[Targeted] U.S. Bank Deals: Get 20% Back On Drugstores, 15% Back On Gas/EV

If these are part of Smart Rewards, it sounds like you need to have a $20,000 balance (Primary tier) in US Bank consumer accounts?
(Why do people have that much at US Bank?)

Also, I see that the terms say “Cardmembers who have both a personal credit card account and a business credit or charge card account with U.S. Bank are not eligible for these offers” (I’ve seen people report that, but I didn’t know the terms explicitly said it (at least, for the Smart Rewards offers, but I guess it applies to all offers).