The U.S. Bank Smartly™ Visa Signature® Card is a personal credit card from U.S. Bank Smartly™ Visa Signature® Card. Application typically pulls a hard report from TransUnion. The annual fee is $0. The ongoing APR is null after a 0% intro APR introductory rate for 12 months. Approval typically requires a credit score of 700+ or higher. Signup bonus: null. Rewards: Earn unlimited 2% cash back on every purchase.. Cash back: null. Application rules: Recon: (800) 947-1444.