US Bank Smartly (4%) Credit Card Review

  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 ~$4k/year opportunity cost for new applicants). Further, there is a list of exempted categories (taxes, education, etc). Given this, I’d now … Read more

2024 FreeTaxUSA is live

The 2024 version of FreeTaxUSA is now live: https://www.freetaxusa.com/ Usual disclaimer: the name makes it sounds like a horrible scam. But it is my favorite tax filing site, found through my favorite resource on the planet for all things personal finance: the Bogleheads forum. If you need to adjust your W4, now is the time … Read more

Bank of America Customized Cash Rewards Card (and Premium Rewards) Review

Disclaimer This blog isn’t profit-driven — I don’t receive money from credit card referrals, and there are no affiliate links here. I write because I enjoy analyzing these topics, so the thoughts below reflect my genuine opinions, unclouded by profit motives.   Background I’ve been a long-time user of Bank of America credit cards, particularly … Read more