Us Bank’s Smartly Visa Signature card has no annual fee but also no welcome bonus. Even so, because of a benefit from their savings account which can increase earnings on the card, it’s worth a discussion on today’s Card Talk episode.
Watch the full episode below, or listen on your favorite podcast platform. You can click the timestamps below to navigate directly to a specific part of the episode within YouTube.
For a transcript of this episode, click “Watch on Youtube” on the video below, then click the “…more” link in the video description. This will expand full video details. Scrolling down past the timestamps and chapters, you’ll see a “Show Transcript” button. If you’re an Apple Podcast listener, you can touch and hold a podcast episode to reveal an option to view a transcript.
Up to 4% Back Everywhere: US Bank’s Smartly Card
(00:11) – What are the basics of the U.S. Bank Smartly™ Visa Signature® Card
Learn more about this card here.
(00:56) – You can increase earning with a U.S. Bank Smartly Savings account and have certain amounts deposited w/ US Bank…
(02:43) – You’ll need a Smartly Savings Account
(04:03) – But you can point your money toward Self Directed Investing
(07:53) – Be careful how you redeem rewards
(09:58) – How does the US Bank Smartly Card compare to Bank of America’s Platinum Honors?
Subscribe and Follow
Visit https://frequentmiler.com/subscribe/ to get updated on in-depth points and miles content like this, and don’t forget to like and follow us on social media.
Music Credit – Beach Walk by Unicorn Heads
Want to learn more about miles and points? Subscribe to email updates or check out our podcast on your favorite podcast platform.
Yes You can product change this card from a cash back card like GO, but NOT from Korean Air card or any other co branded card. Been there done that.
As you point out the lost cash from use of other cards has now gone up by 50%
It was 2.625c at BofA now it is 4c
I think of Cap One Venture or Citi Double Cash as buying points with 1.3c cost
Now those points will cost me 2c each in lost cash
Ditto the businessPlus Amex
I still use my Amex Platinum for airfare and my Ink Cash for (cough cough) office supply stores, but the lost cash aspect of them is now a toss up.
I can get 200$ cards for free = 8$ cash back here = 5 Ultimate Rewrda @ 1.6c each
= about their value
I predict a devaluation in earn soon, but am going to maximize this while the going is good. Long term if this lasts any other card will only be used for signup bonuses.
This is a great card for the P2
By extension, using the CSR for hotels or restaurants at 3X is like buying points at 1.333 CPP. Greg and Nick, would you be “buying” points at that price?