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[Live] US Bank Smartly Visa Credit Card - Up to 4% cash back on all purchases $96

$96.00
$100.00
+7 Deal Score
12,500 Views
US Bank Smartly Visa credit card gives up to 4% cash back on all purchases with qualifying deposits. trust or investment accounts in US Bank. Card is metal and no annual fee.

2% cash back: no requirement
2.5% cash back: balance of $5,000 - $49,999
3% cash back: balance of $50,000 - $99,999
4% cash back: balance of $100,000 or more


https://www.usbank.com/credit-car...-card.html
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Created 11-11-2024 at 03:05 PM by XlonMusk
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Deal
Score
+7
12,500 Views
$96.00
$100.00
These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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Joined Nov 2022
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> bubble2 57 Posts
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Original Poster
XlonMusk
11-11-2024 at 03:11 PM.
11-11-2024 at 03:11 PM.
This is very good deal, much better than my 3% cash back catch-all card with my Fidelity Visa that requires $2M in assets with Fidelity.
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Joined May 2006
Up and let's go
> bubble2 3,036 Posts
1,145 Reputation
Farmeroak
11-11-2024 at 03:12 PM.
11-11-2024 at 03:12 PM.
Edit: Nvm, investment accounts, including IRAs, also qualify toward the $100,000 min. Seems like a great deal.

For comparison, Robinhood Gold Card offers 3% on everything, with a required $60/year Robinhood Gold subscription, and offers 4.5% APY no min in savings.
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Last edited by Farmeroak November 11, 2024 at 03:17 PM.
Joined Nov 2005
L4: Apprentice
> bubble2 473 Posts
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monkeyman23
11-11-2024 at 08:55 PM.
11-11-2024 at 08:55 PM.
$50 annual fee on the brokerage account FYI. Im on the fence. Seems odd they'd keep this 4% too long. I wish robinhood gold card wasnt blocked in MA and NH among other states.
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Last edited by monkeyman23 November 12, 2024 at 03:05 PM.
Joined Mar 2009
L6: Expert
> bubble2 1,281 Posts
425 Reputation
kgorilla
11-11-2024 at 09:12 PM.
11-11-2024 at 09:12 PM.
Quote from monkeyman23 :
$50 annual fee on the brokerage account FYI. Im on the fence. Seems odd they'd keep this long. I wish robinhood gold card wasnt blocked in MA and NH along other states.

The rate I saw on MM wasn't that good, so to lose the Y on 100k has me second guessing the "deal". Might look at RH gold card.
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Joined Jul 2010
Expert
> bubble2 4,007 Posts
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mitchflorida
11-11-2024 at 09:20 PM.
11-11-2024 at 09:20 PM.
What is $96 in the headline referring to?
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Joined Dec 2018
L2: Beginner
> bubble2 45 Posts
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omepa
11-11-2024 at 10:43 PM.
11-11-2024 at 10:43 PM.
Quote from mitchflorida :
What is $96 in the headline referring to?
4% off items that are $100.
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Joined Sep 2009
L7: Teacher
> bubble2 3,621 Posts
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aznxenon
11-11-2024 at 11:03 PM.
11-11-2024 at 11:03 PM.
Easiest way to park $5k to get 2.5% without needing to pay any fees?

I considered opening a brokerage account and just put 5k in stocks but the $50 annual fee is weak. Saving account seems to be 4.10% apr if you're at $25k and up, can't figure out the apr for just $5k tho and there's also a $5 fee that you need to do something to get it waived
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Joined Jan 2004
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> bubble2 1,934 Posts
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romodome
11-11-2024 at 11:13 PM.
11-11-2024 at 11:13 PM.
Good deal
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Joined Dec 2005
L11: World Champion
> bubble2 683 Posts
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_DonkeyKong_
11-11-2024 at 11:22 PM.
11-11-2024 at 11:22 PM.
what are the odds they are going to drop this down after we go to the trouble of transferring our assets?
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Joined Apr 2011
L2: Beginner
> bubble2 57 Posts
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cusp
11-12-2024 at 01:52 AM.
11-12-2024 at 01:52 AM.
Quote from Farmeroak :
Edit: Nvm, investment accounts, including IRAs, also qualify toward the $100,000 min. Seems like a great deal.

For comparison, Robinhood Gold Card offers 3% on everything, with a required $60/year Robinhood Gold subscription, and offers 4.5% APY no min in savings.
Do I need to be a Robinhood Gold Member while I am on the waitlist for the Gold Card, or can I start my Gold subscription after I get an invite for the Gold Card?
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Joined Jul 2010
Expert
> bubble2 4,007 Posts
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mitchflorida
11-12-2024 at 04:34 AM.
11-12-2024 at 04:34 AM.
Quote from aznxenon :
Easiest way to park $5k to get 2.5% without needing to pay any fees?

I considered opening a brokerage account and just put 5k in stocks but the $50 annual fee is weak. Saving account seems to be 4.10% apr if you're at $25k and up, can't figure out the apr for just $5k tho and there's also a $5 fee that you need to do something to get it waived
VMRXX is a money market mutual fund that pays out 4.6%. It will vary with the Fed rates.
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Joined May 2006
Up and let's go
> bubble2 3,036 Posts
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Farmeroak
11-12-2024 at 09:04 AM.
11-12-2024 at 09:04 AM.
Quote from cusp :
Do I need to be a Robinhood Gold Member while I am on the waitlist for the Gold Card, or can I start my Gold subscription after I get an invite for the Gold Card?
You can start it afterward, at least I did when I got mine about 6 months ago. I had actually forgotten I was on the waitlist, and had never had a Gold membership, not even a trial.
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Last edited by Farmeroak November 12, 2024 at 09:07 AM.
Joined May 2006
Up and let's go
> bubble2 3,036 Posts
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Farmeroak
11-12-2024 at 09:06 AM.
11-12-2024 at 09:06 AM.
Quote from aznxenon :
Easiest way to park $5k to get 2.5% without needing to pay any fees?

I considered opening a brokerage account and just put 5k in stocks but the $50 annual fee is weak. Saving account seems to be 4.10% apr if you're at $25k and up, can't figure out the apr for just $5k tho and there's also a $5 fee that you need to do something to get it waived
This might sound weird, but I get 4.7% APY on USDC in Coinbase, no min, no fees. You could easily transfer your money to Coinbase like any other bank, convert 1:1 to USDC for free, and you're done, you immediately start earning. Convert back to dollars 1:1 for free anytime and withdraw back to your bank.
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Joined Sep 2014
L4: Apprentice
> bubble2 321 Posts
bodhimind
11-15-2024 at 07:45 AM.
11-15-2024 at 07:45 AM.
To maximize and get the 4% rewards rate, this is all ultimately tied to having $100k in the savings account (which has a $10 fee unless you put $10k in the checking account).

Tempted to make a switch next year after my Capital One bank reward kicks in... but that slightly lower savings account APR (3.8% instead of 4% I'm getting in Ally and other savings accounts) ends up netting around the same since I'm only making about $10-20k of purchases per year... too much work for making $200 per year.

So gotta pay attention to that savings account APR difference.
Confusingly not a Slick Deal due to better savings account APRs out there...
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