USB Smartly Replacement

911gt34life · ‎03-16-2025

Assuming USB Smartly will be shutting down what will be replacement any ideas 💡

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swankytiger · ‎03-16-2025

BoA PR, PRE, Unlimited Cash back. 1.5/1.87/2.25/2.625 flat (2/2.5/3/3.5 travel/dining PRE/PR) With Preferred Rewards

Logix CU 3% flat with $100k

Alliant CU 2.5% flat on up to $10k/month spend.

Assuming you are meaning Flat cash back.

Main Cards 1/6 1/12 2/24

Sock Drawer

Chopping Block

AndySoCal · ‎03-16-2025

@swankytiger @911gt34life The Logix option is limited to the following states. The states are CA AZ NV ME NH MD VA MA membership is through the ACC if you do not meet the other membership requirements.

Edited to add MA

FIC Scores XPN v8 805 V2 831 (SDFCU) TUC V 8 800 07/25 EFX Bankcard v8 822 EFX FIC0 v8 807 Vantage score 4.0 817 via JC Penney
JC Penney 10/2008 4,700 US Bank Cash 08/2010 12,000 Citibank Custom Cash 5/2015 14,100, State Dept. FCU 06/2023 25,000 02/2024 Redstone FCU Signature VISA 10,000 08/23/2024 Commonwealth Credit Union 15000 07/25 Walmart One 5000 12/04/25
Banking: Lafayette FCU Fortera FCU State Department FCU Redstone FCU Hughes FCU Commonwealth FCU
My personal blacklist Axos Bank, Bank of America, Synchrony Bank Capital One TD Bank Comerica Bank BMO US Bank Wells Fargo

Anonymous · ‎03-16-2025

@AndySoCal wrote:
@swankytiger @911gt34life The Logix option is limited to the following states. The states are CA AZ NV ME NH MD VA membership is through the ACC if you do not meet the other membership requirements.

MA is listed as well on the new account page. Is the credit card offer not available there?

swankytiger · ‎03-16-2025

Ok for 2.5% flat or better. the only other option is the Robinhood Gold Card. So basically BoA is your only option above 2.5% as the Robinhood card is kinda meh.

Main Cards 1/6 1/12 2/24

Sock Drawer

Chopping Block

Anonymous · ‎03-16-2025

I would wait to see how smartly gets nerfed (assuming it will still be available for application!) So for now, AOD seems good (3% on first $1,500 a month) but it's possible that Smartly will be at least as good as that, with enough funds stored somewhere! If it gets capped at $2000 a quarter, much less attractive and I wouldn't want to "reward" USB by keeping IRA funds there!

AndySoCal · ‎03-16-2025

@Anonymous The error was I accidentally omitted MA from the list. I corrected my post

FIC Scores XPN v8 805 V2 831 (SDFCU) TUC V 8 800 07/25 EFX Bankcard v8 822 EFX FIC0 v8 807 Vantage score 4.0 817 via JC Penney
JC Penney 10/2008 4,700 US Bank Cash 08/2010 12,000 Citibank Custom Cash 5/2015 14,100, State Dept. FCU 06/2023 25,000 02/2024 Redstone FCU Signature VISA 10,000 08/23/2024 Commonwealth Credit Union 15000 07/25 Walmart One 5000 12/04/25
Banking: Lafayette FCU Fortera FCU State Department FCU Redstone FCU Hughes FCU Commonwealth FCU
My personal blacklist Axos Bank, Bank of America, Synchrony Bank Capital One TD Bank Comerica Bank BMO US Bank Wells Fargo

ptatohed · ‎03-16-2025

I still want to see how 'nerfed' the Smartly Visa gets but, I think, at least in part, the Smartly could be replaced with AOD. I agree with LTL, if USB nerfs it too hard, I will feel jaded and I would want to take my $100k out and go elsewhere. But I also think it's too early to know what exactly the nerf, if any, will be. So, let's sit tight for now.

[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)