US Bank Clever ™ Visa Signature CardOnce a highly beneficial card for anyone with a lot of investment in US bank accounts, is now slightly less spectacular. Just after launching seven months ago, the card is already exceeding a large limit of a reward program that has become very bright for the world.
For now, these changes will not affect existing card holders. But as of April 14, 2025, the card made several changes to the new applicant.
It is difficult to earn more than 2 % of cash
US Bank Clever ™ Visa Signature Card Still receives twenty rewards rates 2 % cash returned to all purchasesWhich is still good enough. And if you meet the specific needs, it is possible to get even more rates – it is just that these requirements have been tightened.
Now, you should open a smart savings account to the US bank and maintain a “qualifying balance” in a bank in a better checking account or safe debit account. Here you can earn on different balance levels:
$ 10,000, 49,999.99: Earn 2.5 % cashback.
000 from 50,000, 99,999.99: Earn 3 % cashback.
000 100,000 or more: Earn 4 % cashback.
Earlier, US bank checking and savings accounts, deposit certificates, investment accounts and IRAs, and even personal trust accounts can be added to your qualifying balance. In addition, you used to reach 2.5 % cashback tire with $ 5,000 in your accounts, not $ 10,000.
It is difficult to get 4 CASH cashback rate at its lure unless you are in the habit of withholding six data cash.
There is also a change in how the qualifying balance is taken. Earlier, it was based on your average daily balance in a 90 -day period. Now, it is less than 30 days, which can affect the ability to refund additional cash in terms of cash flow for your month.
🤓 🤓Nerve tip
With US Bank Clever ™ Visa Signature CardCashback costs 1 % per point when an eligible US bank account is deposited. You can also release points for gift cards or statement credit, but if you do, their price will be low.
High cash levels are subject to expenditure limits
The original version of the card has no limit to how much cash you can earn in any reward level. There is still no hat to earn 2 % cash in proceeding, but now you can earn only $ 10,000 or more to spend on a billing cycle.
Once you reach this extent, you will have a 2 % back base.
Some purchases will not be eligible for more rewards rates
Payment of education or tuition, gift cards, insurance, taxes, business transactions and third -party bill payment services will only earn 2 % cash, whether you are eligible to earn 2.5 % or more based on your balance with the US bank.
