U.S. Bank credit cards
2 U.S. Bank cards ranked on a family's spending, each with Year 1 against every year after. Annual fees run from $0 to $0.
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- #1
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.Year 1$804Year 2+$8043 years $2,412 after fees· no fee to cover
Breakdown, earn rates and why it's ranked here
Year 1$804Year 2+$804Rewards on spending$804 / $804Fees (taken off the end)-$0 / -$0 No annual fee Year 1Year 2Year 3Earn rate by category
2%GrocGroceries2%DineDining and takeout2%GasGas and EV charging2%AirFlights2%HotelHotels and car rentals2%TransitTransit and rideshare2%StreamStreaming2%DrugDrugstores2%OnlineOnline shopping2%BillsPhone, internet and utilities2%OtherEverything elseWhy it's ranked here
- Ranked #1 of 2. By 3-year value on the family preset's spending. Over 3 years it's worth $2,412 after fees.
- Year 1. $804 = rewards $804.
- Each year after. $804 = rewards $804.
- Against #2. Beats U.S. Bank Cash+ by $70 over 3 years, mostly on rewards on spending (+$270).
Verified Oct 16, 2026Every term and assumption - #2
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.Year 1$914Year 2+$7143 years $2,342 after fees· no fee to cover
Breakdown, earn rates and why it's ranked here
Year 1$914Year 2+$714Welcome or anniversary bonus$200 / $0Rewards on spending$714 / $714Fees (taken off the end)-$0 / -$0 No annual fee Year 1Year 2Year 3Earn rate by category
2%GrocGroceries2%DineDining and takeout2%GasGas and EV charging1%AirFlights1%HotelHotels and car rentals5%TransitTransit and rideshare5%StreamStreaming1%DrugDrugstores1%OnlineOnline shopping5%BillsPhone, internet and utilities1%OtherEverything elseWhy it's ranked here
- Ranked #2 of 2. By 3-year value on the family preset's spending. Over 3 years it's worth $2,342 after fees.
- Year 1. $914 = welcome bonus $200 + rewards $714.
- Each year after. $714 = rewards $714.
- Against #1. Trails U.S. Bank Smartly Visa Signature by $70 over 3 years, mostly on rewards on spending (−$270).
Verified Oct 16, 2026Every term and assumption
All values are after each card's annual or monthly fee, and foreign transaction fees when you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime or Instacart+) aren't included.
Rates, fees and offers are set by the issuer and may change. Check the issuer's terms before you apply. We don't estimate approval odds.
Values for points and miles are estimates based on published redemption valuations; actual value depends on how you redeem.
3-year value on each preset
points at their cash value, after fees. "~" marks estimates.
| Card | Student | Couple | Family | Frequent traveller | Big spender |
|---|---|---|---|---|---|
| U.S. Bank Smartly Visa Signature | $709 | $1,840 | $2,412 | $2,794 | $5,731 |
| U.S. Bank Cash+ | $933 | $1,854 | $2,342 | $2,461 | $4,458 |
Frequently asked questions
Which U.S. Bank card is best?
On a family's spending, U.S. Bank Smartly Visa Signature is worth the most over 3 years ($2,412).
What do U.S. Bank cards cost?
Annual fees from $0 to $0 across the 2 cards listed here.
What rewards do U.S. Bank cards earn?
Cash back. Points are shown in dollars at the program's cash or statement-credit value unless you choose another redemption.
Sources
Estimates for information only; not financial advice. See how cards are ranked.