U.S. Bank Smartly Visa Signature

U.S. Bank · Credit card · Cash back

4.0 Debt Sunset rating vs. other cash back cards

Flat 2% cash back that climbs higher for U.S. Bank Smartly Savings customers, with 12 billing cycles of 0%.

Rates, fees and offers

Regular APR: Variable APR; see U.S. Bank's rates and terms.
Annual fee: $0
Promo offers: 0% intro APR on purchases and balance transfers for the first 12 billing cycles.
Balance transfer fee: See issuer terms
Rewards: Unlimited 2% cash back on every purchase; up to 4% on the first $10,000 each billing cycle when paired with a U.S. Bank Smartly Savings balance.

Checked September 26, 2026. Offers and rates change often, and your APR depends on your credit. See the issuer’s current terms ↗

Notes

The boosted rates depend on keeping balances with U.S. Bank.

Paying and contacting U.S. Bank

Customer service: 1-800-285-8585 · 24 hours (24-Hour Cardmember Service)
Pay by mail: Cardmember Service
P.O. Box 790408
St. Louis, MO 63179-0408

Overnight:
3180 Rider Trail S
Attn: 790408
Earth City, MO 63045

Always check this against the payment address on your own statement: issuers use different addresses by region and product, and a payment mailed to the wrong address can arrive late.
Billing disputes: Cardmember Service
P.O. Box 6335
Fargo, ND 58125-6335

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