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Terms tightened Apr 2025 for new applicants
As recorded in the spreadsheet. Conditions and combined limits still apply; these aren’t calculated recommendations.
| Category | Rate | Cap / limit | Conditions |
|---|---|---|---|
| Everything (relationship tiers) | 2.5% / 3% / 4% | Bonus tiers apply to the first $10k per cycle in the newer terms | Tiers follow Smartly checking / Safe Debit balances of $10k / $50k / $100k under the Apr 2025 rules for new applicants; original holders are grandfathered on combined balances. The 2025 tightening also added exclusions for taxes, government, insurance, discount and wholesale spend — verify current terms |
No standard bonus reported
No welcome bonus.
These are source research notes, not a determination that you qualify. Family rules may apply only to the products named below. Confirm current issuer terms.
Top earn rate requires $100k+ in qualifying U.S. Bank balances (see first workbook)
Window start event: Confirm the exact starting event with the issuer. A completion window is not the offer expiration date.
Confirmed 'no welcome bonus' in an Oct 2026 review.
Offer type, as listed: No sign-up bonus