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Thread: US Bank Smartly Visa, 2-4% cashback on everything.
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Old Oct 21, 2025 | 8:10 am
  #156  
josephstern
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Originally Posted by Boraxo
Originally got this card as a pre-req for a fee waiver on a checking account, but immediately thereafter USB overhauled their accounts, which rendered this account mostly useless to me - except for the 5% bonus categories which include utilities.

I think I previously asked, but does USB ever offer any special redemption promos that offer >.01 cpp? For example something similar to the airline transfer bonus offers from Amex, Crap1, etc. Or should I just transfer my points to my USB bank account now?
Are you sure we're talking about the same card here? The card in this thread is the Smartly with 2% or 4% cashback. I've never seen a 5% carve-out for utilities on it.
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