Introduction Link: U.S. Bank Smartly™ Visa Signature® Card At the end of 2024, US Bank officially launched this new card, offering up to 4% unlimited cash back on all categories. As we discussed in “Everything Flat Rate Cashback Credit Cards: The Valuation Anchor and Efficiency Cornerstone of the Credit Card Rewards System,” these types of […]
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In today’s increasingly complex landscape of credit card rewards, everything flat rate cashback credit cards (like Citi Double Cash, Fidelity Rewards, etc.) remain the strategic bedrock for rational cardholders. They not only offer transparent cash returns but also serve as the “risk-free rate” of the financial market, providing a gold standard for evaluating the value
I’m a no-name engineer working in a big-name company in the Bay Area who enjoys exploring and reflecting on topics like investing, personal finance, and mindful spending. Everyone has different priorities and goals in life, and many choices we make don’t have clear rights or wrongs. Through this blog, I hope to document my thoughts
