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U.S. Bank is pulling the plug on its Smartly Checking Deals (or Smartly Shopping Deals) program, effective January 31, 2026. If you're a U.S. Bank Smartly Checking customer, you'll want to know about this. The bank is notifying account holders via their statements that the program is ending. This program offered a sweet 10-20% cashback on purchases in popular categories.
Why does this matter to you? If you've been relying on those extra savings when shopping through the Smartly Deals program, it's time to adjust your strategy. Mark your calendars for January 31, 2026, as the last day to take advantage of those deals. This news comes alongside the end of 100 free trades in February 2026 and negative changes for the Altitude card, hinting at potential cost-cutting measures by U.S. Bank.
Why This Matters for Your Strategy
News in the points-and-miles world moves fast, and promotional changes often have a short window. If this announcement affects a card or program you hold, log into your awardtrail dashboard to check your current benefit usage, bonus progress, and whether a transfer or redemption makes sense right now — before terms change.
As a general rule: transfer points only when you have a specific redemption in mind — transfers are almost always one-way and non-reversible. If you're unsure of the value, check our redemption guides before acting.
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