I thought that I would update the benefits of One card, since I really like(d) it.

But of course, all things change.

The biggest benefit I saw with this card, besides being the usual demand deposit account, was the high yield savings account (not MM) attached to it. That still exists, although the interest rate had declined to 3.75%, matching the market overall.
You have to either DD $500/mo. into the account or keep a balance of $5K in it to get access to the above benefits.

Unfortunately, the other big benefit was the 3% cash back on WM purchases (less the usual exclusions such as GCs and drugs) and the usual 1% back on other purchases.. Unfortunately, that has drastically changed.
Now, you get 3% back on the first $120 of purchases at WM per month. That means that you can earn only $3.60/month at WM using the 3% benefit or $43.20/year. Big Whoop!!
What is more insulting is that you don't get 1% back after that, but rather 0.1% back or $1 on every $1000 spent.

They claim that one can get higher returns using purchases at their special partners, but currently, there are all of 5 or 6, all useless to me.

Bottom line: What was great is now just a good demand deposit account with a high yield savings account attached to it. I will use the card for the first $120 of WM purchases, and then switch to a regular 2% card after that.

Kinda sad, TBH Use ta love this account.

(of course you can keep trying to use it as MS vehicle a la Discover but Costal Bank is pretty harsh on such behavior. This can be confirmed by reading this thread from the beginning.)