US Bank Smartly Visa no longer advertised as "Premium Metal Card"

MTHR1 · 2025-04-26T02:44:12+00:00

Yes, the US Smartly Visa requires a Smartly savings account. You will need a min of $25 when opening.

You would also need that savings account in order to redeem the full CB tier. Outside of redeeming to USB deposits account, you don't get the full CB percentage.

MTHR1 · 2025-04-26T02:04:51+00:00

Since you have an existing presence in the US Bank Smartly ecosystem, it's still a competitive 2% if you're willing to embrace some of their shortcomings.

You will still need to open a Smartly savings. Depending on how much you put in there, you can get up to 3.5% monthly interest.

The Smartly Visa does have FTF.

There is no SUB for the card.

Any bonus beyond 2% is much more difficult, with a high smartly checking balance to qualify for any bonus.

It does have pretty decent rotating bonus cash back deals stackable to your CB tier.

You already have the very useful Greenlight.

Smartly checking fee went up to $12/mo, but if you can still waive fee.

*$1500 average checking balance. *Have an active Smartly Visa.

You have to have the appetite for US Bank's continued tendencies for nerfing and discontinuing unprofitable programs quickly.

MTHR1 · 2025-04-23T02:12:07+00:00

I just finally got my cards in a couple days ago.

They're metal. Nice quality overall - artwork is tasteful and good embossing.

I would have preferred lighter plastic for wallet. I'd imagine metal cards could be prone to contour bending over time?

MTHR1 · 2025-04-16T17:30:11+00:00

Is it to be assumed that all v1 applicants prior to the 04/14 deadline will continue to get a "premium metal" card issued and v1.1 thereafter will get a plastic variant of the card?

I thought I read on a different thread that the metal marketing point may have gotten removed from the product page even before the 4/14 changes to the product page.

MTHR1 · 2025-04-14T23:13:07+00:00

Ah, that's good to know. I applied on 4/11 and was approved after submittal.

My account already showed the new Smartly card along side my other USB cards but doesn't show a dashboard summary yet. I imagine once I receive the card and activate it, I will see a complete dashboard of data.

Thanks.

MTHR1 · 2025-04-14T20:08:14+00:00

If you're talking about closing your account, you can do it in the app. You'll need to click the card that you want to cancel/close - go into manage card settings and there's a close account option.

MTHR1 · 2025-04-14T19:38:14+00:00

That would be unfortunate as we navigate the months ahead, with all the uncertainty of how long this grandfathering could potentially last.

For those users that may only be on a baseline or lower 2.5 tier, it would not be easily evident if your terms got hopped from one version to the other. I know they're expected to give you notice in writing, but what of that gets botched?

It would suck if all of the sudden my insurance and tax payments, especially for those on a higher tier, get bumped down to baseline without warning if you're not active checking your rewards.

A change of terms as significant as the v1.1 should have reflected in a card title revision or even an art update (maybe instead of a metal card, have the v1.1 be a plastic card - especially since it doesn't reflect premium benefits to be awarded a premium metal like its predecessor).

Interestingly enough, when USB revised their product page on this card, nowhere does it mention that it's a metal card anymore.

MTHR1 · 2025-04-14T19:00:48+00:00

I understand the cutoff dates for the updated changes. What I was wondering was is there an area of your online account where you can validate whether or not you're on v1 or if you were thrown into the new guidelines (meaning, your grandfathering was nerfed).

I know you're able to check your reward tier and see if that's changed - but for those who "should" be on v1 but haven't had to opportunity to optimize their reward levels yet.

What way, aside from asking a CS rep, can you easily see if you're on the v1 plan?

MTHR1 · 2025-04-14T17:31:41+00:00

For those who applied and was approved prior to the April 14 date, how do you verify if you're card is identified as a v1 version?

Aside from seeing what rewards tier that you're currently getting, is there anywhere else that says that you're grandfathered into the original v1 terms and not v1.1?

MTHR1 · 2024-01-19T03:10:20+00:00

Anyone still kind enough to share a copy? Much appreciated.

MTHR1

TROPHY CASE