{"id":180038,"date":"2025-05-14T14:10:01","date_gmt":"2025-05-14T14:10:01","guid":{"rendered":"https:\/\/awardwallet.com\/blog\/?p=180038\/"},"modified":"2026-04-08T14:15:20","modified_gmt":"2026-04-08T14:15:20","slug":"us-bank-smartly-card","status":"publish","type":"post","link":"https:\/\/awardwallet.com\/credit-cards\/cash-back\/us-bank-smartly-card\/","title":{"rendered":"U.S. Bank Nerfs the Bank Smartly Card \u2014 Here Are Your Best High-Earning Alternatives"},"content":{"rendered":"<p>U.S. Bank issues several different cards for the U.S. credit card market, with benefits that are often overlooked and underappreciated. In 2024, it launched the <a target=\"_blank\" href=\"https:\/\/www.usbank.com\/credit-cards\/bank-smartly-visa-signature-credit-card.html\" rel=\"noopener\">U.S. Bank Smartly\u2122 Visa Signature<sup>\u00ae<\/sup> Card<\/a>, a premium metal product that earns up to 4% cash back on every purchase.<\/p>\n<p>On <strong>April 14, 2025<\/strong>, U.S Bank made major changes to the card's benefits. While these changes don't currently affect existing cardholders, new applicants should take note before applying. The previous rules allowed for cash back rates on purchases as high as 4% with sufficient investment balances in U.S. Bank accounts. But now, the requirements are much stricter.<\/p>\n<p>So, what's changed exactly? Let's take a look.<\/p>\n<h2><span id=\"What8217s_Changing_With_the_Bank_Smartly_Card\">What's Changing With the Bank Smartly Card?<\/span><\/h2>\n<p>The U.S. Bank Smartly\u2122 Visa Signature<sup>\u00ae<\/sup> Card\u00a0has no annual fee or welcome bonus; it's purely a <a target=\"_blank\" href=\"\/find-a-card\/cash-back\/\" rel=\"noopener\">cash-back card<\/a>. The base earning rate is 2% cash back on every purchase. However, the rewards multiply if you open a U.S. Bank Smartly savings account.<\/p>\n<p>New applicants will have to adhere to stricter criteria for achieving heightened cash back levels compared to those who applied before April 14, 2025. You'll need to open a U.S. Bank Smartly savings account and maintain a qualifying balance in a U.S. Smartly checking or Safe Debit account. Note that only funds in your checking or Safe Debit accounts count as qualifying balances, which is confusing to say the least.<\/p>\n<p>Here are the different rewards thresholds:<\/p>\n<ul>\n<li><strong>2.5% cash back on all purchases:<\/strong> $10,000-$49,999 (The previous threshold was $5,000)<\/li>\n<li><strong>3% cash back on all purchases:<\/strong> $50,000-$99,999<\/li>\n<li><strong>4% cash back on all purchases:<\/strong> $100,000+<\/li>\n<\/ul>\n<p>That means those who want to earn 4% cash back will now need to hold over $100,000 in deposits in a U.S. Bank Smartly bank account to achieve the highest tier. In addition, the old system measured qualifying balances on a 90-day rolling average. Now, that timeframe has been cut down to 30 days, which makes these tiers harder to achieve if you're accessing your capital regularly.<\/p>\n<figure id=\"attachment_165744\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-165744 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/05\/US-Bank-person-using-ATM-feature.jpeg\" alt=\"a woman using a U.S. Bank ATM\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/05\/US-Bank-person-using-ATM-feature.jpeg 1000w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/05\/US-Bank-person-using-ATM-feature-300x240.jpeg 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/05\/US-Bank-person-using-ATM-feature-768x614.jpeg 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/05\/US-Bank-person-using-ATM-feature-325x260.jpeg 325w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Credit: U.S. Bank<\/em><\/enter><\/figure>\n<p>Furthermore, new caps on earnings have been implemented. Previously, there was no cap on earnings at the heightened tiers. Now, you'll only be able to earn 2.5%, 3%, or 4% on purchases up to $10,000 in total purchases each billing cycle. Afterward, spending will revert to an uncapped 2% cash back. That's a pretty big haircut.<\/p>\n<p>Finally, in a clear effort to cut down on &#8220;maximizers,&#8221; certain purchases will only earn 2% cash back. These include education or tuition payments, gift cards, insurance, <a target=\"_blank\" href=\"\/credit-cards\/insurance-and-perks-on-award-travel\/\" rel=\"noopener\">taxes<\/a>, business-to-business transactions, and third-party bill payment services. Many of these purchases are high-dollar value transactions, or are potentially purchases that would otherwise be made without a credit card.<\/p>\n<p>The previous version of this card offered too lucrative an offer that attracted customers U.S. Bank wished not to do business with.<\/p>\n<h2><span id=\"Cardholders_Who_Applied_Before_April_14_2025\">Cardholders Who Applied Before April 14, 2025<\/span><\/h2>\n<p>For existing cardholders who applied before April 14, 2025, nothing is currently changing with your card offerings. That means the existing earning structure is still in place if you have both the savings account, the Bank SmartlyCard, and average daily combined qualifying balances in U.S. Bank deposit, trust, or investment accounts:<\/p>\n<ul>\n<li><strong>2.5% cash back<\/strong> when you have a qualifying balance between $5,000 and $49,999<\/li>\n<li><strong>3% cash back<\/strong> when you have a qualifying balance between $50,000 and $99,999<\/li>\n<li><strong>4% cash back<\/strong> when you have a qualifying balance greater than $100,000<\/li>\n<\/ul>\n<p>In addition, cardholders will continue to enjoy uncapped earnings on higher-tiered categories, as well as now-excluded purchase categories. These benefits can change at any time, but for the time being, U.S. Bank is allowing older cardholders to continue to earn under the old structure.<\/p>\n<figure id=\"attachment_179292\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-179292 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/08\/Credit-Card-Mikhail-Nilov-Featured.png\" alt=\"Man holding a credit card and looking at his cell phone.\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/08\/Credit-Card-Mikhail-Nilov-Featured.png 1000w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/08\/Credit-Card-Mikhail-Nilov-Featured-300x240.png 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/08\/Credit-Card-Mikhail-Nilov-Featured-768x614.png 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/08\/Credit-Card-Mikhail-Nilov-Featured-325x260.png 325w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Credit: Mikhail Nilov\/Pexels<\/em><\/enter><\/figure>\n<h2><span id=\"How_the_Bank_Smartly_Card_Compares_to_Other_Cash_Back_Cards\">How the Bank Smartly Card Compares to Other Cash Back Cards<\/span><\/h2>\n<p>The cash-back credit card space is undoubtedly competitive. The base level of 2% cash back you'll get with the Bank SmartlyCard is on par with some of our <a target=\"_blank\" href=\"\/credit-cards\/best-everyday-credit-card\/\" rel=\"noopener\">best cards for everyday spending<\/a>, like the <a data-ccid=\"3002009\" href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-double-cash-card\/\">Citi Double Cash<sup>\u00ae<\/sup> Card<\/a> or <a data-ccid=\"4048261\" href=\"https:\/\/awardwallet.com\/credit-cards\/cash-back\/td-double-up-credit-card\/\">TD Double Up\u2120 Credit Card<\/a>.<\/p>\n<div class=\"qs-card\" data-id=\"4048261\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">TD Double Up\u2120 Credit Card<\/div>\n                    <div class=\"qs-image\"><img data-aspectratio=\"150\/94\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/07\/CardArt-TDDoubleUpCreditCard.png\" width=\"150\" alt=\"TD Double Up\u2120 Credit Card\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"qs-how-apply\" data-ccid=\"4048261\" href=\"\/blog\/link\/CR-TDDoubleUpCreditCard\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div>\n                    <div class=\"qs-rates\"><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong> Bonus Cash Back: Earn $200 Cash Back in the form of a statement credit when you spend $1,500 within the first 90 days after account opening<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">TD Double Up\u2120 Credit Card<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong> Bonus Cash Back: Earn $200 Cash Back in the form of a statement credit when you spend $1,500 within the first 90 days after account opening<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$0<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"hl\">Highlights<\/a><a class=\"active\" href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">The TD Double Up\u2120 Credit Card offers 2% cash back on all eligible purchases with no categories or caps, and has no annual fee. Cardholders can access valuable Visa benefits like extended warranty protection, lost luggage reimbursement, cell phone protection.<\/div><div class=\"qs-tab-hl\"><ul>\r\n    <li>$150 Cash Back: Receive a $150 statement credit when you spend $1,000 within the first 90 days of opening your account.<\/li>\r\n    <li>Enjoy unlimited 2% Cash Back on every eligible purchase.<\/li>\r\n    <li>Enjoy Visa benefits like cell phone protection when you use your card to pay your monthly mobile bill.<\/li>\r\n    <li>Zero annual fee.<\/li>\r\n    <li>Only available to residents of CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA, or VT.<\/li>\r\n<\/ul><\/div><div class=\"qs-tab-er active\"><ul>\r\n<li>Unlimited 2% Cash Back on every eligible purchase<\/li>\r\n<\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/TDDoubleUp\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-5-15b009cd64#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div>\n<p>Other cards, such as the <a data-ccid=\"3006090\" href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/freedom-unlimited\/\">Chase Freedom Unlimited<sup>\u00ae<\/sup><\/a>, offer bonus categories without the requirement of a hefty savings account balance.<\/p>\n<div class=\"qs-card\" data-id=\"3006090\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Chase Freedom Unlimited<sup>\u00ae<\/sup><\/div>\n                    <div class=\"qs-image\"><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/aef345f2-25d7-4d44-b7c7-e62661f0291c.png\" width=\"150\" alt=\"Chase Freedom Unlimited\u00ae\"\/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"btn-use qs-apply-now\" title='Chase Freedom Unlimited\u00ae' data-ccid=\"3006090\" href=\"\/blog\/link\/ChaseFreedomUnlimited\" target=\"_blank\" rel=\"noopener nofollow sponsored\">Apply Now<\/a><\/div>\n                    <div class=\"qs-rates\"><span class=\"qs-terms\"><a data-ccid=\"3006090\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1993744.10005134&type=3&subid=011648b725a9d17212ffbd3b178f65174&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong>\r\nEarn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Chase Freedom Unlimited<sup>\u00ae<\/sup><\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong>\r\nEarn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$0<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"hl\">Highlights<\/a><a class=\"active\" href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">The everyday workhorse of the Ultimate Rewards family of cards earns 1.5% cash back on every purchase, every day of the week. While the Freedom Unlimited earns cash back on its own, the points earned become even more valuable when you hold an Ultimate Rewards card with the ability to <a href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/chase-transfer-partners\/\">transfer points to partners<\/a>. <\/div><div class=\"qs-tab-hl\"><?xml version=\"1.0\" standalone=\"yes\"?>\n<!DOCTYPE html PUBLIC \"-\/\/W3C\/\/DTD HTML 4.0 Transitional\/\/EN\" \"http:\/\/www.w3.org\/TR\/REC-html40\/loose.dtd\">\n<?xml encoding=\"utf-8\" ??>\n<html><body><ul><li>Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening<\/li><li>Enjoy 5% cash back on travel purchased through Chase Travel&#x2120;, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.<\/li><li>No minimum to redeem for cash back. You can use points to redeem for cash through an account statement credit or an electronic deposit into an eligible Chase account located in the United States!<\/li><li>Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.24% - 27.74%.<\/li><li>No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited&#xAE; card<\/li><li>Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.<\/li><li>Member FDIC<\/li><\/ul><\/body><\/html>\n<\/div><div class=\"qs-tab-er active\"><ul>\r\n<li>Earn 5% on purchases through Chase Travel\u2120<\/li>\r\n<li>Earn 3% on dining at restaurants <\/li>\r\n<li>Earn 3% on drugstore purchases <\/li>\r\n<li>Earn 1.5% on all purchases <\/li>\r\n<\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/ChaseFreedomUnl\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-5-15b009cd64#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div>\n<p>Bank of America offers a similar relationship-based earning offer for its card members. For example, if you have the <a data-ccid=\"3002004\" href=\"https:\/\/awardwallet.com\/credit-cards\/cash-back\/bank-of-america-customized-cash-rewards\/\">Bank of America<sup>\u00ae<\/sup> Customized Cash Rewards credit card<\/a>, you'll earn 6% cash back for the first year in the category of your choice (then 3%), automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category\/grocery store\/wholesale club quarterly purchases), and unlimited 1% on all other purchases. If you're a <a data-ccid=\"3002004\" href=\"https:\/\/awardwallet.com\/credit-cards\/bank-of-america\/preferred-rewards-guide\/\">Bank of America Preferred Rewards<\/a>\r\n member, you can earn 25%\u201375% more cash back on every purchase.<\/p>\n<p>To get that 75% bonus, you'll need to save your way to Platinum status with\u00a0<a target=\"_blank\" href=\"\/credit-cards\/bank-of-america\/preferred-rewards-guide\/\" rel=\"noopener\">Bank of America Preferred Rewards<\/a>. This tier requires $100,000 in invested funds or savings. But it's well worth your while if that's attainable, because you can then use the Bank of America Customized Cash Card to <a target=\"_blank\" href=\"\/credit-cards\/cash-back\/maximize-bank-of-america-cash-back\/\" rel=\"noopener\">earn up to 10.5% cash back in the category of your choice<\/a>.<\/p>\n<p><div class=\"qs-card\" data-id=\"3002004\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Bank of America<sup>\u00ae<\/sup> Customized Cash Rewards credit card<\/div>\n                    <div class=\"qs-image\"><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/11937160.png\" width=\"150\" alt=\"Bank of America\u00ae Customized Cash Rewards credit card\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><\/div>\n                    <div class=\"qs-rates\"><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong> $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Bank of America<sup>\u00ae<\/sup> Customized Cash Rewards credit card<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong> $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$0<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">The Bank of America<sup>\u00ae<\/sup> Customized Cash Rewards credit card is a $0 annual fee card that offers a tiered cash back rewards system. Cardholders can earn 6% cash back for the first year in a category of their choice, including options like gas and EV charging stations, online shopping\/cable\/internet\/phone plan\/streaming, dining, travel, drug store\/pharmacy or home improvement\/furnishing purchases (then 3%). Additionally, the card offers 2% cash back at grocery stores and wholesale clubs. However, the 6% and 2% cash back rates apply only to the first $2,500 in combined purchases each quarter, after which the rate drops to 1% (after the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum).<\/div><div class=\"qs-tab-er\"><ul>\r\n<li>6% cash back for the first year in the category of your choice: gas and EV charging stations, online shopping\/cable\/internet\/phone plan\/streaming, dining, travel, drug store\/pharmacy purchase, or home improvement\/furnishing purchases, then 3% after the first year of card membership*<\/li>\r\n<li>2% cash back at grocery stores and wholesale clubs*<\/li>\r\n<li>1% cash back on all other purchases<\/li>\r\n<li>* You'll earn 6% and 2% cash back on the first $2,500 in combined choice category\/grocery store\/wholesale club purchases each quarter, then earn 1%. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.<\/li>\r\n<\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/BOACashRewards\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-5-15b009cd64#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div><\/p>\n<h2><span id=\"Final_Thoughts\">Final Thoughts<\/span><\/h2>\n<p>While we'll never know how much U.S. Bank lost in the first few months when the Bank Smartly Card was released to the market, it's rare to see a credit card's benefits change so soon after launch.<\/p>\n<p>These changes make sense, and for those that carry a large amount of cash in their checking or savings account, 4% cash back is hard to beat on up to $120,000 in purchases a year; that's $4,800 in maximized rewards each calendar year! For most, the new tier structure will likely be prohibitive to maximizing this card's potential. We'll see how existing cardholders are treated in the coming months and years.<\/p>\n<div id=\"ftoc\"><div id=\"toc_container\" class=\"toc_light_blue no_bullets\"><p class=\"toc_title\">Page Contents<\/p><ul class=\"toc_list\"><li><a href=\"#What8217s_Changing_With_the_Bank_Smartly_Card\">What's Changing With the Bank Smartly Card?<\/a><\/li><li><a href=\"#Cardholders_Who_Applied_Before_April_14_2025\">Cardholders Who Applied Before April 14, 2025<\/a><\/li><li><a href=\"#How_the_Bank_Smartly_Card_Compares_to_Other_Cash_Back_Cards\">How the Bank Smartly Card Compares to Other Cash Back Cards<\/a><\/li><li><a href=\"#Final_Thoughts\">Final Thoughts<\/a><\/li><\/ul><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>The U.S. Bank Smartly\u2122 Visa Signature\u00ae Card is a nifty product that earns up to 4% cash back on every purchase. However, the issuer recently nerfed this card and made it less rewarding. Here&#8217;s how these changes impact current cardholders and future applicants.<\/p>\n","protected":false},"author":97,"featured_media":178302,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_wpscppro_dont_share_socialmedia":null,"_wpscppro_custom_social_share_image":0,"_facebook_share_type":"default","_twitter_share_type":"default","_linkedin_share_type":"default","_pinterest_share_type":"default","_linkedin_share_type_page":"","_instagram_share_type":"default","_medium_share_type":"default","_threads_share_type":"","_google_business_share_type":"","_selected_social_profile":[],"_wpsp_enable_custom_social_template":false,"_wpsp_social_scheduling":{"enabled":false,"datetime":null,"platforms":[],"status":"template_only","dateOption":"today","timeOption":"now","customDays":"","customHours":"","customDate":"","customTime":"","schedulingType":"absolute"},"_wpsp_active_default_template":true},"categories":[12055],"tags":[12232,12782],"coauthors":[36469],"class_list":["post-180038","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","tag-card-offers","tag-us-bank"],"acf":[],"_links":{"self":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/180038","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/users\/97"}],"replies":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/comments?post=180038"}],"version-history":[{"count":19,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/180038\/revisions"}],"predecessor-version":[{"id":256982,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/180038\/revisions\/256982"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media\/178302"}],"wp:attachment":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media?parent=180038"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/categories?post=180038"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/tags?post=180038"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/coauthors?post=180038"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}