Simple tin foil hat design.
I remember when 3% AOD was king and every single time I saw any correspondence from AOD, I was convinced that was the end. I'm trying not to be paranoid with 4% Smartly. Just take it day by day, ride the wave as far as it will take me, don't spend any time worrying. 
@ptatohed wrote:I remember when 3% AOD was king and every single time I saw any correspondence from AOD, I was convinced that was the end. I'm trying not to be paranoid with 4% Smartly. Just take it day by day, ride the wave as far as it will take me, don't spend any time worrying.
I am in pretty deep with USB now and still just take it day by day as well. I expect some nerfing at some point but until then, am just using a strategy that works well for me. When it no longer works for me, I will switch it up. People can bash USB all day long (and they are not off base really) but for those of us still in the game with them, it is a lucrative ride.
As far as the original post, I did think the same thing possible. However, they have been good about announcing things a month or two out and figure with the switch to US Bank Advisors, they would have gotten that out there if that had been the plan all along to make those accounts get treated differently. Time will tell.
SQUAD: 
@ptatohed wrote:I remember when 3% AOD was king and every single time I saw any correspondence from AOD, I was convinced that was the end. I'm trying not to be paranoid with 4% Smartly. Just take it day by day, ride the wave as far as it will take me, don't spend any time worrying.
I'm happy the AOD continues to be around. Even with a $1500 a month limit on the 3%, it's still a great card for my usage patterns and monthly spend.
Of course, it's slowly getting displaced by the US Bank Kroger card. 5% with Apple Pay means I don't use my AOD in person much anymore and sites online are starting to take Apple Pay too (which unlike Google Pay, still counts as mobile wallet for this card).
@crystal626 wrote:
Of course, it's slowly getting displaced by the US Bank Kroger card. 5% with Apple Pay means I don't use my AOD in person much anymore and sites online are starting to take Apple Pay too (which unlike Google Pay, still counts as mobile wallet for this card).
Not necessarily. If you use Google Pay on an Android device within an app, you will get the 5% mobile. Works for me. I have Apple Pay also (Apple device), but have yet to not find a way to get Google Wallet to work on Android. So far if they accept one they accept the other.
Citi:
US Bank:
Chase:
Aven:
RH:
@crystal626 wrote:
@ElvisCaprice wrote:
@crystal626 wrote:
Of course, it's slowly getting displaced by the US Bank Kroger card. 5% with Apple Pay means I don't use my AOD in person much anymore and sites online are starting to take Apple Pay too (which unlike Google Pay, still counts as mobile wallet for this card).
Not necessarily. If you use Google Pay on an Android device within an app, you will get the 5% mobile. Works for me. I have Apple Pay also (Apple device), but have yet to not find a way to get Google Wallet to work on Android. So far if they accept one they accept the other.
Right, I meant I can use Apple Pay on my Mac or with a browser on my iPhone and it will still count as mobile wallet. I don't have to use their apps. Any Apple Pay transaction is coded as mobile wallet.
Yes, but most legit businesses have an app. And if they accept Apple Pay, they also accept Google Pay. But I get you, just nice to use on the laptop/phone browser and not worry about it, if accepted, for the 5% mobile to be triggered.
@ptatohed wrote:I remember when 3% AOD was king and every single time I saw any correspondence from AOD, I was convinced that was the end. I'm trying not to be paranoid with 4% Smartly. Just take it day by day, ride the wave as far as it will take me, don't spend any time worrying.
It's all any of us can do with any card, really. Credit card nerfs are inevitable, but when/how they happen can vary so widely.
APR 
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