Heads up, fellow award travelers! If you're one of the many who opened a U.S. Bank brokerage account to snag that sweet 4% cashback on the grandfathered Smartly Visa, there's a change coming that you need to know about. U.S. Bank is nixing the perk of 100 free trades per year, starting in February 2026. Basically, U.S. Bancorp Investments (USBI) is merging its retail biz into U.S. Bancorp Advisors (USBA). As a result, that Smart Rewards benefit of 100 free trades annually with a self-directed brokerage account is biting the dust. Now, most of us probably parked $100k in those accounts and didn't actively trade much, but it's still worth noting. If you *were* using those free trades, you'll need to adjust your strategy or find a new brokerage before February 16, 2026. Thanks to readers RV and Precisely for the tip!