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Thread: US Bank Smartly Visa, 2-4% cashback on everything.
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Old Aug 9, 2025 | 11:42 am
  #143  
ffI
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Originally Posted by josephstern
Seems pretty clear to me that it takes effect as of 9/15/25. I assume that if I make charges on 9/14, they'll be under the old rules.
Honestly why bother with the risk and hassle? Pay on Sep 10!
Even a 100k payment paid 5 days early will lose 5/365 of ~3.65% savings interest rate = 0.05% = about 50$ pre tax and about 30$ post tax.
You get guaranteed 2% extra = 2000$ for the 100k - why risk 2000$ for 30$ ??
For smaller amonts the math is quite similar but smaller
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