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The U.S. Bank Smartly™ Visa Signature® Card makes it easy to maximize every purchase with 2% cash back. But if you have an existing U.S. Bank account with a qualifying balance, you can get even more: up to double the cash back on your spending.
Earning rewards with this card is easy. You'll get a flat 2% cash back on every purchase. There's no cap, and you don't need to track spending categories or purchases.
The best way to earn rewards with this card, though, is by qualifying for the Smartly Earning Bonus. You can get up to 4% cash back on spending if you already have or open a U.S. Bank Smartly Savings account and you have a qualifying balance in a U.S. Bank Smartly Checking account or Safe Debit account.
Here's how much you'll earn with varying qualifying balances:
2.5% cash back with a qualifying balance between $10,000 and $49,999
3% cash back with a qualifying balance between $50,000 and $99,999
4% cash back with a qualifying balance of $100,000 or more
You'll earn the bonus rewards you qualify for on up to $10,000 in purchases each billing cycle. If you spend more than that per month, everything else still earns 2% cash back.
Some purchases are also excluded from the Smartly Earning Bonus, though they will still earn the standard 2% cash back. Exclusions include education/school, gift cards, insurance, taxes, business-to-business transactions, such as advertising services (even if the purchase isn't for a business purpose), and transactions that use a third-party bill payment service.
You can redeem your cash back for full value as a deposit into a U.S. Bank account or as a statement credit to your card account.
Your rewards won't expire as long as your account is active. That means you must have at least one purchase, reward, or balance activity on your account every 12 billing cycles.
The U.S. Bank Smartly Visa Signature is an easy pick for U.S. Bank customers with high enough balances to qualify for the Smartly Earning Bonus.
Most flat cash-back cards cap rewards at 2%. If you can earn even the lowest bonus rate (2.5% cash back with a qualifying balance between $10,000 and $49,999) your cash back earnings will multiply by a lot over time.
For example, say you spend about $20,000 each year on various purchases made with your card. Here's how your rewards would grow as you qualify for different Smartly Earning Bonus tiers:
