U.S. Bank Smartly

Yes, for the right reader. If you want a straightforward card that earns 2% back on everything and costs nothing to keep, the U.S. Bank Smartly does its job well. It is an easy fit for general spending, bills, and the purchases that do not line up neatly with bonus categories.

The tradeoff is that there is not much beyond that core value. There is no welcome bonus listed, no built-in perks, and no special categories to lift your returns in specific areas. If you want travel benefits, purchase extras, or higher earnings in places like dining or groceries, you will likely want to pair this with another card or choose a more feature-rich option.