Edit U.S. Bank Smartly Visa Signature Card

Edit the JSON record. It is validated on save against the catalog schema (categories, merchants, and benefit keys must exist). Saving stores a local override; the shipped catalog file is untouched and you can reset later.

{
  "slug": "us-bank-smartly",
  "name": "U.S. Bank Smartly Visa Signature Card",
  "issuer": "U.S. Bank",
  "network": "Visa",
  "card_type": "personal",
  "status": "open",
  "annual_fee": 0,
  "annual_fee_notes": "",
  "foreign_transaction_fee_pct": 3,
  "currency": "cash",
  "rewards_unit": "cash",
  "earn": [
    {
      "category": "everything_else",
      "rate": 2,
      "merchant": null,
      "cap": null,
      "cap_period": null,
      "rate_after_cap": null,
      "requires": null,
      "notes": "2% base on every purchase, no cap. Smartly Earning Bonus (requires a U.S. Bank Smartly Savings account plus qualifying U.S. Bank checking/Safe Debit balances): total 2.5% with $10,000-$49,999.99, 3% with $50,000-$99,999.99, 4% with $100,000+. Bonus applies to a maximum of $10,000 in eligible Net Purchases each billing cycle and excludes education/school, gift cards, insurance, tax, business-to-business and third-party bill-payment transactions (those earn the base 2%). Bonus rates are obtained when rewards are redeemed into an eligible U.S. Bank deposit account."
    }
  ],
  "choice_categories": null,
  "rotating": null,
  "signup_bonus": null,
  "credits": [],
  "benefits": [
    {
      "key": "no_annual_fee",
      "name": "No annual fee",
      "description": ""
    },
    {
      "key": "intro_apr",
      "name": "0% intro APR on purchases and balance transfers for 12 billing cycles",
      "description": "Then 18.24%-28.24% variable; balance transfer fee 5% or $5 minimum (Bankrate/CNBC Select, 2026)."
    },
    {
      "key": "roadside_assistance",
      "name": "Roadside dispatch (pay-per-use)",
      "description": "Per CNBC Select review: roadside dispatch, travel and emergency assistance, complimentary GigSky mobile data plans."
    }
  ],
  "protections": {
    "purchase_protection": null,
    "extended_warranty": null,
    "return_protection": null,
    "price_protection": null,
    "trip_cancellation": null,
    "trip_delay": null,
    "baggage_delay": null,
    "lost_luggage": null,
    "rental_car": "secondary",
    "cell_phone": null,
    "roadside": null,
    "travel_accident": null
  },
  "notes": "Base 2% on everything; the Smartly Earning Bonus lifts it to 2.5%/3%/4% with $10k/$50k/$100k in qualifying U.S. Bank balances (a Smartly Savings account is required). Since Sept 15, 2025 (new accounts since April 2025) the bonus is capped at $10,000 in eligible Net Purchases per billing cycle and excludes education/school, gift cards, insurance, tax, business-to-business and third-party bill-pay transactions; some grandfathered cardholders received different letter terms. 3% foreign transaction fee. Points expire after 12 consecutive statement cycles with no activity. Smartly Shopping Deals program ended Jan 31, 2026. U.S. Bank stopped Kroger card applications in May 2026 and announced (July 2026) that Kroger cards will be converted to this Smartly 2% card. No welcome bonus advertised. Web-verified 2026-09-08 against https://www.usbank.com/credit-cards/bank-smartly-visa-signature-credit-card.html and https://rewards.usbank.com/benefits/card/SmartlySigBenefits/program-rules.",
  "highlights": [
    "2% everything, up to 4% with $100k at U.S. Bank",
    "Bonus capped at $10k spend per billing cycle",
    "Bonus excludes insurance, taxes, education, bill-pay",
    "No annual fee; 3% foreign transaction fee",
    "0% intro APR for 12 billing cycles"
  ],
  "sources": [
    "https://www.usbank.com/credit-cards/bank-smartly-visa-signature-credit-card.html",
    "https://rewards.usbank.com/benefits/card/SmartlySigBenefits/program-rules",
    "https://www.bankrate.com/credit-cards/reviews/us-bank-smartly-visa-signature-card/",
    "https://www.cnbc.com/select/us-bank-smartly-visa-signature-card-review/",
    "https://www.doctorofcredit.com/u-s-bank-to-nerf-existing-smartly-cardholders-on-september-15/"
  ],
  "last_verified": "2026-09-08",
  "confidence": "high"
}

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Category keys

everything_else dining food_delivery groceries online_groceries wholesale_club walmart target amazon whole_foods online_shopping department_stores clothing electronics home_improvement furniture sporting_goods drugstores pet gas ev_charging travel flights hotels vacation_rentals rental_car cruises transit rideshare parking_tolls travel_portal travel_agency streaming phone_internet utilities insurance rent mortgage fitness entertainment medical education charity taxes paypal mobile_wallet select_merchant_offers office_supplies shipping advertising software

Merchant keys

costco sams_club bjs walmart target amazon whole_foods kroger meijer trader_joes aldi instacart doordash uber_eats grubhub uber lyft apple best_buy home_depot lowes rei cvs walgreens united delta american southwest jetblue alaska spirit frontier marriott hilton hyatt ihg wyndham choice airbnb vrbo expedia booking hertz enterprise avis amtrak disney netflix spotify peloton verizon att tmobile paypal venmo chase_travel amex_travel capital_one_travel citi_travel bilt_travel shell bp exxon tesla_supercharger electrify_america

Benefit keys

lounge_access priority_pass global_entry_credit clear_credit free_checked_bag priority_boarding inflight_discount companion_pass airline_elite_boost airline_fee_credit hotel_elite_status free_night_certificate hotel_credit travel_credit no_ftf points_transfer_partners portal_redemption_boost anniversary_bonus dining_credit streaming_credit rideshare_credit food_delivery_credit shopping_credit entertainment_credit wellness_credit wireless_credit subscription_membership cell_phone_protection purchase_protection extended_warranty return_protection price_protection trip_cancellation trip_delay baggage_delay lost_luggage rental_car_primary rental_car_secondary travel_accident emergency_evacuation roadside_assistance travel_medical concierge intro_apr no_annual_fee shopping_portal credit_score_access other