U.S. Bank Changing Smartly Card for Existing Cardholders

U.S. Bank Changing Smartly Card for Existing Cardholders

The launch of the U.S. Bank Smartly Visa Signature® Card was met with plenty of excitement, thanks to its ability to earn up to an industry-leading 4% cash-back on all purchases with a $0 annual fee. Then, less than 6 months after its initial launch, U.S. Bank made some sweeping changes to the card that make it a shell of its former self and, frankly, no longer worth considering. Luckily, when we covered those changes back in April, existing car…

Negative changes coming to the 4% US Bank Smartly credit card

Update 7/27/25: Earlier this year, the U.S. Bank Smartly card changed significantly for new applicants as of 4/14/25. Those who opened accounts 4/13/25 or prior were grandfathered into better terms. Unfortunately, as of 9/15/25, all cardholders are subject to the newer terms and limitations. This was quite a short run for those “grandfathered”. (H/T: Doctor of Credit) Update 4/9/25: Several upcoming changes  to the US Bank Smartly card have been…