Points & Miles — U.S. Bank Cash+ vs U.S. Bank Smartly

Earn rates by spend category

U.S. Bank Cash+

5× Two chosen 5% categories ≈Inferred by source

2× One chosen everyday category (gas, grocery or dining) ≈Inferred by source

1× Everything else ≈Inferred by source

U.S. Bank Smartly

2× Every purchase (up to 4% with large U.S. Bank deposits) ≈Inferred by source

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Vendor-neutral by design — we never take issuer money for placement, and every fact carries a source and a freshness date. Perks and lounge access often carry conditions (enrollment, minimum spend, flight or status requirements); always confirm current terms with the issuer. Data last verified Aug 3, 2026 · see what's current.

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U.S. Bank Cash+ vs U.S. Bank Smartly
Points & Miles