{
  "id": 2608289,
  "title": "U.S. Bank Smartly Visa Signature Card review: Earn 2% cash back or more on every purchase",
  "url": "https://urgent.news/2026/08/21/u-s-bank-smartly-visa-signature-card-review-earn-2-cash-back-or-more",
  "topic": "finance",
  "section": "Finance & Markets",
  "published": "2026-08-21T18:25:36.000Z",
  "source": {
    "name": "Yahoo Finance",
    "slug": "yahoo-finance",
    "url": "https://finance.yahoo.com/personal-finance/credit-cards/review/us-bank-smartly-visa-signature-card-182536863.html"
  },
  "original_language": "en",
  "account": "The U.S. Bank Smartly Visa Signature Card offers a straightforward way to earn cash back on purchases. Cardholders receive a flat 2% cash back on every purchase, with no caps or categories to track. If you have a qualifying U.S. Bank account, such as a Smartly Savings or Smartly Checking account, you can earn up to double the cash back on eligible spending. With a qualifying balance between $10,000 and $49,999, you can earn 4% cash back, increasing to 3% with a balance between $50,000 and $99,999, and 4% with a balance of $100,000 or more. The card also has a list of exclusions for the Smartly Earning Bonus, including education and insurance purchases. Cash back rewards can be redeemed as a deposit into a U.S. Bank account or as a statement credit. The card comes with no annual fee, making it an attractive option for those seeking simple, high-reward cash back. However, cardholders must maintain an active account to avoid rewards expiration. While the U.S. Bank Smartly Visa Signature does not offer a welcome bonus or travel perks, it can be a valuable addition to a wallet seeking straightforward, high-reward cash back options.",
  "summary": null,
  "key_points": [],
  "editors_take": null,
  "illustration": null,
  "coverage": {
    "outlets": 1,
    "also_reported_by": []
  },
  "ai_generated": true,
  "disclaimer": "Summaries, key points and the editor’s take are written by software from other outlets’ reporting and may contain errors — always check the linked original."
}