I don’t remember seeing anyone mention this on here but I just got the first of my force changed Smartly cards and it’s 0% FTF in the cardmember agreement. So it seems to have retained that attribute from the HT it converted from.
That is, unless I missed them changing to Smartly from 3% to 0% FTF at some point?
Not that I really need another 0% FTF but I’ll always take one over one with a fee.
Now I just have to wait and see if they give me the proper 5% rewards I’m owed from purchases made before they forced the change in my account before I ever received the card despite the original letters saying I could continue using the card until I activated the Smartly.