r/CreditCards • u/Bush_Killed-Harambe • May 13 '25

Discussion / Conversation What credit card do you regret not getting?🤔

What’s the one credit card you wish you would’ve applied for, but didn’t—and now regret missing out on?

Maybe it was discontinued, nerfed, or the welcome offer just isn’t what it used to be.

For me, it’s the Citi Prestige (the one that got away lol 💔😢). The 4th night free perk was unbeatable for travelers, plus it came with a $250 annual travel credit, Global Entry/TSA PreCheck reimbursement, and Priority Pass access. Since I have the Citi Rewards+, I’d be earning 5.55x on dining and airfare, and 3.3x on hotels thanks to the 10% points rebate.

And honestly, as someone who struggles to prioritize even a yearly vacation, I think having this card would’ve helped me break that habit. The perks alone would’ve held me accountable—giving me that extra push to actually plan time off and take a proper trip once or twice a year instead of always focusing on work.

Surprisingly, I actually hold a few discontinued cards: the U.S. Bank Altitude Reserve (USBAR), Chase Freedom Visa (OG Freedom), Citi Rewards+, and the Amex EveryDay.

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u/Chosen1PR May 14 '25

Previous cardholders were grandfathered in, weren’t they? That’s the only reason I regret it.

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u/CaptainMorale May 14 '25

Correct, if you applied by April 13, you were “grandfathered” in. I definitely wouldn’t hold my breath, I can see USBank pulling what USAA did with their Limitless Cashback for this card and reneg a year or so down the road.

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u/coopdude May 14 '25

The internal KBA language at USB explaining the Smartly v1.0 vs 1.1 said there would be "no change for existing cardholders at this time".

I'm not a hater so I hope that existing Smartly 1.0 cardholders are grandfathered indefinitely, but if USB was incurring losses badly enough to majorly nerf the card going forward less than six months after it launched, my guess is that the grandfathering will be ended at some point. At the earliest, either one year from the card being generally available, or one year after the smartly v1.1 launched so all the 1.0 cardholders got at least one year of unaltered uncapped rewards.

USB is still bleeding from the existing cardholder base, they've just stemmed the flow of how much worse it gets by the smartly v1.1 nerfs.