How this card earns
- 2 percent cash back:
Everyday purchases
All purchases
With Smartly Savings and qualifying Smartly Checking/Safe Debit balances: 2.5% at $10,000–$49,999.99; 3% at $50,000–$99,999.99; 4% at $100,000+. Otherwise 2%. Bonus excludes education, gift cards, insurance, tax, B2B and third-party bill payments; those earn 2%.
Protections and other benefits
5 benefits
- Rewards RedemptionRedeem points as U.S. Bank deposits or statement credits; points expire after 12 statement cycles without reward, purchase or balance activity.
- Cash-back DealsActivate personalized merchant offers in the U.S. Bank app or online banking to receive additional cash back.
- Roadside DispatchRequest roadside dispatch; service costs and program terms apply.
- Travel and Emergency AssistanceAccess travel and emergency assistance services, subject to program terms.
- GigSky Mobile DataAccess complimentary GigSky mobile data plans, subject to the provider program terms.
Keep all your cards in one place.
The cards that do have credits get lined up by the day they end.
- Sources
- usbank.com, cnbc.com
- Last checked
- October 8, 2026
- Foreign transaction fee
- 3%
Card terms can change. The issuer’s current terms control. Credit amounts show the most a credit is worth, not guaranteed savings. How card facts are sourced