The U.S. Bank Smartly Visa Signature is a personal credit card from U.S. Bank Smartly Visa Signature. Application typically pulls a hard report from TransUnion. The annual fee is $0. The ongoing APR is variable APR applies, currently $ after a 0% intro APR introductory rate for 12 months. Approval typically requires a credit score of good to excellent range or higher. Rewards: Earn unlimited 2% cash back on every purchase. Cash back: 2% cash back on every purchase. This product reports activity to your personal credit report. Soft-pull pre-qualification is available — no hard inquiry to check approval odds. Application rules: • 5/12 Rule: May deny if 5+ cards opened (any issuer) in past 12 months. Business cards may be exempt. • No repeat welcome bonus if you currently have same card open. Business cards unaffected. • No known velocity limits. Limits total credit — reallocating credit may help with recon. • Personal = usually Experian/TransUnion. Business = TransUnion. • Status & Recon: (800) 947-1444 (press "1" for status). Recon: (800) 947-1444. Great combo of 0% APR and strong cash-back potential, especially for the U.S. Bank customers. U.S. Bank Altitude Go Visa Signature Card. BT Fee: 5% of each transfer amount, $5 minimum. Post-intro APR: Approximately 18.49%–28.74% variable