{"data":{"path":"u-s-bank/smartly-visa-signature-card","artwork":{"path":"u-s-bank/smartly-visa-signature-card","url":"/v1/product-artwork/u-s-bank/smartly-visa-signature-card/46d8ac9dc16792758fe20effa7a89f4846dcd58d8aeead26c1ea2ac8e03c03d1.webp","sha256":"46d8ac9dc16792758fe20effa7a89f4846dcd58d8aeead26c1ea2ac8e03c03d1","width":85,"height":160,"sourceUrl":"https://www.usbank.com/content/dam/usbank/en/images/illustrations/card-art/credit-cards/photo-smartly-visa-angle-left.png","sourcePageUrl":"https://www.usbank.com/credit-cards/offers/bank-smartly-visa-signature-credit-card.html","capturedAt":"2026-10-15T09:52:16.932Z"},"name":"Smartly Visa Signature Card","officialName":"U.S. Bank Smartly™ Visa Signature® Card","type":"credit_card","audience":"consumer","lifecycleStatus":"active","owner":{"name":"U.S. Bank","handle":"u-s-bank"},"institution":{"name":"U.S. Bank","handle":"u-s-bank"},"actualIssuerName":null,"standardOffer":{"id":"3004","offerKind":"standard","channel":null,"nameAsFiled":"U.S. Bank Smartly™ Visa Signature® Card","handle":null,"terms":{"productId":"4188","path":"u-s-bank/smartly-visa-signature-card","name":"Smartly Visa Signature Card","officialName":"U.S. Bank Smartly™ Visa Signature® Card","aliases":[],"institutionId":"69568","institutionName":"U.S. Bank","institutionHandle":"u-s-bank","issuerName":null,"productType":"credit_card","audience":"consumer","audienceSegments":["consumer"],"lifecycleStatus":"active","offerKind":"standard","channel":null,"secured":null,"network":"visa","targetedCreditTier":null,"gracePeriodDays":null,"minimumFinanceChargeCents":null,"balanceComputationMethod":null,"periodicFeeFrequency":null,"periodicFeeCents":0,"periodicFeeMinCents":null,"periodicFeeMaxCents":null,"purchaseRegularAllBps":null,"purchaseRegularNoScoreBps":null,"purchaseRegularPoorBps":null,"purchaseRegularGoodBps":null,"purchaseRegularGreatBps":null,"purchaseRegularMinBps":null,"purchaseRegularMaxBps":null,"purchaseIntroAllBps":0,"purchaseIntroNoScoreBps":null,"purchaseIntroPoorBps":null,"purchaseIntroGoodBps":null,"purchaseIntroGreatBps":null,"purchaseIntroMinBps":0,"purchaseIntroMaxBps":0,"balanceTransferRegularAllBps":null,"balanceTransferRegularNoScoreBps":null,"balanceTransferRegularPoorBps":null,"balanceTransferRegularGoodBps":null,"balanceTransferRegularGreatBps":null,"balanceTransferRegularMinBps":null,"balanceTransferRegularMaxBps":null,"balanceTransferIntroAllBps":0,"balanceTransferIntroNoScoreBps":null,"balanceTransferIntroPoorBps":null,"balanceTransferIntroGoodBps":null,"balanceTransferIntroGreatBps":null,"balanceTransferIntroMinBps":0,"balanceTransferIntroMaxBps":0,"cashAdvanceRegularAllBps":null,"cashAdvanceRegularNoScoreBps":null,"cashAdvanceRegularPoorBps":null,"cashAdvanceRegularGoodBps":null,"cashAdvanceRegularGreatBps":null,"cashAdvanceRegularMinBps":null,"cashAdvanceRegularMaxBps":null,"penaltyRegularAllBps":null,"penaltyRegularNoScoreBps":null,"penaltyRegularPoorBps":null,"penaltyRegularGoodBps":null,"penaltyRegularGreatBps":null,"penaltyRegularMinBps":null,"penaltyRegularMaxBps":null,"purchaseIntroDurationMonths":null,"balanceTransferIntroDurationMonths":null,"purchaseIntroNullReason":null,"balanceTransferIntroNullReason":null,"purchaseRateType":null,"variableRateIndex":null,"annualFeeAmountCents":0,"annualFeePercentBps":null,"annualFeeMinimumCents":null,"annualFeeNullReason":"not_offered","purchaseTransactionFeeAmountCents":null,"purchaseTransactionFeePercentBps":null,"purchaseTransactionFeeMinimumCents":null,"purchaseTransactionFeeNullReason":"unknown","balanceTransferFeeAmountCents":null,"balanceTransferFeePercentBps":500,"balanceTransferFeeMinimumCents":500,"balanceTransferFeeNullReason":null,"cashAdvanceFeeAmountCents":null,"cashAdvanceFeePercentBps":null,"cashAdvanceFeeMinimumCents":null,"cashAdvanceFeeNullReason":"unknown","foreignTransactionFeeAmountCents":null,"foreignTransactionFeePercentBps":null,"foreignTransactionFeeMinimumCents":null,"foreignTransactionFeeNullReason":"unknown","latePaymentFeeAmountCents":null,"latePaymentFeePercentBps":null,"latePaymentFeeMinimumCents":null,"latePaymentFeeNullReason":"unknown","overLimitFeeAmountCents":null,"overLimitFeePercentBps":null,"overLimitFeeMinimumCents":null,"overLimitFeeNullReason":"unknown","returnedPaymentFeeAmountCents":null,"returnedPaymentFeePercentBps":null,"returnedPaymentFeeMinimumCents":null,"returnedPaymentFeeNullReason":"unknown","otherFeeAmountCents":null,"otherFeePercentBps":null,"otherFeeMinimumCents":null,"otherFeeNullReason":"unknown","lateRepeatFeeAmountCents":null,"availabilityScope":null,"availabilityStateCodes":[],"availabilityCountyScoped":null,"requirementsForOpening":null,"requirementRouteTypes":[],"featureTokens":[],"consumerWebsite":null,"consumerTelephone":null,"loanMinimumAmountCents":null,"loanMaximumAmountCents":null,"loanMinimumTermMonths":null,"loanMaximumTermMonths":null,"loanCollateralType":null,"loanRateMinBps":null,"loanRateMaxBps":null,"loanPrepaymentPenalty":null,"sourceKinds":["official_issuer"],"sourceDocumentPath":null,"sourceDocumentTitle":null,"sourceDocumentPage":null,"offerCount":1,"minPurchaseAprBps":null,"maxPurchaseAprBps":null,"freshness":"current"},"aprTerms":[{"effectiveFrom":"2026-10-15","effectiveTo":null,"lastObservedAt":"2026-10-15T06:43:54.937Z","sources":[{"snapshotId":"54930","sourceKind":"official_issuer","publisherName":"U.S. Bank National Association","capturedAt":"2026-10-15T06:43:54.937Z","effectiveOn":"2026-10-15","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://www.usbank.com/credit-cards/offers/bank-smartly-visa-signature-credit-card.html","passageId":"ff908e8f126069fa56ecc3914a896a2d","pageNumber":null,"quote":"The 0% introductory APR applies to purchases and is valid for the first 12 billing cycles. The 0% introductory APR applies to balance transfers made within 60 days of account opening and is valid for the first 12 billing cycles. The introductory rate does not apply to cash advances. Balance Transfer fee of 5% of each transfer amount, $5 minimum will apply. When you make a payment, the amount up t…","recordId":"official-issuer:page:url:e986d7c98b073bbc3ca4a5d97843ad8a312b700c97050732f89f4a677133c26e","recordFields":[],"fieldKey":"apr:balance_transfer:introductory:all:0"},{"snapshotId":"54930","sourceKind":"official_issuer","publisherName":"U.S. Bank National Association","capturedAt":"2026-10-15T06:43:54.937Z","effectiveOn":"2026-10-15","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.usbank.com/credit-cards/offers/bank-smartly-visa-signature-credit-card.html","passageId":"ff908e8f126069fa56ecc3914a896a2d","pageNumber":null,"quote":"The 0% introductory APR applies to purchases and is valid for the first 12 billing cycles. The 0% introductory APR applies to balance transfers made within 60 days of account opening and is valid for the first 12 billing cycles. The introductory rate does not apply to cash advances. Balance Transfer fee of 5% of each transfer amount, $5 minimum will apply. When you make a payment, the amount up t…","recordId":"official-issuer:page:url:e986d7c98b073bbc3ca4a5d97843ad8a312b700c97050732f89f4a677133c26e","recordFields":[],"fieldKey":"apr:balance_transfer:introductory:conditions"}],"purpose":"balance_transfer","phase":"introductory","creditTier":"all","balanceTier":0,"balanceFromCents":null,"balanceToCents":null,"rateType":null,"rateTypeNullReason":"not_disclosed","minimumBps":0,"minimumBpsNullReason":null,"medianBps":null,"medianBpsNullReason":"not_applicable","maximumBps":0,"maximumBpsNullReason":null,"indexName":null,"marginBps":null,"marginMinimumBps":null,"marginMinimumBpsNullReason":"not_disclosed","marginMaximumBps":null,"marginMaximumBpsNullReason":"not_disclosed","marginMaximumIsUpperBound":null,"dailyPeriodicRateMinimumPercent":null,"dailyPeriodicRateMinimumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumPercent":null,"dailyPeriodicRateMaximumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumIsUpperBound":null,"rateCapBps":null,"rateCapBpsNullReason":"not_disclosed","penaltyTriggers":null,"penaltyTriggerResolution":null,"penaltyDurationValue":null,"penaltyDurationUnit":null,"durationMonths":null,"durationDays":null,"durationBillingCycles":12,"durationBillingCyclesNullReason":null,"eligibilityConditions":"The 0% introductory APR applies to purchases and is valid for the first 12 billing cycles. The 0% introductory APR applies to balance transfers made within 60 days of account opening and is valid for the first 12 billing cycles. The introductory rate does not apply to cash advances. Balance Transfer fee of 5% of each transfer amount, $5 minimum will apply. When you make a payment, the amount up to your Minimum Payment is applied first to the monthly payment obligation for U.S. Bank ExtendPay® Plans and U.S. Bank ExtendPay® Loans if any, and then to non-Fixed Payment Program balances in the order of the lowest to highest APR.  Any amount over your Minimum Payment is applied to balances in the order of highest to lowest APR.","eligibilityConditionSources":[{"snapshotId":"54930","sourceKind":"official_issuer","publisherName":"U.S. Bank National Association","capturedAt":"2026-10-15T06:43:54.937Z","effectiveOn":"2026-10-15","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.usbank.com/credit-cards/offers/bank-smartly-visa-signature-credit-card.html","passageId":"ff908e8f126069fa56ecc3914a896a2d","pageNumber":null,"quote":"The 0% introductory APR applies to purchases and is valid for the first 12 billing cycles. The 0% introductory APR applies to balance transfers made within 60 days of account opening and is valid for the first 12 billing cycles. The introductory rate does not apply to cash advances. Balance Transfer fee of 5% of each transfer amount, $5 minimum will apply. When you make a payment, the amount up t…","recordId":"official-issuer:page:url:e986d7c98b073bbc3ca4a5d97843ad8a312b700c97050732f89f4a677133c26e","recordFields":[],"fieldKey":"apr:balance_transfer:introductory:conditions"}],"statistic":"point","metricSources":{"annual_apr":[{"snapshotId":"54930","sourceKind":"official_issuer","publisherName":"U.S. Bank National Association","capturedAt":"2026-10-15T06:43:54.937Z","effectiveOn":"2026-10-15","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://www.usbank.com/credit-cards/offers/bank-smartly-visa-signature-credit-card.html","passageId":"ff908e8f126069fa56ecc3914a896a2d","pageNumber":null,"quote":"The 0% introductory APR applies to purchases and is valid for the first 12 billing cycles. The 0% introductory APR applies to balance transfers made within 60 days of account opening and is valid for the first 12 billing cycles. The introductory rate does not apply to cash advances. Balance Transfer fee of 5% of each transfer amount, $5 minimum will apply. When you make a payment, the amount up t…","recordId":"official-issuer:page:url:e986d7c98b073bbc3ca4a5d97843ad8a312b700c97050732f89f4a677133c26e","recordFields":[],"fieldKey":"apr:balance_transfer:introductory:all:0"}],"daily_periodic_rate":[],"margin":[]}},{"effectiveFrom":"2026-10-15","effectiveTo":null,"lastObservedAt":"2026-10-15T06:43:54.937Z","sources":[{"snapshotId":"54930","sourceKind":"official_issuer","publisherName":"U.S. Bank National Association","capturedAt":"2026-10-15T06:43:54.937Z","effectiveOn":"2026-10-15","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://www.usbank.com/credit-cards/offers/bank-smartly-visa-signature-credit-card.html","passageId":"ff908e8f126069fa56ecc3914a896a2d","pageNumber":null,"quote":"The 0% introductory APR applies to purchases and is valid for the first 12 billing cycles. The 0% introductory APR applies to balance transfers made within 60 days of account opening and is valid for the first 12 billing cycles. The introductory rate does not apply to cash advances. Balance Transfer fee of 5% of each transfer amount, $5 minimum will apply. When you make a payment, the amount up t…","recordId":"official-issuer:page:url:e986d7c98b073bbc3ca4a5d97843ad8a312b700c97050732f89f4a677133c26e","recordFields":[],"fieldKey":"apr:purchase:introductory:all:0"},{"snapshotId":"54930","sourceKind":"official_issuer","publisherName":"U.S. Bank National Association","capturedAt":"2026-10-15T06:43:54.937Z","effectiveOn":"2026-10-15","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.usbank.com/credit-cards/offers/bank-smartly-visa-signature-credit-card.html","passageId":"ff908e8f126069fa56ecc3914a896a2d","pageNumber":null,"quote":"The 0% introductory APR applies to purchases and is valid for the first 12 billing cycles. The 0% introductory APR applies to balance transfers made within 60 days of account opening and is valid for the first 12 billing cycles. The introductory rate does not apply to cash advances. Balance Transfer fee of 5% of each transfer amount, $5 minimum will apply. When you make a payment, the amount up t…","recordId":"official-issuer:page:url:e986d7c98b073bbc3ca4a5d97843ad8a312b700c97050732f89f4a677133c26e","recordFields":[],"fieldKey":"apr:purchase:introductory:conditions"}],"purpose":"purchase","phase":"introductory","creditTier":"all","balanceTier":0,"balanceFromCents":null,"balanceToCents":null,"rateType":null,"rateTypeNullReason":"not_disclosed","minimumBps":0,"minimumBpsNullReason":null,"medianBps":null,"medianBpsNullReason":"not_applicable","maximumBps":0,"maximumBpsNullReason":null,"indexName":null,"marginBps":null,"marginMinimumBps":null,"marginMinimumBpsNullReason":"not_disclosed","marginMaximumBps":null,"marginMaximumBpsNullReason":"not_disclosed","marginMaximumIsUpperBound":null,"dailyPeriodicRateMinimumPercent":null,"dailyPeriodicRateMinimumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumPercent":null,"dailyPeriodicRateMaximumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumIsUpperBound":null,"rateCapBps":null,"rateCapBpsNullReason":"not_disclosed","penaltyTriggers":null,"penaltyTriggerResolution":null,"penaltyDurationValue":null,"penaltyDurationUnit":null,"durationMonths":null,"durationDays":null,"durationBillingCycles":12,"durationBillingCyclesNullReason":null,"eligibilityConditions":"The 0% introductory APR applies to purchases and is valid for the first 12 billing cycles. The 0% introductory APR applies to balance transfers made within 60 days of account opening and is valid for the first 12 billing cycles. The introductory rate does not apply to cash advances. Balance Transfer fee of 5% of each transfer amount, $5 minimum will apply. When you make a payment, the amount up to your Minimum Payment is applied first to the monthly payment obligation for U.S. Bank ExtendPay® Plans and U.S. Bank ExtendPay® Loans if any, and then to non-Fixed Payment Program balances in the order of the lowest to highest APR.  Any amount over your Minimum Payment is applied to balances in the order of highest to lowest APR.","eligibilityConditionSources":[{"snapshotId":"54930","sourceKind":"official_issuer","publisherName":"U.S. Bank National Association","capturedAt":"2026-10-15T06:43:54.937Z","effectiveOn":"2026-10-15","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.usbank.com/credit-cards/offers/bank-smartly-visa-signature-credit-card.html","passageId":"ff908e8f126069fa56ecc3914a896a2d","pageNumber":null,"quote":"The 0% introductory APR applies to purchases and is valid for the first 12 billing cycles. The 0% introductory APR applies to balance transfers made within 60 days of account opening and is valid for the first 12 billing cycles. The introductory rate does not apply to cash advances. Balance Transfer fee of 5% of each transfer amount, $5 minimum will apply. When you make a payment, the amount up t…","recordId":"official-issuer:page:url:e986d7c98b073bbc3ca4a5d97843ad8a312b700c97050732f89f4a677133c26e","recordFields":[],"fieldKey":"apr:purchase:introductory:conditions"}],"statistic":"point","metricSources":{"annual_apr":[{"snapshotId":"54930","sourceKind":"official_issuer","publisherName":"U.S. Bank National Association","capturedAt":"2026-10-15T06:43:54.937Z","effectiveOn":"2026-10-15","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://www.usbank.com/credit-cards/offers/bank-smartly-visa-signature-credit-card.html","passageId":"ff908e8f126069fa56ecc3914a896a2d","pageNumber":null,"quote":"The 0% introductory APR applies to purchases and is valid for the first 12 billing cycles. The 0% introductory APR applies to balance transfers made within 60 days of account opening and is valid for the first 12 billing cycles. The introductory rate does not apply to cash advances. Balance Transfer fee of 5% of each transfer amount, $5 minimum will apply. When you make a payment, the amount up t…","recordId":"official-issuer:page:url:e986d7c98b073bbc3ca4a5d97843ad8a312b700c97050732f89f4a677133c26e","recordFields":[],"fieldKey":"apr:purchase:introductory:all:0"}],"daily_periodic_rate":[],"margin":[]}}],"fees":[{"effectiveFrom":"2026-10-15","effectiveTo":null,"lastObservedAt":"2026-10-15T06:43:54.937Z","sources":[{"snapshotId":"54930","sourceKind":"official_issuer","publisherName":"U.S. Bank National Association","capturedAt":"2026-10-15T06:43:54.937Z","effectiveOn":"2026-10-15","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://www.usbank.com/credit-cards/offers/bank-smartly-visa-signature-credit-card.html","passageId":"f653d4ea5450b6941a423624a8ec1eb7","pageNumber":null,"quote":"$0 Annual Fee","recordId":"official-issuer:page:url:e986d7c98b073bbc3ca4a5d97843ad8a312b700c97050732f89f4a677133c26e","recordFields":[],"fieldKey":"annual_fee"}],"feeType":"annual","feeFrequency":"annual","sequence":1,"name":null,"currencyCode":"USD","amountCents":null,"amountNullReason":"not_offered","percentBps":null,"percentNullReason":"not_applicable","minimumAmountCents":null,"maximumAmountCents":null,"maximumPercentBps":null,"maximumPercentNullReason":"not_applicable","feeScope":"account","calculation":null,"explanation":"$0 Annual Fee"},{"effectiveFrom":"2026-10-15","effectiveTo":null,"lastObservedAt":"2026-10-15T06:43:54.937Z","sources":[{"snapshotId":"54930","sourceKind":"official_issuer","publisherName":"U.S. Bank National Association","capturedAt":"2026-10-15T06:43:54.937Z","effectiveOn":"2026-10-15","effectiveOnBasis":"page_capture","statistic":"range","documentPath":null,"documentTitle":null,"publicUrl":"https://www.usbank.com/credit-cards/offers/bank-smartly-visa-signature-credit-card.html","passageId":"ff908e8f126069fa56ecc3914a896a2d","pageNumber":null,"quote":"The 0% introductory APR applies to purchases and is valid for the first 12 billing cycles. The 0% introductory APR applies to balance transfers made within 60 days of account opening and is valid for the first 12 billing cycles. The introductory rate does not apply to cash advances. Balance Transfer fee of 5% of each transfer amount, $5 minimum will apply. When you make a payment, the amount up t…","recordId":"official-issuer:page:url:e986d7c98b073bbc3ca4a5d97843ad8a312b700c97050732f89f4a677133c26e","recordFields":[],"fieldKey":"fee:balance_transfer:1"}],"feeType":"balance_transfer","feeFrequency":"per_transaction","sequence":1,"name":null,"currencyCode":"USD","amountCents":null,"amountNullReason":"not_applicable","percentBps":500,"percentNullReason":null,"minimumAmountCents":500,"maximumAmountCents":null,"maximumPercentBps":null,"maximumPercentNullReason":"not_disclosed","feeScope":"account","calculation":"greater_of","explanation":"The 0% introductory APR applies to purchases and is valid for the first 12 billing cycles. The 0% introductory APR applies to balance transfers made within 60 days of account opening and is valid for the first 12 billing cycles. The introductory rate does not apply to cash advances. Balance Transfer fee of 5% of each transfer amount, $5 minimum will apply. When you make a payment, the amount up to your Minimum Payment is applied first to the monthly payment obligation for U.S. Bank ExtendPay® Plans and U.S. Bank ExtendPay® Loans if any, and then to non-Fixed Payment Program balances in the order of the lowest to highest APR.  Any amount over your Minimum Payment is applied to balances in the order of highest to lowest APR."}],"cardTerms":null,"partialCardNetwork":{"network":"visa","sources":[{"snapshotId":"54930","sourceKind":"official_issuer","publisherName":"U.S. Bank National Association","capturedAt":"2026-10-15T06:43:54.937Z","effectiveOn":"2026-10-15","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.usbank.com/credit-cards/offers/bank-smartly-visa-signature-credit-card.html","passageId":"f2d8412e8b9e000ade5ed4ba5deb427e","pageNumber":null,"quote":"U.S. Bank Smartly™ Visa Signature® Card","recordId":"official-issuer:page:url:e986d7c98b073bbc3ca4a5d97843ad8a312b700c97050732f89f4a677133c26e","recordFields":[],"fieldKey":"network"}]},"signupBonuses":[],"cardRewards":[{"effectiveFrom":"2026-10-15","effectiveTo":null,"lastObservedAt":"2026-10-15T06:43:54.937Z","sources":[{"snapshotId":"54930","sourceKind":"official_issuer","publisherName":"U.S. Bank National Association","capturedAt":"2026-10-15T06:43:54.937Z","effectiveOn":"2026-10-15","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.usbank.com/credit-cards/offers/bank-smartly-visa-signature-credit-card.html","passageId":"17d8cc69260557a2bc2acfb4ab95f89c","pageNumber":null,"quote":"Visa Signature® Card with 2 Points for every $1 spent in eligible Net Purchases (Purchases minus credits and returns).  You may earn additional Points for a Smartly Earning Bonus if you:","recordId":"official-issuer:page:url:e986d7c98b073bbc3ca4a5d97843ad8a312b700c97050732f89f4a677133c26e","recordFields":[],"fieldKey":"card_reward"},{"snapshotId":"54930","sourceKind":"official_issuer","publisherName":"U.S. Bank National Association","capturedAt":"2026-10-15T06:43:54.937Z","effectiveOn":"2026-10-15","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.usbank.com/credit-cards/offers/bank-smartly-visa-signature-credit-card.html","passageId":"93a85a160c3eeccd88ab8d64a0300fb4","pageNumber":null,"quote":"Not all transactions are considered to be Purchases and eligible to earn rewards, such as transactions posting as Convenience Checks; Balance Transfers; Advances (including ATM withdrawals, wire transfers, traveler's checks, money orders, foreign cash transactions, betting transactions, and lottery tickets); interest charges and fees; credit insurance premiums; and transactions to (i) fund certai…","recordId":"official-issuer:page:url:e986d7c98b073bbc3ca4a5d97843ad8a312b700c97050732f89f4a677133c26e","recordFields":[],"fieldKey":"card_reward:qualification:0"},{"snapshotId":"54930","sourceKind":"official_issuer","publisherName":"U.S. Bank National Association","capturedAt":"2026-10-15T06:43:54.937Z","effectiveOn":"2026-10-15","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.usbank.com/credit-cards/offers/bank-smartly-visa-signature-credit-card.html","passageId":"c94dbeeaa30f8db6236a26d96c8cfd3a","pageNumber":null,"quote":"Account must be open and in good standing (not past due or overlimit) on the closing date of the billing cycle to earn and redeem rewards and benefits. Upon approval, please refer to your Cardmember Agreement or Rewards Program Rules in the online Rewards Center by logging into usbank.com for additional information.","recordId":"official-issuer:page:url:e986d7c98b073bbc3ca4a5d97843ad8a312b700c97050732f89f4a677133c26e","recordFields":[],"fieldKey":"card_reward:qualification:1"},{"snapshotId":"54930","sourceKind":"official_issuer","publisherName":"U.S. Bank National Association","capturedAt":"2026-10-15T06:43:54.937Z","effectiveOn":"2026-10-15","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.usbank.com/credit-cards/offers/bank-smartly-visa-signature-credit-card.html","passageId":"a836f3c756f31152b92450d45205927b","pageNumber":null,"quote":"To redeem as Cash Back in the values noted in this advertisement, Points can be redeemed as a deposit into an eligible U.S. Bank deposit account or statement credit. Other redemptions, such as gift cards and travel, may be at a reduced redemption rate.","recordId":"official-issuer:page:url:e986d7c98b073bbc3ca4a5d97843ad8a312b700c97050732f89f4a677133c26e","recordFields":[],"fieldKey":"card_reward:qualification:2"},{"snapshotId":"54930","sourceKind":"official_issuer","publisherName":"U.S. Bank National Association","capturedAt":"2026-10-15T06:43:54.937Z","effectiveOn":"2026-10-15","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.usbank.com/credit-cards/offers/bank-smartly-visa-signature-credit-card.html","passageId":"567fa1c4ad7193f2957fdeea32c2bec2","pageNumber":null,"quote":"Points will expire if there is no reward, Purchase, or balance activity on your Card account for 12 consecutive statement cycles. If you make a Purchase return or otherwise receive credit on a Purchase transaction, Points will be deducted from your Points balance based on the Smartly Earning Bonus tier that applies to your card account when you make the return or receive the credit.","recordId":"official-issuer:page:url:e986d7c98b073bbc3ca4a5d97843ad8a312b700c97050732f89f4a677133c26e","recordFields":[],"fieldKey":"card_reward:qualification:3"}],"groupKey":"purchase-rewards","tierKey":"all-purchases-points","groupLabel":"Purchase rewards","pointsPerDollar":2,"merchantCategoryCodes":[],"merchantCategoryCodesNullReason":"not_disclosed","categoryComplement":false,"redemptionOptions":[],"minimumQualifyingPurchaseCents":null,"minimumPurchaseNullReason":"not_disclosed","maximumQualifyingPurchaseCents":null,"maximumPurchaseNullReason":"not_applicable","qualificationPeriod":null,"qualificationPeriodNullReason":"not_disclosed","pointsPostingMaximumDays":null,"pointsPostingNullReason":"not_disclosed","pointsExpirationYears":null,"pointsExpirationAnchor":null,"pointsExpirationPolicy":null,"pointsRedemptionDaysAfterClosure":null,"pointsRedemptionAfterClosureNullReason":"not_disclosed","pointsExpirationNullReason":"not_disclosed","redemptionOptionsNullReason":"not_disclosed","conditions":" Visa Signature® Card with 2 Points for every $1 spent in eligible Net Purchases (Purchases minus credits and returns).  You may earn additional Points for a Smartly Earning Bonus if you:","qualificationConditions":["Not all transactions are considered to be Purchases and eligible to earn rewards, such as transactions posting as Convenience Checks; Balance Transfers; Advances (including ATM withdrawals, wire transfers, traveler's checks, money orders, foreign cash transactions, betting transactions, and lottery tickets); interest charges and fees; credit insurance premiums; and transactions to (i) fund certain prepaid card products, (ii) buy currency from the U.S. Mint, or (iii) buy cash convertible items.","Account must be open and in good standing (not past due or overlimit) on the closing date of the billing cycle to earn and redeem rewards and benefits. Upon approval, please refer to your Cardmember Agreement or Rewards Program Rules in the online Rewards Center by logging into usbank.com for additional information.","\nTo redeem as Cash Back in the values noted in this advertisement, Points can be redeemed as a deposit into an eligible U.S. Bank deposit account or statement credit. Other redemptions, such as gift cards and travel, may be at a reduced redemption rate.","\nPoints will expire if there is no reward, Purchase, or balance activity on your Card account for 12 consecutive statement cycles. If you make a Purchase return or otherwise receive credit on a Purchase transaction, Points will be deducted from your Points balance based on the Smartly Earning Bonus tier that applies to your card account when you make the return or receive the credit."],"qualificationConditionSources":[{"snapshotId":"54930","sourceKind":"official_issuer","publisherName":"U.S. Bank National Association","capturedAt":"2026-10-15T06:43:54.937Z","effectiveOn":"2026-10-15","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.usbank.com/credit-cards/offers/bank-smartly-visa-signature-credit-card.html","passageId":"93a85a160c3eeccd88ab8d64a0300fb4","pageNumber":null,"quote":"Not all transactions are considered to be Purchases and eligible to earn rewards, such as transactions posting as Convenience Checks; Balance Transfers; Advances (including ATM withdrawals, wire transfers, traveler's checks, money orders, foreign cash transactions, betting transactions, and lottery tickets); interest charges and fees; credit insurance premiums; and transactions to (i) fund certai…","recordId":"official-issuer:page:url:e986d7c98b073bbc3ca4a5d97843ad8a312b700c97050732f89f4a677133c26e","recordFields":[],"fieldKey":"card_reward:qualification:0"},{"snapshotId":"54930","sourceKind":"official_issuer","publisherName":"U.S. Bank National Association","capturedAt":"2026-10-15T06:43:54.937Z","effectiveOn":"2026-10-15","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.usbank.com/credit-cards/offers/bank-smartly-visa-signature-credit-card.html","passageId":"c94dbeeaa30f8db6236a26d96c8cfd3a","pageNumber":null,"quote":"Account must be open and in good standing (not past due or overlimit) on the closing date of the billing cycle to earn and redeem rewards and benefits. Upon approval, please refer to your Cardmember Agreement or Rewards Program Rules in the online Rewards Center by logging into usbank.com for additional information.","recordId":"official-issuer:page:url:e986d7c98b073bbc3ca4a5d97843ad8a312b700c97050732f89f4a677133c26e","recordFields":[],"fieldKey":"card_reward:qualification:1"},{"snapshotId":"54930","sourceKind":"official_issuer","publisherName":"U.S. Bank National Association","capturedAt":"2026-10-15T06:43:54.937Z","effectiveOn":"2026-10-15","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.usbank.com/credit-cards/offers/bank-smartly-visa-signature-credit-card.html","passageId":"a836f3c756f31152b92450d45205927b","pageNumber":null,"quote":"To redeem as Cash Back in the values noted in this advertisement, Points can be redeemed as a deposit into an eligible U.S. Bank deposit account or statement credit. Other redemptions, such as gift cards and travel, may be at a reduced redemption rate.","recordId":"official-issuer:page:url:e986d7c98b073bbc3ca4a5d97843ad8a312b700c97050732f89f4a677133c26e","recordFields":[],"fieldKey":"card_reward:qualification:2"},{"snapshotId":"54930","sourceKind":"official_issuer","publisherName":"U.S. Bank National Association","capturedAt":"2026-10-15T06:43:54.937Z","effectiveOn":"2026-10-15","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.usbank.com/credit-cards/offers/bank-smartly-visa-signature-credit-card.html","passageId":"567fa1c4ad7193f2957fdeea32c2bec2","pageNumber":null,"quote":"Points will expire if there is no reward, Purchase, or balance activity on your Card account for 12 consecutive statement cycles. If you make a Purchase return or otherwise receive credit on a Purchase transaction, Points will be deducted from your Points balance based on the Smartly Earning Bonus tier that applies to your card account when you make the return or receive the credit.","recordId":"official-issuer:page:url:e986d7c98b073bbc3ca4a5d97843ad8a312b700c97050732f89f4a677133c26e","recordFields":[],"fieldKey":"card_reward:qualification:3"}]}],"cashBenefits":[{"effectiveFrom":"2026-10-15","effectiveTo":null,"lastObservedAt":"2026-10-15T06:43:54.937Z","sources":[{"snapshotId":"54930","sourceKind":"official_issuer","publisherName":"U.S. Bank National Association","capturedAt":"2026-10-15T06:43:54.937Z","effectiveOn":"2026-10-15","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.usbank.com/credit-cards/offers/bank-smartly-visa-signature-credit-card.html","passageId":"a69a6adcd475133a57a0c12228bc0e1a","pageNumber":null,"quote":"Earn unlimited 2% cash back on every purchase.","recordId":"official-issuer:page:url:e986d7c98b073bbc3ca4a5d97843ad8a312b700c97050732f89f4a677133c26e","recordFields":[],"fieldKey":"card_cash_benefit"},{"snapshotId":"54930","sourceKind":"official_issuer","publisherName":"U.S. Bank National Association","capturedAt":"2026-10-15T06:43:54.937Z","effectiveOn":"2026-10-15","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.usbank.com/credit-cards/offers/bank-smartly-visa-signature-credit-card.html","passageId":"a836f3c756f31152b92450d45205927b","pageNumber":null,"quote":"To redeem as Cash Back in the values noted in this advertisement, Points can be redeemed as a deposit into an eligible U.S. Bank deposit account or statement credit. Other redemptions, such as gift cards and travel, may be at a reduced redemption rate.","recordId":"official-issuer:page:url:e986d7c98b073bbc3ca4a5d97843ad8a312b700c97050732f89f4a677133c26e","recordFields":[],"fieldKey":"card_cash_benefit:qualification"}],"benefitKey":"all-purchases","benefitKind":"cashback_earnings","percentBps":200,"percentNullReason":null,"maximumPercentBps":null,"maximumPercentNullReason":"not_applicable","amountCents":null,"amountNullReason":"not_applicable","amountIsUpperBound":false,"minimumQualifyingSpendCents":null,"minimumSpendNullReason":"not_applicable","qualifyingDaysAfterAccountOpening":null,"qualifyingDaysNullReason":"not_applicable","recurrenceMonths":null,"recurrenceMonthsNullReason":"not_applicable","recurrenceAnchor":null,"recurrenceAnchorNullReason":"not_applicable","payoutStatementCyclesMinimum":null,"payoutStatementCyclesMaximum":null,"payoutStatementCyclesNullReason":"not_applicable","conditions":"Earn unlimited 2% cash back on every purchase.","qualificationConditions":"\nTo redeem as Cash Back in the values noted in this advertisement, Points can be redeemed as a deposit into an eligible U.S. Bank deposit account or statement credit. Other redemptions, such as gift cards and travel, may be at a reduced redemption rate.","qualificationConditionSources":[{"snapshotId":"54930","sourceKind":"official_issuer","publisherName":"U.S. Bank National Association","capturedAt":"2026-10-15T06:43:54.937Z","effectiveOn":"2026-10-15","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.usbank.com/credit-cards/offers/bank-smartly-visa-signature-credit-card.html","passageId":"a836f3c756f31152b92450d45205927b","pageNumber":null,"quote":"To redeem as Cash Back in the values noted in this advertisement, Points can be redeemed as a deposit into an eligible U.S. Bank deposit account or statement credit. Other redemptions, such as gift cards and travel, may be at a reduced redemption rate.","recordId":"official-issuer:page:url:e986d7c98b073bbc3ca4a5d97843ad8a312b700c97050732f89f4a677133c26e","recordFields":[],"fieldKey":"card_cash_benefit:qualification"}]}],"cardLinks":[],"cardWithholdings":[{"observationKind":"card_reward","fieldKey":"held-168","reason":"unparsed_value","detail":"Additional balance-dependent earning tiers retained without guessing merchant codes or flattening the per-billing-cycle cap and qualifying-account rules.","sources":[{"snapshotId":"54930","sourceKind":"official_issuer","publisherName":"U.S. Bank National Association","capturedAt":"2026-10-15T06:43:54.937Z","effectiveOn":"2026-10-15","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.usbank.com/credit-cards/offers/bank-smartly-visa-signature-credit-card.html","passageId":"c0299f9f55742114cfef1602aa479614","pageNumber":null,"quote":"Not all Purchases are eligible to earn the Smartly Earning Bonus: Purchases classified as (1) education/school, gift cards (including discount gift card sites), insurance, or tax; (2) “business-to-business transactions” (transactions with merchants who are in the business of supplying goods and services to other businesses, such as advertising services, plumbing/heating suppliers, construction ma…","recordId":"official-issuer:page:url:e986d7c98b073bbc3ca4a5d97843ad8a312b700c97050732f89f4a677133c26e","recordFields":[],"fieldKey":"withheld:card_reward:held-168"}]}],"balanceTransferTerms":[],"loanTerms":null,"loanRateTiers":[],"rateDiscounts":[],"loanWithholdings":[]},"offers":[{"id":"3004","offerKind":"standard","channel":null,"nameAsFiled":"U.S. Bank Smartly™ Visa Signature® Card","handle":null,"terms":{"productId":"4188","path":"u-s-bank/smartly-visa-signature-card","name":"Smartly Visa Signature Card","officialName":"U.S. Bank Smartly™ Visa Signature® Card","aliases":[],"institutionId":"69568","institutionName":"U.S. Bank","institutionHandle":"u-s-bank","issuerName":null,"productType":"credit_card","audience":"consumer","audienceSegments":["consumer"],"lifecycleStatus":"active","offerKind":"standard","channel":null,"secured":null,"network":"visa","targetedCreditTier":null,"gracePeriodDays":null,"minimumFinanceChargeCents":null,"balanceComputationMethod":null,"periodicFeeFrequency":null,"periodicFeeCents":0,"periodicFeeMinCents":null,"periodicFeeMaxCents":null,"purchaseRegularAllBps":null,"purchaseRegularNoScoreBps":null,"purchaseRegularPoorBps":null,"purchaseRegularGoodBps":null,"purchaseRegularGreatBps":null,"purchaseRegularMinBps":null,"purchaseRegularMaxBps":null,"purchaseIntroAllBps":0,"purchaseIntroNoScoreBps":null,"purchaseIntroPoorBps":null,"purchaseIntroGoodBps":null,"purchaseIntroGreatBps":null,"purchaseIntroMinBps":0,"purchaseIntroMaxBps":0,"balanceTransferRegularAllBps":null,"balanceTransferRegularNoScoreBps":null,"balanceTransferRegularPoorBps":null,"balanceTransferRegularGoodBps":null,"balanceTransferRegularGreatBps":null,"balanceTransferRegularMinBps":null,"balanceTransferRegularMaxBps":null,"balanceTransferIntroAllBps":0,"balanceTransferIntroNoScoreBps":null,"balanceTransferIntroPoorBps":null,"balanceTransferIntroGoodBps":null,"balanceTransferIntroGreatBps":null,"balanceTransferIntroMinBps":0,"balanceTransferIntroMaxBps":0,"cashAdvanceRegularAllBps":null,"cashAdvanceRegularNoScoreBps":null,"cashAdvanceRegularPoorBps":null,"cashAdvanceRegularGoodBps":null,"cashAdvanceRegularGreatBps":null,"cashAdvanceRegularMinBps":null,"cashAdvanceRegularMaxBps":null,"penaltyRegularAllBps":null,"penaltyRegularNoScoreBps":null,"penaltyRegularPoorBps":null,"penaltyRegularGoodBps":null,"penaltyRegularGreatBps":null,"penaltyRegularMinBps":null,"penaltyRegularMaxBps":null,"purchaseIntroDurationMonths":null,"balanceTransferIntroDurationMonths":null,"purchaseIntroNullReason":null,"balanceTransferIntroNullReason":null,"purchaseRateType":null,"variableRateIndex":null,"annualFeeAmountCents":0,"annualFeePercentBps":null,"annualFeeMinimumCents":null,"annualFeeNullReason":"not_offered","purchaseTransactionFeeAmountCents":null,"purchaseTransactionFeePercentBps":null,"purchaseTransactionFeeMinimumCents":null,"purchaseTransactionFeeNullReason":"unknown","balanceTransferFeeAmountCents":null,"balanceTransferFeePercentBps":500,"balanceTransferFeeMinimumCents":500,"balanceTransferFeeNullReason":null,"cashAdvanceFeeAmountCents":null,"cashAdvanceFeePercentBps":null,"cashAdvanceFeeMinimumCents":null,"cashAdvanceFeeNullReason":"unknown","foreignTransactionFeeAmountCents":null,"foreignTransactionFeePercentBps":null,"foreignTransactionFeeMinimumCents":null,"foreignTransactionFeeNullReason":"unknown","latePaymentFeeAmountCents":null,"latePaymentFeePercentBps":null,"latePaymentFeeMinimumCents":null,"latePaymentFeeNullReason":"unknown","overLimitFeeAmountCents":null,"overLimitFeePercentBps":null,"overLimitFeeMinimumCents":null,"overLimitFeeNullReason":"unknown","returnedPaymentFeeAmountCents":null,"returnedPaymentFeePercentBps":null,"returnedPaymentFeeMinimumCents":null,"returnedPaymentFeeNullReason":"unknown","otherFeeAmountCents":null,"otherFeePercentBps":null,"otherFeeMinimumCents":null,"otherFeeNullReason":"unknown","lateRepeatFeeAmountCents":null,"availabilityScope":null,"availabilityStateCodes":[],"availabilityCountyScoped":null,"requirementsForOpening":null,"requirementRouteTypes":[],"featureTokens":[],"consumerWebsite":null,"consumerTelephone":null,"loanMinimumAmountCents":null,"loanMaximumAmountCents":null,"loanMinimumTermMonths":null,"loanMaximumTermMonths":null,"loanCollateralType":null,"loanRateMinBps":null,"loanRateMaxBps":null,"loanPrepaymentPenalty":null,"sourceKinds":["official_issuer"],"sourceDocumentPath":null,"sourceDocumentTitle":null,"sourceDocumentPage":null,"offerCount":1,"minPurchaseAprBps":null,"maxPurchaseAprBps":null,"freshness":"current"},"aprTerms":[{"effectiveFrom":"2026-10-15","effectiveTo":null,"lastObservedAt":"2026-10-15T06:43:54.937Z","sources":[{"snapshotId":"54930","sourceKind":"official_issuer","publisherName":"U.S. Bank National Association","capturedAt":"2026-10-15T06:43:54.937Z","effectiveOn":"2026-10-15","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://www.usbank.com/credit-cards/offers/bank-smartly-visa-signature-credit-card.html","passageId":"ff908e8f126069fa56ecc3914a896a2d","pageNumber":null,"quote":"The 0% introductory APR applies to purchases and is valid for the first 12 billing cycles. The 0% introductory APR applies to balance transfers made within 60 days of account opening and is valid for the first 12 billing cycles. The introductory rate does not apply to cash advances. Balance Transfer fee of 5% of each transfer amount, $5 minimum will apply. When you make a payment, the amount up t…","recordId":"official-issuer:page:url:e986d7c98b073bbc3ca4a5d97843ad8a312b700c97050732f89f4a677133c26e","recordFields":[],"fieldKey":"apr:balance_transfer:introductory:all:0"},{"snapshotId":"54930","sourceKind":"official_issuer","publisherName":"U.S. Bank National Association","capturedAt":"2026-10-15T06:43:54.937Z","effectiveOn":"2026-10-15","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.usbank.com/credit-cards/offers/bank-smartly-visa-signature-credit-card.html","passageId":"ff908e8f126069fa56ecc3914a896a2d","pageNumber":null,"quote":"The 0% introductory APR applies to purchases and is valid for the first 12 billing cycles. The 0% introductory APR applies to balance transfers made within 60 days of account opening and is valid for the first 12 billing cycles. The introductory rate does not apply to cash advances. Balance Transfer fee of 5% of each transfer amount, $5 minimum will apply. When you make a payment, the amount up t…","recordId":"official-issuer:page:url:e986d7c98b073bbc3ca4a5d97843ad8a312b700c97050732f89f4a677133c26e","recordFields":[],"fieldKey":"apr:balance_transfer:introductory:conditions"}],"purpose":"balance_transfer","phase":"introductory","creditTier":"all","balanceTier":0,"balanceFromCents":null,"balanceToCents":null,"rateType":null,"rateTypeNullReason":"not_disclosed","minimumBps":0,"minimumBpsNullReason":null,"medianBps":null,"medianBpsNullReason":"not_applicable","maximumBps":0,"maximumBpsNullReason":null,"indexName":null,"marginBps":null,"marginMinimumBps":null,"marginMinimumBpsNullReason":"not_disclosed","marginMaximumBps":null,"marginMaximumBpsNullReason":"not_disclosed","marginMaximumIsUpperBound":null,"dailyPeriodicRateMinimumPercent":null,"dailyPeriodicRateMinimumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumPercent":null,"dailyPeriodicRateMaximumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumIsUpperBound":null,"rateCapBps":null,"rateCapBpsNullReason":"not_disclosed","penaltyTriggers":null,"penaltyTriggerResolution":null,"penaltyDurationValue":null,"penaltyDurationUnit":null,"durationMonths":null,"durationDays":null,"durationBillingCycles":12,"durationBillingCyclesNullReason":null,"eligibilityConditions":"The 0% introductory APR applies to purchases and is valid for the first 12 billing cycles. The 0% introductory APR applies to balance transfers made within 60 days of account opening and is valid for the first 12 billing cycles. The introductory rate does not apply to cash advances. Balance Transfer fee of 5% of each transfer amount, $5 minimum will apply. When you make a payment, the amount up to your Minimum Payment is applied first to the monthly payment obligation for U.S. Bank ExtendPay® Plans and U.S. Bank ExtendPay® Loans if any, and then to non-Fixed Payment Program balances in the order of the lowest to highest APR.  Any amount over your Minimum Payment is applied to balances in the order of highest to lowest APR.","eligibilityConditionSources":[{"snapshotId":"54930","sourceKind":"official_issuer","publisherName":"U.S. Bank National Association","capturedAt":"2026-10-15T06:43:54.937Z","effectiveOn":"2026-10-15","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.usbank.com/credit-cards/offers/bank-smartly-visa-signature-credit-card.html","passageId":"ff908e8f126069fa56ecc3914a896a2d","pageNumber":null,"quote":"The 0% introductory APR applies to purchases and is valid for the first 12 billing cycles. The 0% introductory APR applies to balance transfers made within 60 days of account opening and is valid for the first 12 billing cycles. The introductory rate does not apply to cash advances. Balance Transfer fee of 5% of each transfer amount, $5 minimum will apply. When you make a payment, the amount up t…","recordId":"official-issuer:page:url:e986d7c98b073bbc3ca4a5d97843ad8a312b700c97050732f89f4a677133c26e","recordFields":[],"fieldKey":"apr:balance_transfer:introductory:conditions"}],"statistic":"point","metricSources":{"annual_apr":[{"snapshotId":"54930","sourceKind":"official_issuer","publisherName":"U.S. Bank National Association","capturedAt":"2026-10-15T06:43:54.937Z","effectiveOn":"2026-10-15","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://www.usbank.com/credit-cards/offers/bank-smartly-visa-signature-credit-card.html","passageId":"ff908e8f126069fa56ecc3914a896a2d","pageNumber":null,"quote":"The 0% introductory APR applies to purchases and is valid for the first 12 billing cycles. The 0% introductory APR applies to balance transfers made within 60 days of account opening and is valid for the first 12 billing cycles. The introductory rate does not apply to cash advances. Balance Transfer fee of 5% of each transfer amount, $5 minimum will apply. When you make a payment, the amount up t…","recordId":"official-issuer:page:url:e986d7c98b073bbc3ca4a5d97843ad8a312b700c97050732f89f4a677133c26e","recordFields":[],"fieldKey":"apr:balance_transfer:introductory:all:0"}],"daily_periodic_rate":[],"margin":[]}},{"effectiveFrom":"2026-10-15","effectiveTo":null,"lastObservedAt":"2026-10-15T06:43:54.937Z","sources":[{"snapshotId":"54930","sourceKind":"official_issuer","publisherName":"U.S. Bank National Association","capturedAt":"2026-10-15T06:43:54.937Z","effectiveOn":"2026-10-15","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://www.usbank.com/credit-cards/offers/bank-smartly-visa-signature-credit-card.html","passageId":"ff908e8f126069fa56ecc3914a896a2d","pageNumber":null,"quote":"The 0% introductory APR applies to purchases and is valid for the first 12 billing cycles. The 0% introductory APR applies to balance transfers made within 60 days of account opening and is valid for the first 12 billing cycles. The introductory rate does not apply to cash advances. Balance Transfer fee of 5% of each transfer amount, $5 minimum will apply. When you make a payment, the amount up t…","recordId":"official-issuer:page:url:e986d7c98b073bbc3ca4a5d97843ad8a312b700c97050732f89f4a677133c26e","recordFields":[],"fieldKey":"apr:purchase:introductory:all:0"},{"snapshotId":"54930","sourceKind":"official_issuer","publisherName":"U.S. Bank National Association","capturedAt":"2026-10-15T06:43:54.937Z","effectiveOn":"2026-10-15","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.usbank.com/credit-cards/offers/bank-smartly-visa-signature-credit-card.html","passageId":"ff908e8f126069fa56ecc3914a896a2d","pageNumber":null,"quote":"The 0% introductory APR applies to purchases and is valid for the first 12 billing cycles. The 0% introductory APR applies to balance transfers made within 60 days of account opening and is valid for the first 12 billing cycles. The introductory rate does not apply to cash advances. Balance Transfer fee of 5% of each transfer amount, $5 minimum will apply. When you make a payment, the amount up t…","recordId":"official-issuer:page:url:e986d7c98b073bbc3ca4a5d97843ad8a312b700c97050732f89f4a677133c26e","recordFields":[],"fieldKey":"apr:purchase:introductory:conditions"}],"purpose":"purchase","phase":"introductory","creditTier":"all","balanceTier":0,"balanceFromCents":null,"balanceToCents":null,"rateType":null,"rateTypeNullReason":"not_disclosed","minimumBps":0,"minimumBpsNullReason":null,"medianBps":null,"medianBpsNullReason":"not_applicable","maximumBps":0,"maximumBpsNullReason":null,"indexName":null,"marginBps":null,"marginMinimumBps":null,"marginMinimumBpsNullReason":"not_disclosed","marginMaximumBps":null,"marginMaximumBpsNullReason":"not_disclosed","marginMaximumIsUpperBound":null,"dailyPeriodicRateMinimumPercent":null,"dailyPeriodicRateMinimumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumPercent":null,"dailyPeriodicRateMaximumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumIsUpperBound":null,"rateCapBps":null,"rateCapBpsNullReason":"not_disclosed","penaltyTriggers":null,"penaltyTriggerResolution":null,"penaltyDurationValue":null,"penaltyDurationUnit":null,"durationMonths":null,"durationDays":null,"durationBillingCycles":12,"durationBillingCyclesNullReason":null,"eligibilityConditions":"The 0% introductory APR applies to purchases and is valid for the first 12 billing cycles. The 0% introductory APR applies to balance transfers made within 60 days of account opening and is valid for the first 12 billing cycles. The introductory rate does not apply to cash advances. Balance Transfer fee of 5% of each transfer amount, $5 minimum will apply. When you make a payment, the amount up to your Minimum Payment is applied first to the monthly payment obligation for U.S. Bank ExtendPay® Plans and U.S. Bank ExtendPay® Loans if any, and then to non-Fixed Payment Program balances in the order of the lowest to highest APR.  Any amount over your Minimum Payment is applied to balances in the order of highest to lowest APR.","eligibilityConditionSources":[{"snapshotId":"54930","sourceKind":"official_issuer","publisherName":"U.S. Bank National Association","capturedAt":"2026-10-15T06:43:54.937Z","effectiveOn":"2026-10-15","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.usbank.com/credit-cards/offers/bank-smartly-visa-signature-credit-card.html","passageId":"ff908e8f126069fa56ecc3914a896a2d","pageNumber":null,"quote":"The 0% introductory APR applies to purchases and is valid for the first 12 billing cycles. The 0% introductory APR applies to balance transfers made within 60 days of account opening and is valid for the first 12 billing cycles. The introductory rate does not apply to cash advances. Balance Transfer fee of 5% of each transfer amount, $5 minimum will apply. When you make a payment, the amount up t…","recordId":"official-issuer:page:url:e986d7c98b073bbc3ca4a5d97843ad8a312b700c97050732f89f4a677133c26e","recordFields":[],"fieldKey":"apr:purchase:introductory:conditions"}],"statistic":"point","metricSources":{"annual_apr":[{"snapshotId":"54930","sourceKind":"official_issuer","publisherName":"U.S. Bank National Association","capturedAt":"2026-10-15T06:43:54.937Z","effectiveOn":"2026-10-15","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://www.usbank.com/credit-cards/offers/bank-smartly-visa-signature-credit-card.html","passageId":"ff908e8f126069fa56ecc3914a896a2d","pageNumber":null,"quote":"The 0% introductory APR applies to purchases and is valid for the first 12 billing cycles. The 0% introductory APR applies to balance transfers made within 60 days of account opening and is valid for the first 12 billing cycles. The introductory rate does not apply to cash advances. Balance Transfer fee of 5% of each transfer amount, $5 minimum will apply. When you make a payment, the amount up t…","recordId":"official-issuer:page:url:e986d7c98b073bbc3ca4a5d97843ad8a312b700c97050732f89f4a677133c26e","recordFields":[],"fieldKey":"apr:purchase:introductory:all:0"}],"daily_periodic_rate":[],"margin":[]}}],"fees":[{"effectiveFrom":"2026-10-15","effectiveTo":null,"lastObservedAt":"2026-10-15T06:43:54.937Z","sources":[{"snapshotId":"54930","sourceKind":"official_issuer","publisherName":"U.S. Bank National Association","capturedAt":"2026-10-15T06:43:54.937Z","effectiveOn":"2026-10-15","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://www.usbank.com/credit-cards/offers/bank-smartly-visa-signature-credit-card.html","passageId":"f653d4ea5450b6941a423624a8ec1eb7","pageNumber":null,"quote":"$0 Annual Fee","recordId":"official-issuer:page:url:e986d7c98b073bbc3ca4a5d97843ad8a312b700c97050732f89f4a677133c26e","recordFields":[],"fieldKey":"annual_fee"}],"feeType":"annual","feeFrequency":"annual","sequence":1,"name":null,"currencyCode":"USD","amountCents":null,"amountNullReason":"not_offered","percentBps":null,"percentNullReason":"not_applicable","minimumAmountCents":null,"maximumAmountCents":null,"maximumPercentBps":null,"maximumPercentNullReason":"not_applicable","feeScope":"account","calculation":null,"explanation":"$0 Annual Fee"},{"effectiveFrom":"2026-10-15","effectiveTo":null,"lastObservedAt":"2026-10-15T06:43:54.937Z","sources":[{"snapshotId":"54930","sourceKind":"official_issuer","publisherName":"U.S. Bank National Association","capturedAt":"2026-10-15T06:43:54.937Z","effectiveOn":"2026-10-15","effectiveOnBasis":"page_capture","statistic":"range","documentPath":null,"documentTitle":null,"publicUrl":"https://www.usbank.com/credit-cards/offers/bank-smartly-visa-signature-credit-card.html","passageId":"ff908e8f126069fa56ecc3914a896a2d","pageNumber":null,"quote":"The 0% introductory APR applies to purchases and is valid for the first 12 billing cycles. The 0% introductory APR applies to balance transfers made within 60 days of account opening and is valid for the first 12 billing cycles. The introductory rate does not apply to cash advances. Balance Transfer fee of 5% of each transfer amount, $5 minimum will apply. When you make a payment, the amount up t…","recordId":"official-issuer:page:url:e986d7c98b073bbc3ca4a5d97843ad8a312b700c97050732f89f4a677133c26e","recordFields":[],"fieldKey":"fee:balance_transfer:1"}],"feeType":"balance_transfer","feeFrequency":"per_transaction","sequence":1,"name":null,"currencyCode":"USD","amountCents":null,"amountNullReason":"not_applicable","percentBps":500,"percentNullReason":null,"minimumAmountCents":500,"maximumAmountCents":null,"maximumPercentBps":null,"maximumPercentNullReason":"not_disclosed","feeScope":"account","calculation":"greater_of","explanation":"The 0% introductory APR applies to purchases and is valid for the first 12 billing cycles. The 0% introductory APR applies to balance transfers made within 60 days of account opening and is valid for the first 12 billing cycles. The introductory rate does not apply to cash advances. Balance Transfer fee of 5% of each transfer amount, $5 minimum will apply. When you make a payment, the amount up to your Minimum Payment is applied first to the monthly payment obligation for U.S. Bank ExtendPay® Plans and U.S. Bank ExtendPay® Loans if any, and then to non-Fixed Payment Program balances in the order of the lowest to highest APR.  Any amount over your Minimum Payment is applied to balances in the order of highest to lowest APR."}],"cardTerms":null,"partialCardNetwork":{"network":"visa","sources":[{"snapshotId":"54930","sourceKind":"official_issuer","publisherName":"U.S. Bank National Association","capturedAt":"2026-10-15T06:43:54.937Z","effectiveOn":"2026-10-15","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.usbank.com/credit-cards/offers/bank-smartly-visa-signature-credit-card.html","passageId":"f2d8412e8b9e000ade5ed4ba5deb427e","pageNumber":null,"quote":"U.S. Bank Smartly™ Visa Signature® Card","recordId":"official-issuer:page:url:e986d7c98b073bbc3ca4a5d97843ad8a312b700c97050732f89f4a677133c26e","recordFields":[],"fieldKey":"network"}]},"signupBonuses":[],"cardRewards":[{"effectiveFrom":"2026-10-15","effectiveTo":null,"lastObservedAt":"2026-10-15T06:43:54.937Z","sources":[{"snapshotId":"54930","sourceKind":"official_issuer","publisherName":"U.S. Bank National Association","capturedAt":"2026-10-15T06:43:54.937Z","effectiveOn":"2026-10-15","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.usbank.com/credit-cards/offers/bank-smartly-visa-signature-credit-card.html","passageId":"17d8cc69260557a2bc2acfb4ab95f89c","pageNumber":null,"quote":"Visa Signature® Card with 2 Points for every $1 spent in eligible Net Purchases (Purchases minus credits and returns).  You may earn additional Points for a Smartly Earning Bonus if you:","recordId":"official-issuer:page:url:e986d7c98b073bbc3ca4a5d97843ad8a312b700c97050732f89f4a677133c26e","recordFields":[],"fieldKey":"card_reward"},{"snapshotId":"54930","sourceKind":"official_issuer","publisherName":"U.S. Bank National Association","capturedAt":"2026-10-15T06:43:54.937Z","effectiveOn":"2026-10-15","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.usbank.com/credit-cards/offers/bank-smartly-visa-signature-credit-card.html","passageId":"93a85a160c3eeccd88ab8d64a0300fb4","pageNumber":null,"quote":"Not all transactions are considered to be Purchases and eligible to earn rewards, such as transactions posting as Convenience Checks; Balance Transfers; Advances (including ATM withdrawals, wire transfers, traveler's checks, money orders, foreign cash transactions, betting transactions, and lottery tickets); interest charges and fees; credit insurance premiums; and transactions to (i) fund certai…","recordId":"official-issuer:page:url:e986d7c98b073bbc3ca4a5d97843ad8a312b700c97050732f89f4a677133c26e","recordFields":[],"fieldKey":"card_reward:qualification:0"},{"snapshotId":"54930","sourceKind":"official_issuer","publisherName":"U.S. Bank National Association","capturedAt":"2026-10-15T06:43:54.937Z","effectiveOn":"2026-10-15","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.usbank.com/credit-cards/offers/bank-smartly-visa-signature-credit-card.html","passageId":"c94dbeeaa30f8db6236a26d96c8cfd3a","pageNumber":null,"quote":"Account must be open and in good standing (not past due or overlimit) on the closing date of the billing cycle to earn and redeem rewards and benefits. Upon approval, please refer to your Cardmember Agreement or Rewards Program Rules in the online Rewards Center by logging into usbank.com for additional information.","recordId":"official-issuer:page:url:e986d7c98b073bbc3ca4a5d97843ad8a312b700c97050732f89f4a677133c26e","recordFields":[],"fieldKey":"card_reward:qualification:1"},{"snapshotId":"54930","sourceKind":"official_issuer","publisherName":"U.S. Bank National Association","capturedAt":"2026-10-15T06:43:54.937Z","effectiveOn":"2026-10-15","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.usbank.com/credit-cards/offers/bank-smartly-visa-signature-credit-card.html","passageId":"a836f3c756f31152b92450d45205927b","pageNumber":null,"quote":"To redeem as Cash Back in the values noted in this advertisement, Points can be redeemed as a deposit into an eligible U.S. Bank deposit account or statement credit. Other redemptions, such as gift cards and travel, may be at a reduced redemption rate.","recordId":"official-issuer:page:url:e986d7c98b073bbc3ca4a5d97843ad8a312b700c97050732f89f4a677133c26e","recordFields":[],"fieldKey":"card_reward:qualification:2"},{"snapshotId":"54930","sourceKind":"official_issuer","publisherName":"U.S. Bank National Association","capturedAt":"2026-10-15T06:43:54.937Z","effectiveOn":"2026-10-15","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.usbank.com/credit-cards/offers/bank-smartly-visa-signature-credit-card.html","passageId":"567fa1c4ad7193f2957fdeea32c2bec2","pageNumber":null,"quote":"Points will expire if there is no reward, Purchase, or balance activity on your Card account for 12 consecutive statement cycles. If you make a Purchase return or otherwise receive credit on a Purchase transaction, Points will be deducted from your Points balance based on the Smartly Earning Bonus tier that applies to your card account when you make the return or receive the credit.","recordId":"official-issuer:page:url:e986d7c98b073bbc3ca4a5d97843ad8a312b700c97050732f89f4a677133c26e","recordFields":[],"fieldKey":"card_reward:qualification:3"}],"groupKey":"purchase-rewards","tierKey":"all-purchases-points","groupLabel":"Purchase rewards","pointsPerDollar":2,"merchantCategoryCodes":[],"merchantCategoryCodesNullReason":"not_disclosed","categoryComplement":false,"redemptionOptions":[],"minimumQualifyingPurchaseCents":null,"minimumPurchaseNullReason":"not_disclosed","maximumQualifyingPurchaseCents":null,"maximumPurchaseNullReason":"not_applicable","qualificationPeriod":null,"qualificationPeriodNullReason":"not_disclosed","pointsPostingMaximumDays":null,"pointsPostingNullReason":"not_disclosed","pointsExpirationYears":null,"pointsExpirationAnchor":null,"pointsExpirationPolicy":null,"pointsRedemptionDaysAfterClosure":null,"pointsRedemptionAfterClosureNullReason":"not_disclosed","pointsExpirationNullReason":"not_disclosed","redemptionOptionsNullReason":"not_disclosed","conditions":" Visa Signature® Card with 2 Points for every $1 spent in eligible Net Purchases (Purchases minus credits and returns).  You may earn additional Points for a Smartly Earning Bonus if you:","qualificationConditions":["Not all transactions are considered to be Purchases and eligible to earn rewards, such as transactions posting as Convenience Checks; Balance Transfers; Advances (including ATM withdrawals, wire transfers, traveler's checks, money orders, foreign cash transactions, betting transactions, and lottery tickets); interest charges and fees; credit insurance premiums; and transactions to (i) fund certain prepaid card products, (ii) buy currency from the U.S. Mint, or (iii) buy cash convertible items.","Account must be open and in good standing (not past due or overlimit) on the closing date of the billing cycle to earn and redeem rewards and benefits. Upon approval, please refer to your Cardmember Agreement or Rewards Program Rules in the online Rewards Center by logging into usbank.com for additional information.","\nTo redeem as Cash Back in the values noted in this advertisement, Points can be redeemed as a deposit into an eligible U.S. Bank deposit account or statement credit. Other redemptions, such as gift cards and travel, may be at a reduced redemption rate.","\nPoints will expire if there is no reward, Purchase, or balance activity on your Card account for 12 consecutive statement cycles. If you make a Purchase return or otherwise receive credit on a Purchase transaction, Points will be deducted from your Points balance based on the Smartly Earning Bonus tier that applies to your card account when you make the return or receive the credit."],"qualificationConditionSources":[{"snapshotId":"54930","sourceKind":"official_issuer","publisherName":"U.S. Bank National Association","capturedAt":"2026-10-15T06:43:54.937Z","effectiveOn":"2026-10-15","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.usbank.com/credit-cards/offers/bank-smartly-visa-signature-credit-card.html","passageId":"93a85a160c3eeccd88ab8d64a0300fb4","pageNumber":null,"quote":"Not all transactions are considered to be Purchases and eligible to earn rewards, such as transactions posting as Convenience Checks; Balance Transfers; Advances (including ATM withdrawals, wire transfers, traveler's checks, money orders, foreign cash transactions, betting transactions, and lottery tickets); interest charges and fees; credit insurance premiums; and transactions to (i) fund certai…","recordId":"official-issuer:page:url:e986d7c98b073bbc3ca4a5d97843ad8a312b700c97050732f89f4a677133c26e","recordFields":[],"fieldKey":"card_reward:qualification:0"},{"snapshotId":"54930","sourceKind":"official_issuer","publisherName":"U.S. Bank National Association","capturedAt":"2026-10-15T06:43:54.937Z","effectiveOn":"2026-10-15","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.usbank.com/credit-cards/offers/bank-smartly-visa-signature-credit-card.html","passageId":"c94dbeeaa30f8db6236a26d96c8cfd3a","pageNumber":null,"quote":"Account must be open and in good standing (not past due or overlimit) on the closing date of the billing cycle to earn and redeem rewards and benefits. Upon approval, please refer to your Cardmember Agreement or Rewards Program Rules in the online Rewards Center by logging into usbank.com for additional information.","recordId":"official-issuer:page:url:e986d7c98b073bbc3ca4a5d97843ad8a312b700c97050732f89f4a677133c26e","recordFields":[],"fieldKey":"card_reward:qualification:1"},{"snapshotId":"54930","sourceKind":"official_issuer","publisherName":"U.S. Bank National Association","capturedAt":"2026-10-15T06:43:54.937Z","effectiveOn":"2026-10-15","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.usbank.com/credit-cards/offers/bank-smartly-visa-signature-credit-card.html","passageId":"a836f3c756f31152b92450d45205927b","pageNumber":null,"quote":"To redeem as Cash Back in the values noted in this advertisement, Points can be redeemed as a deposit into an eligible U.S. Bank deposit account or statement credit. Other redemptions, such as gift cards and travel, may be at a reduced redemption rate.","recordId":"official-issuer:page:url:e986d7c98b073bbc3ca4a5d97843ad8a312b700c97050732f89f4a677133c26e","recordFields":[],"fieldKey":"card_reward:qualification:2"},{"snapshotId":"54930","sourceKind":"official_issuer","publisherName":"U.S. Bank National Association","capturedAt":"2026-10-15T06:43:54.937Z","effectiveOn":"2026-10-15","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.usbank.com/credit-cards/offers/bank-smartly-visa-signature-credit-card.html","passageId":"567fa1c4ad7193f2957fdeea32c2bec2","pageNumber":null,"quote":"Points will expire if there is no reward, Purchase, or balance activity on your Card account for 12 consecutive statement cycles. If you make a Purchase return or otherwise receive credit on a Purchase transaction, Points will be deducted from your Points balance based on the Smartly Earning Bonus tier that applies to your card account when you make the return or receive the credit.","recordId":"official-issuer:page:url:e986d7c98b073bbc3ca4a5d97843ad8a312b700c97050732f89f4a677133c26e","recordFields":[],"fieldKey":"card_reward:qualification:3"}]}],"cashBenefits":[{"effectiveFrom":"2026-10-15","effectiveTo":null,"lastObservedAt":"2026-10-15T06:43:54.937Z","sources":[{"snapshotId":"54930","sourceKind":"official_issuer","publisherName":"U.S. Bank National Association","capturedAt":"2026-10-15T06:43:54.937Z","effectiveOn":"2026-10-15","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.usbank.com/credit-cards/offers/bank-smartly-visa-signature-credit-card.html","passageId":"a69a6adcd475133a57a0c12228bc0e1a","pageNumber":null,"quote":"Earn unlimited 2% cash back on every purchase.","recordId":"official-issuer:page:url:e986d7c98b073bbc3ca4a5d97843ad8a312b700c97050732f89f4a677133c26e","recordFields":[],"fieldKey":"card_cash_benefit"},{"snapshotId":"54930","sourceKind":"official_issuer","publisherName":"U.S. Bank National Association","capturedAt":"2026-10-15T06:43:54.937Z","effectiveOn":"2026-10-15","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.usbank.com/credit-cards/offers/bank-smartly-visa-signature-credit-card.html","passageId":"a836f3c756f31152b92450d45205927b","pageNumber":null,"quote":"To redeem as Cash Back in the values noted in this advertisement, Points can be redeemed as a deposit into an eligible U.S. Bank deposit account or statement credit. Other redemptions, such as gift cards and travel, may be at a reduced redemption rate.","recordId":"official-issuer:page:url:e986d7c98b073bbc3ca4a5d97843ad8a312b700c97050732f89f4a677133c26e","recordFields":[],"fieldKey":"card_cash_benefit:qualification"}],"benefitKey":"all-purchases","benefitKind":"cashback_earnings","percentBps":200,"percentNullReason":null,"maximumPercentBps":null,"maximumPercentNullReason":"not_applicable","amountCents":null,"amountNullReason":"not_applicable","amountIsUpperBound":false,"minimumQualifyingSpendCents":null,"minimumSpendNullReason":"not_applicable","qualifyingDaysAfterAccountOpening":null,"qualifyingDaysNullReason":"not_applicable","recurrenceMonths":null,"recurrenceMonthsNullReason":"not_applicable","recurrenceAnchor":null,"recurrenceAnchorNullReason":"not_applicable","payoutStatementCyclesMinimum":null,"payoutStatementCyclesMaximum":null,"payoutStatementCyclesNullReason":"not_applicable","conditions":"Earn unlimited 2% cash back on every purchase.","qualificationConditions":"\nTo redeem as Cash Back in the values noted in this advertisement, Points can be redeemed as a deposit into an eligible U.S. Bank deposit account or statement credit. Other redemptions, such as gift cards and travel, may be at a reduced redemption rate.","qualificationConditionSources":[{"snapshotId":"54930","sourceKind":"official_issuer","publisherName":"U.S. Bank National Association","capturedAt":"2026-10-15T06:43:54.937Z","effectiveOn":"2026-10-15","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.usbank.com/credit-cards/offers/bank-smartly-visa-signature-credit-card.html","passageId":"a836f3c756f31152b92450d45205927b","pageNumber":null,"quote":"To redeem as Cash Back in the values noted in this advertisement, Points can be redeemed as a deposit into an eligible U.S. Bank deposit account or statement credit. Other redemptions, such as gift cards and travel, may be at a reduced redemption rate.","recordId":"official-issuer:page:url:e986d7c98b073bbc3ca4a5d97843ad8a312b700c97050732f89f4a677133c26e","recordFields":[],"fieldKey":"card_cash_benefit:qualification"}]}],"cardLinks":[],"cardWithholdings":[{"observationKind":"card_reward","fieldKey":"held-168","reason":"unparsed_value","detail":"Additional balance-dependent earning tiers retained without guessing merchant codes or flattening the per-billing-cycle cap and qualifying-account rules.","sources":[{"snapshotId":"54930","sourceKind":"official_issuer","publisherName":"U.S. Bank National Association","capturedAt":"2026-10-15T06:43:54.937Z","effectiveOn":"2026-10-15","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.usbank.com/credit-cards/offers/bank-smartly-visa-signature-credit-card.html","passageId":"c0299f9f55742114cfef1602aa479614","pageNumber":null,"quote":"Not all Purchases are eligible to earn the Smartly Earning Bonus: Purchases classified as (1) education/school, gift cards (including discount gift card sites), insurance, or tax; (2) “business-to-business transactions” (transactions with merchants who are in the business of supplying goods and services to other businesses, such as advertising services, plumbing/heating suppliers, construction ma…","recordId":"official-issuer:page:url:e986d7c98b073bbc3ca4a5d97843ad8a312b700c97050732f89f4a677133c26e","recordFields":[],"fieldKey":"withheld:card_reward:held-168"}]}],"balanceTransferTerms":[],"loanTerms":null,"loanRateTiers":[],"rateDiscounts":[],"loanWithholdings":[]}],"documents":[]}}