U.S. Bank
US Bank Smartly
Annual fee
$0
Rewards
Cash
Benefits
4 · $0/yr
Earn Rates
| Category | Rate | True cash-back value |
|---|---|---|
| Everything else | 2% | 2% |
True value converts point multipliers to dollars using MaxWorth point valuations. Issuer-portal-exclusive rates are excluded.
Status & Elite Perks (1)
Visa Signature Benefits
Access to Visa Signature benefits including roadside dispatch, auto rental collision damage waiver, extended warranty protection
Other (3)
0% Intro APR on Purchases
0% intro APR on purchases for first 12 billing cycles
0% Intro APR on Balance Transfers
0% intro APR on balance transfers for first 12 billing cycles (transfers must be made within 60 days of account opening)
ExtendPay Plans
Divide eligible purchases into affordable monthly payments with no interest, just a fixed monthly fee
Stop tracking this in a spreadsheet.
The MaxWorth app tracks all 4 US Bank Smartly benefits automatically — redemption progress, reset dates and expiry alerts.