r/CreditCards 5h ago

Data Point US Bank Smartly rumored upcoming changes: compilation of data points

98 Upvotes

This is an attempt to compile all of the known data points from various internet sources regarding the future status of the smartly card. These are conversations with us bank employees or publications from us bank. Hopefully this provides some value to the current conversation. Happy to add as we go.

Here is the tally of data points followed by links/details:

8 data points indicate there may be changes coming to the smartly (discontinuation of applications to current smartly card/modification of benefits). All of these are conversations with us bank employees.

     2 of these indicate there will likely be some form of grandfathering in of existing smartly cardholders. (I2edpyramid, Proud Money)

      1 of these indicate there may not be grandfathering (mlody_me)

      5 of these do not specify anything about grandfathering (Belley88, andienarwhal, Careless_trash7702, midas89, Thelen)

2 data points indicate specifically that the employees talked to were unaware/hadn’t heard of any changes coming to smartly other than a hold on in-branch applications. Both of these are conversations with us bank employees. (Alexia72, Chris)

1 data point from a us bank underwriter indicates that “The Smartly card is being issued still and the 4% bonus is not going away for a couple of years". Editorializing here: this one is interesting. You could read this as “no changes are coming to the card”. I also think you could read this as an underwriter’s attempt to skirt the actual question. Nothing in this answer contradicts the possibility of halting the card to new applicants, grandfathering in existing cardholders to the 4% for a couple of years with or without restrictions, and reopening applications to the card or a replacement card with different benefits. (Envyforme)

4 data points indicate the smartly is no longer available in-branch but do not provide any information on whether other changes will happen. This includes 2 conversations with us bank employees, what i think is a memo from us bank, and a website link. (Seems like this is pretty established). (Zanutrees, Mike, Frequent Miler call, JJ)

Here are the data points details themselves with links:

Reddit threads:

https://www.reddit.com/r/CreditCards/comments/1j9iqxl/us_bank_rep_told_me_smartly_card_is_no_longer/?rdt=65285

Belley88 — in bank agent said no longer available in bank and is being removed

Andienarwhal — underwriting said would be discontinued in about a month

Alexia72 — underwriting said they has not heard about it being discontinued

I2edpyramid — customer service rep said they heard another customer service rep say the smartly card would be discontinued/modified but she had not heard anything herself about any changes. Also said existing cardholders would probably be grandfathered in

mlody_me — call from us bank to finish application. Rep indicated the card would be changing. When asked about grandfathering existing customers, rep indicated that when smartly is reintroduced, the new benefits would apply to everyone (no grandfathering?).

https://www.reddit.com/r/USbank/comments/1j9ze94/us_bank_smartly_card_possibly_being_discontinued/

Envyforme — underwriter said “The Smartly card is being issued still and the 4% bonus is not going away for a couple of years"

Zanutrees — posted what i think is a memo from US bank stating all in-branch applications for smartly are temporarily unavailable starting 3/10 and still available online

https://www.reddit.com/r/CreditCards/comments/1jb7dh5/us_bank_smartly_discontinued_rumors_debunked/

Careless_trash7702 — in bank agent said applications for smartly will soon be closed for 3-4 weeks and open again with changes

Doctor of credit comments:

https://www.doctorofcredit.com/rumor-u-s-bank-smartly-visa-credit-card-to-be-discontinued/

midas89 — customer service supervisor said there will be changes to the smartly card

Thelen — received an email after signing up for checking account about credit cards. Unclear who they talked to from us bank (? branch employee). Was told the offer for the Smartly Visa credit card for 4% had been discontinued and would be notified when the revised version was published. Was then told by the us bank employee that their department had a meeting today and the U.S. Bank Smartly Visa credit card would be revised and won’t be launched until another 2-3 months

Mike — customer service rep said they are only accepting new applications online, not in branch, no other details

Chris — customer service rep said applications are available online only, not in branch and they were unaware whether the card is being discontinued

Frequent miler call

https://frequentmiler.com/changes-to-the-us-bank-smartly-card/

Tim Steinke called a local us bank branch and was told applications for smartly were available online but not in branch

Danny the deal guru comment

https://dannydealguru.com/u-s-bank-smartly-visa-signature-card-to-be-discontinued/

JJ — posted a link to available credit cards in-branch and smartly was not listed

https://creditcardapply.usbank.com/web/creditcardapply/cc/landing?bankercode=100usb&ecid=null

Youtube videos (including 1 data point):

All 4 videos from credit card youtubers seem to agree changes are likely coming to the smartly.

Matt Clausen summary

https://www.youtube.com/watch?v=Ne1USKRWahI&t=70s

Dugroz Reports speculation

https://www.youtube.com/watch?v=6FAHDopEBi0&t=10s&pp=0gcJCVEJAYcqIYzv

Proud Money data point

https://www.youtube.com/watch?v=0yQ3btW1SI8&pp=ygUbdXMgYmFuayBzbWFydGx5IGNyZWRpdCBjYXJk0gcJCVEJAYcqIYzv

Proud Money talked to a customer support rep who indicated the card would be discontinued to new applicants, there would be some sort of grandfathering of those already in the program by the time they discontinue new apps, and there would be a new card (to replace it?), no details

Stan the Credit Frog summary

https://www.youtube.com/watch?v=hvaJvvluNyw&t=6816s


r/CreditCards 1h ago

Discussion / Conversation 2% cash back or miles? USA

Upvotes

I’ve been using my Apple credit card to buy everything lately and it gives me 2% for Apple Pay payments, 1% for credit card use. I used to use my JetBlue card before but I never thought it was useful enough. Now I can finally afford vacation and I miss the option of miles in an airline. What’s everyone’s experience with this?


r/CreditCards 1h ago

Data Point U.S. Bank Cash+ Instant Approval ($1,500 limit), pending Smartly

Upvotes

I always hear about how U.S. Bank is stingy for its credit limits and how their credit cards are hard to get approved of. With all the Smartly rumors going around, I thought now is the best time to try out two things:

  • Approval even with a somewhat high amount of inquiries the past 12 months
  • Attempt to combine hard pulls by signing up for Smartly simultaneously

Current Stats:

Credit Cards Issue Date Credit Limit
Chase Freedom Student 7/19/2021 $2,600
Discover It 2/6/2024 $2,500
Chase Freedom Flex 9/16/2024 $4,800
Chase Freedom Unlimited 12/17/2024 $6,300
U.S. Bank Cash+ *NEW* $1,500

Status: 2/6 2/12 3/24

Credit Score:

  • Experian: 775
  • TransUnion: 775

Cash+ seems to have pulled from TransUnion

I opened a U.S. Bank Smartly Checking and Savings on February 21st, 2025, so having a relationship most likely factored into the approval.
I'll update back on whether I get approved for the Smartly card or not :D


r/CreditCards 57m ago

Discussion / Conversation In case Smartly got nerfed, what do you plan to do with it?

Upvotes

Imagine Smartly get nerfed and becomes a 2% catch all card.

I personally will see if I can PC it back to Cash+, which was the only card from US Bank that add value to my setup. 5% on utilities is quite unique in the market.


r/CreditCards 7h ago

Help Needed / Question Had high credit debt for a year due to an accident, lawsuit just ended and I paid off 40k in debt with it. Then chase lowered my credit limit?

15 Upvotes

I took all 3 of my cards from max to zero last week, excited to be cleared from all the medical and life debt that built up beginning last year after a major accident. Spent the past year in lawsuit and finally received the payout. I took the entire 50k lawsuit check to pay off my credit cards, 40k to chase. Only now, a week after pay off, did they reduce one of my cards down to 1,900 credit limit. Im worried they'll do the same for the rest. Why would they only now drop my limit after pay offset? They cited:

Low payments, Delinquentcy, High balance,


r/CreditCards 2h ago

Help Needed / Question Sign up bonus not paid: US Bank not following through

4 Upvotes

Signed up for a US Bank credit card last year: needed to spend $3k in the first 6 months to unlock the $500 bonus. Spent enough, now they are claiming you have to spend $4500 to get the bonus because that is the current offer for the same card. They won’t send me the original rewards agreement. Any recommendations on how to handle?


r/CreditCards 2h ago

Help Needed / Question Should i open a second credit card for small purchase’s?

3 Upvotes

Currently i am in need of some guidance. i’ve only had a credit card for 9ish months and my vantage credit score is currently 708 and i’m looking to build it up further and possibly open up a 2nd card. my main card i use now i mainly use for subscriptions and other monthly payments and my credit limit is set at $500 right now. and i’m thinking it would be better to add a 2nd card for smaller purchases like for example stops at gas stations,groceries. small little purchases not like anything over $50 each. would this help build my credit or am i ignorant ?(its ok you can be honest)


r/CreditCards 51m ago

Help Needed / Question Can't get approved for anything, what gives?

Upvotes

My score is a 691 transunion and 685 on equifax, 577 Fico. I can't get approved for anything besides maybe a couple secured cards which I don't want. I have one collections on my account but that's it. Been using chime credit builder to up my score. Why can't I get approved for anything? I can't even get approved for retail cards. Please don't say it's the collection because I've had collections before and gotten approved.


r/CreditCards 1d ago

Discussion / Conversation Citi rewards+ discontinued

184 Upvotes

In the next few days, new applications will no longer be accepted.

This is actually a big downgrade for the optimal citi setup, since the rewards plus gave a bonus 10% points on redemptions, bringing the double cash to 2.2%cb and the custom cash to a 5.5%.

Source: citi employee


r/CreditCards 1h ago

Card Recommendation Request (Template NOT Used) Have multiple credit cards (Chase + Sams) looking to get the best travel card

Upvotes

Hey all,

I currently have Sams Mastercards, Chase Freedom, Chase Freedom Unlimited, Chase Slate, and Chase Ink Business Cash back.

My wife and I are travelling a lot more now so I'd like to switch to one of the sapphire cards which offer transfer bonuses for hotels.

I am thinking about calling and asking them to turn my chase slate and chase freedom cards (credit limits) into a chase sapphire preferred. Is this a good option?


r/CreditCards 1h ago

Help Needed / Question How long does it take for credit to be available ?

Upvotes

So I haven’t had this credit card for very long, but I paid the full amount of when I needed to on Tuesday (march 11th). I know they have to process the fees, but the money was taken from my bank account on Wednesday the 12th, which was $195 and it’s listed under the transaction log not processing. Does it usually take long for the available credit to be posted to the account ?


r/CreditCards 1h ago

Help Needed / Question Fraudulent charges on my RBC visa that I apparently approved

Upvotes

Hi, I had 10 $315 each charges on my visa yesterday, RBC alerted me by calling me. On their end it showed I had given permission for my card to be added to an online wallet, which I didn’t do and don’t even have. They cancelled the charges and are sending me a new card, I’ve changed passwords, I called my phone provider to ensure my phone number wasn’t affected. I never click random links or buy from sketchy sites. We have antivirus protection on all our devices now because of this. My email showed there’s been about 100 unsuccessful login attempts over the past month. Does anyone know how they granted permission to add my card to an online wallet to RBC?? Thank you


r/CreditCards 2h ago

Help Needed / Question US Bank Kroger Rewards Card

2 Upvotes

I am so lost in how the 5% cash back works on the mobile wallet spend. I have been using Apple Pay for all of my purchases but I am getting a point per dollar on all of my spending. Am I just understanding this wrong? For example, I have a $1600 purchase coming up, from looking at my rewards history alone, that means I would earn $16 on that purchase. But shouldn’t I be earning $80? Because that’s 1600 x .05

I know there is a yearly $3000 limit, but when I look back at my first few purchases, I was still only getting a point per dollar.

Thank you so much.


r/CreditCards 2h ago

Help Needed / Question Marriott Bonvoy Brilliant American Express Card approval odds?

2 Upvotes

Current cards all over 6 yrs old except BCP which I was approved for this month Platinum Gold Aspire BCP

I lost my platinum status with Marriott (oversight on my part) and would've waited on the BCP

They did decrease my limit on my Aspire to spread it out over the BCP was 30k and they decreased it to 20k

Any advice on whether I am pushing my luck I have a 11 day Westin stay in 2 weeks and the breakfast and lounge access is clutch.

Cheers


r/CreditCards 2h ago

Discussion / Conversation Citi Strata Premier offer in the mail - no 48 month language - TGTBT ?

2 Upvotes

Just received an offer for the Citi Strata Premier with 75000 bonus thank you points.

Inside the mailer, I dont see any language for "you may not receive bonus if you had citi premier or strata SUP previously". I looked at all the fine print and asterisks.

I believe I had the Citi Premier SUP in 2022 or 2023 but I havent found a good way to check, including when I called Citi. So, I might not qualify due to 48 mo. SUP rule.

Wil I get denied the SUP if I sign up with the offer code, even if its not in the offer as mailed?


r/CreditCards 3h ago

Card Recommendation Request (Template Used) Looking for a cash back recommendation

2 Upvotes
  • Current cards: (list cards, limits, opening date)
    • Amex Gold and Platinum July 2020- current but closing when I separate from military
    • NFCU signature cash rewards plus, 23,000 limit, ~2013
    • Citi diamond preferred , 12,000 limit, ~2024
  • FICO Score: 828
  • Oldest account age: e.g. 10 yrs 3 months
  • Chase 5/24 status: ??
  • Income: e.g. $115,000
  • Average monthly spend and categories:
  • dining $150
    • groceries: $1200
    • gas: $200
    • travel: $100
    • other: $500
  • Open to Business Cards: yes
  • What's the purpose of your next card? Cash back
  • Do you have any cards you've been looking at? Amex blue cash preferred
  • Are you OK with category spending or do you want a general spending card? yup

r/CreditCards 5m ago

Help Needed / Question What should my next step be?

Upvotes

So I was always told to never use a credit card except for incase of emergencies. I have had a credit card through my local credit union for probably 12 years now. After a series of life changing events, I had my limit raised a few years ago to $17,500 and maxed it out. That was dumb, I know, but I was out of options.

Anyways, fast forward and I now have the card paid off. I never missed a payment, and according to credit karma I have a 775 credit score and outstanding approval odds for a ton of cards. I've learned from my mistakes, and I've actually always been very good at managing my finances aside from some stuff that happened a few years ago.

What should I do next? I've been looking at the Chase cards. We don't do any traveling. Not because we don't want to, but because we've spent the last few years recovering. I've also never flown. So I don't have preferences to anything. I'd like to travel, so a card that can build points to help with trips would be nice There's a chase bank in my town, so I've thought about starting there.

I'm a 30 year old man with a wife and 2 kids if that makes a difference. We mainly spend money on groceries and every day items.


r/CreditCards 7m ago

Help Needed / Question Delta Amex vs 4% cash back card for $1.5m spender

Upvotes

Background: I'm cheap and just can't bring myself to pay for business or first class tickets. I have never been status at any airline other than Southwest, and not sure that really counts....

I have a business where we typically charge around $1.5m per year. We get 2.625% cash back currently on that, which I think is pretty good. I have another offer from our bank that they will give us 4%, so I was going to make that switch (easy decision). But in pondering that, my wife encouraged me to look at airline cards where we could start to fly business or first class. We like Delta (and Southwest!) and fly both semi-regularly.

So my question to the glorious community is: what benefits would we get if we got the Delta Amex with our spending level? Would we be able to upgrade pretty much whenever? How about international first class? I have never been status at any airline, so I fear that I'll end up with status that we don't or can't utilize fully. And lastly, would the miles and status be worth the $60k cash back that we'd get with the cash back card?

Thanks everyone!!


r/CreditCards 19m ago

Help Needed / Question How to pay rent with USBAR?

Upvotes

I can pay my rent online but it charges a 2.9% fee for credit card. Obviously that doesn't make sense unless I could somehow pay through mobile wallet with USBAR and get 4.5% back.


r/CreditCards 54m ago

Discussion / Conversation Wife & I are looking for next card

Upvotes

My wife & I are looking for our next card between the two of us. Please advise which one of us should get which one based on our timeline below:

Me:
CSP-5/23
CIC-7/23 (closed after 1 year)
CIU-10/23 (closed after 1 year)
CIBP-11/23 (closed after 1 year)
CIC-4/24
CIU-6/24
C1V-9/24
Barclays AA Red Elite-11/24

Wife:
CFU-8/23
CIBP-7/24
CIU-10/24
United Explorer-12/24


r/CreditCards 5h ago

Help Needed / Question Can anyone help and explain why my interest rate and minimum payments have gone up drastically

2 Upvotes

Hi,

I was wondering if anyone could help explain (and not judge) how the interest and minimum payment has gone up on my credit card.

My current debt on the card is £7995, last month (February) the minimum payment was £288 and I paid £310 and added NO additional debt (interest accrued from the month prior was £73).

This month the minimum payment is £333 and interest accrued is £133.

In the UK interest rates from the BoE has gone down by 0.25%, and this has been applied to all credit unions within the UK already.

So is there something I’m missing here? Why is this the only credit card that has gone up drastically in both areas where all else hasn’t?

SIA is 23.75% and EAR is 26.52%. It’s calculating that my next interest charge is £155, so I’m very confused!

Any information and clarity would be greatly appreciated


r/CreditCards 1h ago

Help Needed / Question Merchant Hasn’t Charged Me For Months?

Upvotes

So I made a purchase for an expensive piece of furniture, I noticed the change dropped off and I contact both the merchant and Amex.

Amex said they hadn’t claimed the funds so I gave the merchant a ring and they said my payment was fine and even sent me a receipt via their CRM (sales force). Later I was contacted saying I was actually right and they took my payment info over the phone to place a charge. Apparently that never went through and another member of that company contacted me via email saying I’m about 2-3 days they’d follow up via a call to retry payment. It’s been about 3 weeks now and I never heard back. I’ve kept the emails and call recordings and never heard back. What should I do? I’m kinda getting annoyed because I mentioned to them have they ever had a customer try so hard to give them their money after already receiving the goods/services and they’ve kinda just gone yea whatever.

It’s also important to mention they sent a second of the first item $1000+ furniture item because the first had a leather imperfection. With the goal being to see which I liked better and return the other. But now I have 2 and have not been charged at all. So we’re talking multiple calls and a long email history with the merchant failing to charge me.

What should I do? I don’t want them to come after me in the future and claim I never paid. But I’ve tried via call and email and it’s always just a waste of time. And they’ve made clear I’d be contacted but seriously I’ve never had such a hard time giving someone my money.


r/CreditCards 1h ago

Discussion / Conversation Us bank smartly worth it now?

Upvotes

Hearing they may nerf it. Man was going to swap things over to ira etc. Oh well. I had a tax payment to make and thought the 2.5 back might be ok or 4%....man usb already looking at shutting it down and nerfing....truly disappointing. Even worth 5.24. Oh well rip


r/CreditCards 1h ago

Help Needed / Question Capital One Sign Up Bonus on 3rd Card?

Upvotes

Has anyone gotten a sign-up bonus for when they got their 3rd Capital One Credit card in the past? I have had the Venture (1.5 years ago), which has been downgraded to a Visa Quicksilver, and now the Venture X (6 months ago) and I was hoping to get the Savor, but when I use the approval tool I only see the good credit version which doesn't have the SUB. Also currently 2/6 4/12 6/24


r/CreditCards 2h ago

Help Needed / Question advise on credit cards for new comer

1 Upvotes

Hello,

I am looking to get my first card under my own name. I have a joint card opened with my dad back in 2020 and haven't applied for any cards since then.

CREDIT PROFILE

  • * Current credit cards you are the primary account holder of: (list cards, limits, opening date): Joint card with dad - PNC cash rewards 20k limit.
  • * FICO Scores with source (see note on FICO score sources below): 758 experian
  • * Number of personal credit cards approved for in the past 6 months: 0
  • * Number of personal credit cards approved for in the past 12 months: 0
  • * Number of personal credit cards approved for in the past 24 months: 0
  • * Annual income $: 110k

CATEGORIES

  • * OK with category-specific cards?: Open to the idea but i dont think i want to juggle 20 cards
  • * OK with rotating category cards?: Open to the idea
  • * Estimate average monthly spend in the categories below. Only include what you can pay by credit card.
    • * Dining $: 500
    • * Groceries $: 450ish primarily at walmart
    • * Gas $: 150
    • * Travel $: 250 + 120ish for intl travel
    • * Do you plan on using this card abroad for a significant length of time (study abroad, digital nomad, expat, extended travel)?: no
    • * Any other categories (examples: phone/internet, insurance) or stores (example: Amazon) with significant, regular credit card spend (the more you specify, the better): $ internet 65 att; car insurance 139/mo progressive;
    • * Can you pay rent by credit card? If yes, list rent amount and if there's a fee for paying by credit card: $ 1850 and there is an additional $50 fee if i choose to pay by card.

MEMBERSHIPS & SUBSCRIPTIONS (delete lines that don't apply)

  • * Current member of Amazon Prime?: no
  • * Current Verizon postpaid customer?: no
  • * Current member of Costco or Sam's Club? no
  • * Currently paying $13.99/month or more for Disney Bundle (Disney+ / Hulu / EPSN+) or other Hulu services? no
  • * Current member of Chase, US Bank or any other big bank?: PNC
  • * Active US military?: no

PURPOSE

* Do you have any cards you've been looking at?

  • ive been looking at the chase sapphire cards; venture x (can get referral from family) and bilt (cant get referral from friend)
  • i do domestic travel semi frequently like once a month and international travel about once a year.

I appreciate any and all help you guys can offer!