What is the annual fee for the U.S. Bank Smartly?

The U.S. Bank Smartly has no annual fee.

What is the best category to use the U.S. Bank Smartly for?

The U.S. Bank Smartly earns 2x on All Purchases, making it the strongest earning category for this card.

Does the U.S. Bank Smartly charge foreign transaction fees?

Yes, the U.S. Bank Smartly charges a 3% foreign transaction fee on purchases made outside the United States.

U.S. Bank Cash Rewards Visa

U.S. Bank Smartly

Issued by U.S. Bank

Annual Fee

Base Rate

All Purchases

Track U.S. Bank Smartly Free View on Issuer Site

Earning Categories

All Purchases

Maximize Your U.S. Bank Cash Rewards Points

Program Overview

U.S. Bank Cash Rewards is the cashback program for U.S. Bank cashback credit cards. Points redeem at 1¢ per point as statement credit. The Altitude Go (now called the Altitude Go Visa Signature) earns 4x on dining, 2x on groceries, gas, and streaming, making it a strong no-annual-fee cashback card. The Cash+ Visa Signature allows users to choose two 5% cashback categories (up to $2,000/quarter) and one 2% category. Best for: cardholders who want category-specific cashback, particularly strong dining earners or those who want flexible 5% categories via Cash+.

Earning Tips

U.S. Bank card stack: Altitude Go Visa Signature (no AF): - 4x on dining, takeout, delivery - 2x on groceries, gas, streaming - 1x everything else - Best no-fee dining card in its class Cash+ Visa Signature (no AF): - 5x on two categories you choose each quarter (up to $2,000/quarter combined) - 5% categories include fast food, home utilities, cell phone providers, select travel, sporting goods, department stores, furniture, movie theaters, gym/fitness clubs, ground transportation - 2x on one everyday category you choose (restaurants, gas, or groceries) - 1x everything else Strategy: - Use Cash+ for your top two spending categories at 5% - Use Altitude Go for dining if dining isn't one of your Cash+ picks - Stack with a flat-rate card (e.g., Active Cash or Double Cash) for all other purchases

Redemption Tips

All U.S. Bank cash rewards redeem at 1¢/point (statement credit, checking account deposit, or Real-Time Rewards on eligible purchases). No optimization needed. Statement credit is the simplest redemption. Rewards never expire as long as the account is open and in good standing.