning Bonus will be determined by reviewing the Combined Balances in the qualifying accounts of each Cardmember (if there is more than one) and using the total Combined Balances of the individual whose accounts have the highest total.
If a U.S. Bank Smartly Card account has an Authorized User(s), the U.S. Bank balances of the Authorized User(s) will not be reviewed and will not qualify for determining the Smartly Earning Bonus. The Smartly Earning Bonus that will be applied to your Account is determined within the first 5 days of each month, which means that the bonus applied to your Account may vary during a billing cycle.
See disclosure #1 below for more information on how we calculate combined qualifying balances.
A Bank Smartly Savings account is a relationship savings account with competitive rates that grow as your balances grow.
The monthly maintenance fee is $5 and is waived if an account owner is the owner of a qualifying product (Bank Smartly Checking account, Safe Debit account, or Bank Smartly Visa Card), or if one of the account owners is a minor (age 17 or younger).
The minimum balance for opening a Bank Smartly Savings account is $25.
U.S. Bank ExtendPay® Plans provide a payment option that allows you to divide eligible credit card purchases into affordable monthly payments with no interest – just a fixed monthly fee.
If your credit card account is eligible for a U.S. Bank ExtendPay® Plan, you’ll receive a notification via email, or you’ll see ExtendPay Plan options when viewing your card account details or eligible transactions online. The only purchases eligible for an ExtendPay Plan are those that were made within 60 days prior to signing up for ExtendPay, are over $100, and are less than your purchase balance when you sign up for ExtendPay.
ExtendPay Plan eligibility may change based on your credit card account activity.