topic US Bank cash back deals in Credit Cards

US Bank cash back deals

NoMoreE46 — Tue, 14 Jan 2025 02:55:41 GMT

Activated these cash back offers from my Smartly:

$30 from Best Buy
$20 Groceries.

Re: US Bank cash back deals

ptatohed — Tue, 14 Jan 2025 06:55:27 GMT

46, where are you finding these? In your dashboard's 'Cash-back deals'? I have 33 Cash-back deals but not these.

Re: US Bank cash back deals

NoMoreE46 — Tue, 14 Jan 2025 12:28:02 GMT

@ptatohed wrote:
46, where are you finding these? In your dashboard's 'Cash-back deals'? I have 33 Cash-back deals but not these.

Yes these are available in the cash back deals for me.

It may be ymmv situation.

In three years, I never have gotten any decent ones that I read about from Chase. Case in point. I aint privy to this recent offer:

https://ficoforums.myfico.com/t5/Credit-Cards/New-Chase-quot-My-Bonus-quot-Offer-1Q-2025/m-p/6805137#M1881255

Re: US Bank cash back deals

crystal626 — Tue, 14 Jan 2025 20:19:31 GMT

It seems to suggest at the bottom that these are only for those with Smartly checking accounts.

https://www.usbank.com/bank-accounts/checking-accounts/smart-rewards.html

Re: US Bank cash back deals

Anonymous — Tue, 14 Jan 2025 21:02:30 GMT

@crystal626 wrote:
It seems to suggest at the bottom that these are only for those with Smartly checking accounts.

https://www.usbank.com/bank-accounts/checking-accounts/smart-rewards.html

Not to whine too much, well maybe:

"Unlimited free U.S. Bank ATM transactions"

Are there checking accounts at some (major) institutions where same bank ATM transactions aren't free? And this isn't strictly a free checking account!

Re: US Bank cash back deals

CreditCuriosity — Tue, 14 Jan 2025 21:30:14 GMT

@crystal626 wrote:
It seems to suggest at the bottom that these are only for those with Smartly checking accounts.

https://www.usbank.com/bank-accounts/checking-accounts/smart-rewards.html

Not the case as have both of these and dont have smarty checking just state farm checking and use it for cashing out of rewards from cash+ and AR card and go rewards.

Re: US Bank cash back deals

NoHardLimits — Tue, 14 Jan 2025 21:39:28 GMT

@CreditCuriosity wrote:
@crystal626 wrote:
It seems to suggest at the bottom that these are only for those with Smartly checking accounts.

https://www.usbank.com/bank-accounts/checking-accounts/smart-rewards.html
Not the case as have both of these and dont have smarty checking just state farm checking and use it for cashing out of rewards from cash+ and AR card and go rewards.

I have no US Bank deposit accounts (Smartly, State Farm, or anything else), just 3 credit cards. I have 85 Cash-back Deals, but not OP's cited Best Buy or groceries offers.

Re: US Bank cash back deals

NoMoreE46 — Wed, 15 Jan 2025 00:20:32 GMT

@CreditCuriosity wrote:
@crystal626 wrote:
It seems to suggest at the bottom that these are only for those with Smartly checking accounts.

https://www.usbank.com/bank-accounts/checking-accounts/smart-rewards.html
Not the case as have both of these and dont have smarty checking just state farm checking and use it for cashing out of rewards from cash+ and AR card and go rewards.

No checking acct with them.

Re: US Bank cash back deals

G2244 — Wed, 15 Jan 2025 14:48:21 GMT

US Bank does a pretty bad job of explaining their overlapping programs. As I understand it is as follows.

For all of their credit/debit products, they offer "Cash-back deals." These are the ones it seems all users see. There are no special limits on banking other than a card relationship of some kind.

Next up are "Exclusive cash-back deals." These are the ones referred to in opening post of this thread. According to the US Bank site, these require enrollment in Smart Rewards (a separate step to take) as well as meeting the minimum threshold for the Primary Level. It states:

Exclusive cash-back deals across top merchants/categories with an eligible and open U.S. Bank Personal Credit Card

(Cardmembers who have both a personal credit card account and a business credit or charge card account with U.S. Bank are not eligible for these offers.)

What makes it all even more confusing is that *both* types show up in the same place in your account. As I have gotten in deeper with US Bank (enrolling in Smartly Rewards, etc.) and hit the threshold, I have seen these exclusive offers start to show up for me where they have not in the past. Regardless, is all overly confusing.

Re: US Bank cash back deals

digitek — Thu, 16 Jan 2025 22:43:05 GMT

@CreditCuriosity wrote:
@crystal626 wrote:
It seems to suggest at the bottom that these are only for those with Smartly checking accounts.

https://www.usbank.com/bank-accounts/checking-accounts/smart-rewards.html
Not the case as have both of these and dont have smarty checking just state farm checking and use it for cashing out of rewards from cash+ and AR card and go rewards.

This kind of explains why you see them CC, State Farm accounts are automatically granted the $20k asset tier in the Smartly Rewards system for some reason, it is in the fine print of the program details.

Not sure why NoMore is seeing them but some people online report getting them without being in the Smartly Rewards program at all, but those seem to be outliers.

The "exclusive offers" in the cash back deals section will look slightly different like the first pic, they will say Smart Rewards in red across the top.

Re: US Bank cash back deals

NoMoreE46 — Thu, 23 Jan 2025 18:17:41 GMT

Here is another I got:

Re: US Bank cash back deals

ptatohed — Thu, 23 Jan 2025 19:16:45 GMT

@NoMoreE46 wrote:
Here is another I got:

Ok, now you are just bragging 46!!!!

Re: US Bank cash back deals

IcyCool7227 — Thu, 23 Jan 2025 22:38:53 GMT

Does the Cash Plus card get these kinds of offers too or only the Smartly card?