{"id":170369,"date":"2025-04-04T05:12:34","date_gmt":"2025-04-04T05:12:34","guid":{"rendered":"https:\/\/peraltafinancing.com\/business\/finance\/up-to-4-cash-back-w-100000-in-qualifying-balances-my-money-blog\/"},"modified":"2025-04-04T05:12:34","modified_gmt":"2025-04-04T05:12:34","slug":"up-to-4-cash-back-w-100000-in-qualifying-balances-my-money-blog","status":"publish","type":"post","link":"https:\/\/fivemor.com\/?p=170369","title":{"rendered":"Up to 4% Cash Back w\/ $100,000 in Qualifying Balances \u2014 My Money Blog"},"content":{"rendered":"<p> <br \/>\n<\/p>\n<div>\n<p><strong>Update 4\/2\/25:<\/strong> <a href=\"https:\/\/www.doctorofcredit.com\/rumored-nerf-u-s-bank-smartly-changes-after-april-14th-exclusions-on-4-earn-tax-etc-brokerage-funds-exclusion-for-new-signups\/\" target=\"_blank\">Doctor of Credit<\/a> reports a <a href=\"https:\/\/www.reddit.com\/r\/CreditCards\/comments\/1jp5pz3\/rumor_updated_changes_to_the_us_bank_smartly_visa\/\" target=\"_blank\">Reddit rumor<\/a> that the US Bank Smartly credit card will be undergoing some major negative changes as of 4\/14\/25.   This includes:<\/p>\n<ul>\n<li>Base is still 2% cash back on unlimited amounts.  Bonus cash back (up to another 2% for a total of 4%) is capped to $10,000 in purchases per statement cycle.<\/li>\n<li>Bonus cash back now excludes: Educational\/school, gift cards, insurance, taxes, business to business transactions, and 3rd party bill payments.<\/li>\n<li>For new cardmembers after April 14th, only checking account balances count now towards the $10k\/$50k\/$100k deposit requirements.   Critically, savings account balances and investment balances do <em>not<\/em> count after 4\/14 for new cardmembers.   Existing customers will be grandfathered in for now.\n<\/li>\n<\/ul>\n<p>Again, the above is a <strong>rumor<\/strong>.  However, I do believe the following are true:<\/p>\n<ul>\n<li>There is basically no way that this card can continue to exist without some sort of added restrictions.   4% with no cap simply does not math out, as I guarantee that some people are paying $100,000 in college or private school tuitions, $300,000+ in tax bills on this card, and who knows how many business transactions between \u201cfriendly\u201d parties\u2026<\/li>\n<li>US Bank has a history of first rolling out a consumer-friendly product, and then later pulling it from the market or changing the features.<\/li>\n<li>US Bank also has a history of grandfathering in existing customers of those products and continuing to offer them some\/all of the old features.<\/li>\n<\/ul>\n<p>Therefore, I see two possible actionable responses:<\/p>\n<ol>\n<li>Giving up on this Smartly card and not applying at all, and possibly avoiding the US Bank ecosystem altogether.   It\u2019s hard to work with unreliable people.   If these changes take place, after 4\/14 the lost interest on $100,000 in cash will outweigh the extra 2% by a good margin.<\/li>\n<li>Working extra fast right now in order to open up your US Bank Smartly savings account (this seems to be the easiest to open), then Smartly checking w\/ <a href=\"https:\/\/www.usbank.com\/splash\/checking\/2025-all-market-checking-offer.html\">bonus<\/a>, then the US Bank self-directed brokerage account, fund it with $100,000, and apply for the Smartly credit card all as soon as possible, definitely before the rumored 4\/14 deadline.  Take advantage of the fact that they probably have to grandfather in these current terms at least for a year or so, otherwise in theory they would be bait-and-switching and might get in trouble.<\/li>\n<\/ol>\n<p>Since my last update, I opened a new US Bank brokerage account, moved over $101,000 in cash, and then invested it all into the SGOV ETF that holds Treasury Bills.   (I could have moved over stock ETFs instead, but I had the cash available.)   I then applied for the Smartly credit card and was approved with a $25,000 limit despite my previous lack of \u201cpre-approval\u201d.    I was hoping that reaching their top rewards tier first would encourage them to approve my new card, and maybe it helped.   I\u2019m okay with accepting the rumored changes as long as they grandfather me in on the brokerage balances; it could have been worse.      What do you think?<\/p>\n<p>I just took a quick look at the <a href=\"https:\/\/www.usbank.com\/credit-cards\/bank-smartly-visa-signature-credit-card.html\" target=\"_blank\">application page<\/a>.   Everything still looks the same as before as of today.   I did take some screenshots in case there are subtle changes later.<\/p>\n<p><strong>Update 11\/11\/24:<\/strong> Applications for this card are now open.  No sign-up bonus.  It let me check if I was \u201cpre-approved\u201d with a soft pull (had to unfreeze TransUnion for it to work), but I was not pre-approved.  That might be because I recently applied for the Altitude Reserve (now-discontinued) after setting up a Smartly Checking and Savings account to get \u201cin\u201d with them but was getting impatient (was denied for US Bank credit cards in the past without a banking relationship due to my geographic area).   Will have to sit this one out for now, but plan to try again later if they don\u2019t pull it quickly.   <\/p>\n<p>Original pre-review post:<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.mymoneyblog.com\/wordpress\/wp-content\/uploads\/2024\/09\/smartlycc_gif.gif\" alt=\"\" width=\"720\" height=\"372\" class=\"aligncenter size-full wp-image-80908\" \/><\/p>\n<p>US Bank recently announced the <a href=\"https:\/\/www.usbank.com\/credit-cards\/bank-smartly-visa-signature-credit-card.html\" rel=\"noopener\" target=\"_blank\">US Bank Smartly Visa Signature Card<\/a>, a new rewards credit card that offers up to 4% cash back on all purchases, if you have enough qualifying balances with them.   This is the newest entrant to relationship banking, where banks offers you extra perks for combining multiple account types with them like savings accounts and investment\/retirement accounts.<\/p>\n<p>The card is not open to applications yet, but you can get on an e-mail waitlist.   Here are the details of how that \u201cup to 4% cash back\u201d breaks down according to this <a href=\"https:\/\/ir.usbank.com\/news-events\/news\/news-details\/2024\/U.S.-Bank-unveils-industry-leading-card-savings-combination\/default.aspx\" rel=\"noopener\" target=\"_blank\">US Bank press release<\/a> and <a href=\"https:\/\/www.cnbc.com\/select\/us-bank-smartly-visa-credit-card\/\" rel=\"noopener\" target=\"_blank\">CNBC article<\/a>.  <\/p>\n<p><strong>Base rewards of 2% cash back on all purchases, with no limit.<\/strong>   Technically, this card earns 2 points per $1 spent in eligible net purchases.   In order get 2% cash back, you must redeem those points into an eligible U.S. Bank checking or savings account.<\/p>\n<p><strong>Bonus rewards of 0.5%, 1% or 2% cash back based on your qualifying combined balances at US Bank.  You must also have an open Bank Smartly Savings account.<\/strong>  Your qualifying combined balances with U.S. Bank include \u201copen consumer checking account(s), money market savings account(s), savings account(s), CDs and\/or IRAs, U.S. Bancorp Investments and personal trust account(s).\u201d Business accounts, commercial accounts, and the Trustee only (IFI) client relationship do not qualify.<\/p>\n<ul>\n<li><strong>$5,000 \u2013 $49,999.99 earns 2.5% total cash back.<\/strong> Total of 2.5 Points per $1 (a base of 2 Points plus the Smartly Earning Bonus of 0.5 Points),<\/li>\n<li><strong>$50,000 \u2013 $99,999.99 earns 3% total cash back.<\/strong> Total of 3 Points per $1 (a base of 2 Points plus the Smartly Earning Bonus of 1 Point).<\/li>\n<li><strong>$100,000+ earns 4% total cash back.<\/strong> Total of 4 Points per $1 (a base of 2 Points plus the Smartly Earning Bonus of 2 Points).<\/li>\n<\/ul>\n<p>Other bits: CNBC article reports no annual fee.  Points will expire if there is no reward, purchase, or balance activity on your account for 12 consecutive statement cycles.   Bank Smartly Credit Card and Bank Smartly Savings available in all 50 states.<\/p>\n<p><strong>Bank Smartly savings account.<\/strong>   Let\u2019s take a closer look at the <a href=\"https:\/\/www.usbank.com\/bank-accounts\/savings-accounts\/bank-smartly-savings.html\" rel=\"noopener\" target=\"_blank\">Bank Smartly Savings account<\/a>, which also earns difference rates based on both your balance inside the Smartly savings account itself AND your qualifying combined balances at US Bank.   Here\u2019s their <a href=\"https:\/\/www.usbank.com\/dam\/documents\/pdf\/savings\/smartly-savings-rate-table-disclosures-deposit-products.pdf\" rel=\"noopener\" target=\"_blank\">current interest rate grid<\/a>, updated as of 9\/3\/2024.  <\/p>\n<p><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.mymoneyblog.com\/wordpress\/wp-content\/uploads\/2024\/09\/smartlysavings.gif\" alt=\"\" width=\"720\" height=\"506\" class=\"aligncenter size-full wp-image-80901\" \/><\/p>\n<p>Importantly, these rates can change at any time.  But right now, if you have at least $25k in Smartly and $25k in combined qualifying combined balances across US Bank, you can get the current top rate of 4.10% APY.<\/p>\n<p>There is also a $5 monthly maintenance fee, which is waived if you have a Bank Smartly\u00ae Checking account (or Safe Debit account which also costs $4.95 a month).   The <a href=\"https:\/\/www.usbank.com\/bank-accounts\/checking-accounts\/bank-smartly-checking.html\" rel=\"noopener\" target=\"_blank\">Bank Smartly\u00ae Checking account<\/a> itself has a $6.95 monthly fee, waived with $1,500+ average account balance, qualifying U.S. Bank consumer credit card, or combined monthly direct deposits totaling $1,000+.  <\/p>\n<p>Therefore, technically if you get this credit card, that would make the Bank Smartly Checking account free, which in turn would make the Bank Smartly Savings account free.  Right now there is also a <a href=\"https:\/\/www.usbank.com\/splash\/checking\/2024-all-market-checking-offer.html\" rel=\"noopener\" target=\"_blank\">$450 bonus<\/a> for new Bank Smartly Checking customers with a direct deposit requirement.<\/p>\n<p><strong>Rough opportunity costs with depositing cash at Bank Smartly Savings.<\/strong> Let\u2019s try some rough theoretical numbers.   Let\u2019s say you actually have $100,000 in cash lying around, but you could get ~5.10% APY elsewhere and so you would be giving up ~1% APY to park your money at US Bank instead.   If you held all of it at Bank Smartly Savings to qualify for the 4% cash back on the credit card, you\u2019d be giving up $1,000 in taxable interest each year ($100,000 x 1%). <\/p>\n<p>In exchange, you are getting 2% extra cash back over your existing, flat 2% cash back card.   Cash back rewards are generally considered non-taxable as they are a rebate on your purchase.   If you assume a marginal tax rate of 0% (this is just a guess), then you\u2019d need $50,000 in annual purchases ($4,166 a month) at 2% extra cash back to break even with the hit from the lower interest.    If you assume a marginal tax rate of 22%, then you\u2019d need a little less: $39,000 in annual purchases ($3,350 a month) at 2% extra cash back to break even with the hit from the lower interest.<\/p>\n<p><strong>US Bank self-directed investments accounts!<\/strong>   As with the Bank of America Preferred Rewards program, an alternative way to satisfy the balance requirements with minimal opportunity costs is to transfer over existing assets into a <a href=\"https:\/\/www.usbank.com\/investing\/online-investing\/self-directed-investing.html\" rel=\"noopener\" target=\"_blank\">self-directed US Bank brokerage account<\/a>.  For example, you could transfer over $100,000 in index ETFs inside an IRA or taxable brokerage account.  This would appear to fully satisfy the requirements as a \u201cU.S. Bancorp Investments\u201d account.   This way, US Bank also gets a stronger foothold in the world of wealth management, as all the banks seem to want these days.<\/p>\n<p>Be careful though, as US Bank\u2019s self-directed brokerage account has a slightly <a href=\"https:\/\/www.usbank.com\/investing\/online-investing\/self-directed-investing\/brokerage-fees.html\" rel=\"noopener\" target=\"_blank\">higher fee schedule<\/a> than much of the competition.   Stock trades are $4.95 each, although you get 100 free trades per calendar year if you have both a Bank Smartly Checking account and paperless statements.  There is a $50 annual account fee and a separate $50 annual IRA fee; these are waived if you have $250,000 in combined statement household balances.<\/p>\n<p><strong>My quick take.<\/strong>  If all of these details actually hold through launch, they would be a potential improvement over the best current situation of 2.62% cash back on all purchases via the Bank of America Preferred Rewards program (also requires $100k in assets held at BofA) and a <a href=\"https:\/\/www.mymoneyblog.com\/bank-of-america-unlimited-cash-rewards-card-review.html\" rel=\"noopener\" target=\"_blank\">BofA cash back credit card<\/a>.  (The Robinhood 3% credit card is still \u201ccoming soon\u201d.)  But will it last?   Even the BofA 2.62% has remained something of an outlier, but my hunch is that it has encouraged enough of people to keep a ton of cash at BofA earning zero interest so that BofA is still happy overall.   Given that this new US Bank program actually offers a decent interest rate and an even higher cash back rate, I am concerned about its longevity.  On the other hand, maybe this is US Bank\u2019s big push to become a major player on the national level of Bank of America or Chase.<\/p>\n<p>I\u2019d have to open a lot of new accounts to go for this one.   Savings account, brokerage account, credit card, move over assets, all for a bonus that is based on my credit card spend so will trickle in slowly.  (None of these have a big upfront bonus.) Given the amount of shady stuff US Bank will probably have to deal with when paying 4% cash back, I\u2019d also have to trust that it will last long enough to be worth the effort.   <\/p>\n<p>US Bank has a history of making cards and then pulling them from the market, <em>but<\/em> sometimes they also let the grandfathered users keep the old perk system.  Hmm\u2026<\/p>\n<\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>Update 4\/2\/25: Doctor of Credit reports a Reddit rumor that the US Bank Smartly credit card will be undergoing some major negative changes as of 4\/14\/25. This includes: Base is still 2% cash back on unlimited amounts. Bonus cash back (up to another 2% for a total of 4%) is capped to $10,000 in purchases [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":170371,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[93],"tags":[41260,3767,2475,832,53858],"dealstore":[],"offerexpiration":[],"class_list":["post-170369","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance","tag-balances","tag-blog","tag-cash","tag-money","tag-qualifying"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Up to 4% Cash Back w\/ $100,000 in Qualifying Balances \u2014 My Money Blog - Som2ny Network<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/fivemor.com\/?p=170369\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Up to 4% Cash Back w\/ $100,000 in Qualifying Balances \u2014 My Money Blog - Som2ny Network\" \/>\n<meta property=\"og:description\" content=\"Update 4\/2\/25: Doctor of Credit reports a Reddit rumor that the US Bank Smartly credit card will be undergoing some major negative changes as of 4\/14\/25. 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