Features

Earn up to 4% cash back on every purchase: unlimited 2% cash back on every purchase + up to an additional 2% cash back when paired with a U.S. Bank Smartly Savings account depending on account balance.

$0 annual fee

Earn a total of 2.5%: Includes a 25% Smartly Earning Bonus with a qualifying balance between $5,000 to $49,999.

Earn a total of 3%: Includes a 50% Smartly Earning Bonus with a qualifying balance between $50,000 to $99,999.

Earn a total of 4%: Includes a 100% Smartly Earning Bonus with a qualifying balance of $100,000 or more.