Smartly V1 is changing on September 15th

creditrizz · ‎07-31-2025

Received the same letter. I've paid some income taxes with the card in the past, and have some coming up that I postponed since we received a natural disaster exemption until 10/15. Will go ahead and pay these all with the Smartly before 9/15. My feeling is that there will be additional Nerfs or even a discontinue coming either way, so I'm not going to bother trying to be careful with the card. The rate at which they've been crushing this program makes me think they're definitely not done yet.

Equifax:833, TransUnion:830, Experian: 832

ptatohed · ‎07-31-2025

My friend who got the card (v1.0) per my advice, but is not a member here, received the same letter all of us got. I would love to see a different version letter (if it even exists?).

[Until I can make a pretty signature, here’s an updated draft]

Everyday 5% CB:
Chase prime Visa // citi CUSTOM CASH “A” // citi CUSTOM CASH “B” // citi SHOP YOUR WAY (5% gas (in points), lucrative spending offers) // mylowe’s Rewards // Target circle card // primis Perks debit Visa (50c CB per transaction (5% CB or more up to $10 spend))

5% CB rotating:
Chase “OG” freedom Visa // DISCOVER it Cash Back // nusenda CU Platinum Cash Rewards

Everyday 4% CB:
US Bank Smartly (v1.0)

Everyday 3% / 2.2% CB:
AOD FCU Visa Signature (3%, sockdrawered) // upgrade Cash Rewards Elite (2.2%, sockdrawered)

Welcome Offer / credits only:
Chase SAPPHIRE PREFFERED (grabbed my $1,000, sockdrawered, will cancel) // NFCU FLAGSHIP REWARDS (elevated Welcome Offer, annual prime credit, sockdrawered)

Hotel card:
Chase IHG ONE REWARDS PREMIER (elevated Welcome Offer, 1 free night/yr)

On my radar:
Langely FCU Signature Cash Back (5% CB monthly selectable cat) // Safe CU Cash Back+ (Quarterly rotating 5% CB cats plus bonus cats) // upgrade MyFive Cash Rewards (5% CB monthly selectable cat) // US Bank Kroger (and family) World Elite Master Card(s) (5% CB Mobile Wallet)

G2244 · ‎08-01-2025

@ptatohed wrote:
My friend who got the card (v1.0) per my advice, but is not a member here, received the same letter all of us got. I would love to see a different version letter (if it even exists?).

Someone on reddit has a post with a link to the image of full nerf.

https://imgur.com/a/oorrH4S

5% Capped Cash Back:

US Bank Cash+ Visa Signature - Phone & Utilities $2000/calendar quarter

Citi Custom Cash Mastercard World Elite - Restaurants $500/statement

4% ~~Unlimited~~ Capped Cash Back:
 

US Bank Altitude Connect Visa Signature - Travel (Unlimited) and Gas/EV Charging $1000/statement quarter

US Bank Smartly Visa Signature v1 (OG) for Everything Else - $10000/statement

3% Unlimited Points:

ATMOS Rewards Summit Visa Infinite - Dining & Foreign Purchases

Holding As Back Up Plan For Future US Bank Nerfs (3% Capped Cash Back):

US Bank Altitude Reserve Visa Infinite - Mobile Wallet $5000/statement

Waiting to see which issuer takes over:

Apple Card Mastercard World Elite - 0% Financing on Apple Purchases

swankytiger · ‎08-01-2025

@G2244 wrote:
@ptatohed wrote:
My friend who got the card (v1.0) per my advice, but is not a member here, received the same letter all of us got. I would love to see a different version letter (if it even exists?).
Someone on reddit has a post with a link to the image of full nerf.
https://imgur.com/a/oorrH4S

also others on boggleheads have gotten the full.

Main Cards 1/6 1/12 4/24

Sock Drawer

Chopping Block

bs1234 · ‎08-01-2025

I got the letter yesterday but got followup emails today. Haven't seen others mention emails, are they sending them all out today. Basically a recap of the letter

phantasm · ‎08-01-2025

Got the email today (been out of town) and ran to the forums. Got the minor nerf but the exclusion of insurance and taxes is annoying. I am likely going to shift that back over to AOD for insurance at least to get the 3% CB. RH states 3% CB on all categories except rent and taxes, so that might be a good fallback for education. P2 will be happy since it will still be the single card to use for most domestic transactions.

Starting Score: 800
Current Score: 836
Goal Score: 850

Take the myFICO Fitness Challenge

ptatohed · ‎08-01-2025

@G2244 wrote:
@ptatohed wrote:
My friend who got the card (v1.0) per my advice, but is not a member here, received the same letter all of us got. I would love to see a different version letter (if it even exists?).
Someone on reddit has a post with a link to the image of full nerf.
https://imgur.com/a/oorrH4S

Thanks G2. Ouch!!!!

[Until I can make a pretty signature, here’s an updated draft]

Everyday 5% CB:
Chase prime Visa // citi CUSTOM CASH “A” // citi CUSTOM CASH “B” // citi SHOP YOUR WAY (5% gas (in points), lucrative spending offers) // mylowe’s Rewards // Target circle card // primis Perks debit Visa (50c CB per transaction (5% CB or more up to $10 spend))

5% CB rotating:
Chase “OG” freedom Visa // DISCOVER it Cash Back // nusenda CU Platinum Cash Rewards

Everyday 4% CB:
US Bank Smartly (v1.0)

Everyday 3% / 2.2% CB:
AOD FCU Visa Signature (3%, sockdrawered) // upgrade Cash Rewards Elite (2.2%, sockdrawered)

Welcome Offer / credits only:
Chase SAPPHIRE PREFFERED (grabbed my $1,000, sockdrawered, will cancel) // NFCU FLAGSHIP REWARDS (elevated Welcome Offer, annual prime credit, sockdrawered)

Hotel card:
Chase IHG ONE REWARDS PREMIER (elevated Welcome Offer, 1 free night/yr)

On my radar:
Langely FCU Signature Cash Back (5% CB monthly selectable cat) // Safe CU Cash Back+ (Quarterly rotating 5% CB cats plus bonus cats) // upgrade MyFive Cash Rewards (5% CB monthly selectable cat) // US Bank Kroger (and family) World Elite Master Card(s) (5% CB Mobile Wallet)

NoMoreE46 · ‎08-01-2025

Here are screenshots of my

emailed version:

ptatohed · ‎08-01-2025

Got the email today too. Basically the same as the mailed letter.

[Until I can make a pretty signature, here’s an updated draft]

Everyday 5% CB:
Chase prime Visa // citi CUSTOM CASH “A” // citi CUSTOM CASH “B” // citi SHOP YOUR WAY (5% gas (in points), lucrative spending offers) // mylowe’s Rewards // Target circle card // primis Perks debit Visa (50c CB per transaction (5% CB or more up to $10 spend))

5% CB rotating:
Chase “OG” freedom Visa // DISCOVER it Cash Back // nusenda CU Platinum Cash Rewards

Everyday 4% CB:
US Bank Smartly (v1.0)

Everyday 3% / 2.2% CB:
AOD FCU Visa Signature (3%, sockdrawered) // upgrade Cash Rewards Elite (2.2%, sockdrawered)

Welcome Offer / credits only:
Chase SAPPHIRE PREFFERED (grabbed my $1,000, sockdrawered, will cancel) // NFCU FLAGSHIP REWARDS (elevated Welcome Offer, annual prime credit, sockdrawered)

Hotel card:
Chase IHG ONE REWARDS PREMIER (elevated Welcome Offer, 1 free night/yr)

On my radar:
Langely FCU Signature Cash Back (5% CB monthly selectable cat) // Safe CU Cash Back+ (Quarterly rotating 5% CB cats plus bonus cats) // upgrade MyFive Cash Rewards (5% CB monthly selectable cat) // US Bank Kroger (and family) World Elite Master Card(s) (5% CB Mobile Wallet)

EasyMark · ‎08-05-2025

Speaking of USBank cards, it seems like everybody today got emails with modest SYW-like purchase offers, except me - I was 0 for 8!

Re: Smartly V1 is changing on September 15th

Re: Smartly V1 is changing on September 15th

Re: Smartly V1 is changing on September 15th

Re: Smartly V1 is changing on September 15th

Re: Smartly V1 is changing on September 15th

Re: Smartly V1 is changing on September 15th

Re: Smartly V1 is changing on September 15th

Re: Smartly V1 is changing on September 15th

Re: Smartly V1 is changing on September 15th

Re: Smartly V1 is changing on September 15th