US Bank Smartly (4%) Credit Card Review

*** Edit 7/30/25 *** The following post is now obsolete. An updated post is here: https://frugalprofessor.com/us-bank-smartly-credit-card-bait-and-switch-smartlier-solutions-from-a-finance-professor/ Update 4/14/25: On 4/14/25, U.S. Bank essentially neutered this card for new applicants. The $100k balance must now be held in a checking account rather than a brokerage account (and thus incurring a…