U.S. Bank FlexPerks® Gold American Express® Card review

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Advertiser Disclosure

Interest Rate: Purchases
15.99% ‐ 25.99%
Balance Transfer
15.99% ‐ 25.99%
Rewards
1 - 3 points
Signup Bonus
30000 points (after spending $2,000)


8.5/10
Informr score
The U.S. Bank FlexPerks® Gold American Express® Card currently has an Informr score of 8.5 out of 10. This score is based on our evaluation of 9 sources including reviews from users and the web's most trusted critics.

Am I eligible?


U.S. Bank FlexPerks® Gold American Express® Card is typically available to those with excellent credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...


NextAdvisor

This is a good travel rewards card with the opportunity to earn generous ongoing rewards. However, its lack of clear point value and somewhat limited travel redemption options may not make it the best travel card for all users.

- NextAdvisor
Finder

Can be a great choice if you’re looking for a generous welcome offer and accelerated points at restaurants, gas stations and airlines. You’ll also benefit from an airline allowance credit every time you redeem an award flight, a TSA PreCheck or Global entry fee credit and you won’t pay foreign trans...

- Finder
Money Crashers

Tailor-made for frequent diners, audacious travelers, and people with long commutes or vast sales territories – in other words, millions of Americans. If you’re not satisfied with the travel rewards credit card choices you’ve seen up until this point, you owe it to yourself to give FlexPerks Gold an...

- Brian Martucci, Money Crashers
ValuePenguin

The new U.S. Bank FlexPerks® Gold American Express® Card has the potential to be an outstanding credit card for those who optimally wield its reward points. Despite having an $85 annual fee, this credit card comes with enough perks to make it worthwhile, especially for medium to high spenders.

- Robert Harrow, ValuePenguin
Wise Bread

Best for those who travel frequently — domestically or abroad and who spends a lot at gas stations, airlines, and restaurants.

- Christina Majaski, Wise Bread

Details


Interest Rates
Regular APR Interest Rate 15.99% ‐ 25.99%

 This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate 15.99% ‐ 25.99%

 This APR will vary with the market based on the Prime Rate.

Cash Advance Interest Rate 25.99%

 This APR will vary with the market based on the Prime Rate.

Rates & Fees
Annual Fee $85.00
Balance Transfer Fee 3%

Minimum of $5

Cash Advance Fee 4%

Minimum of $10

Foreign Transaction Fee $0.00
Over Limit Fee $0.00
Late Payment Fee $38.00

Maximum

Promotions
Sign up bonus 30000 points after spending $2,000

On purchases within the first 4 months.

Rewards
All Purchases 1 point per $1 spent

On all eligible net purchases

Restaurants 3 points per $1 spent
Gas 2 points per $1 spent
Groceries No
Hotels No
Travel 2 points per $1 spent

At airlines

Pharmacy No
Bills No
Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance Yes
Car Rental Insurance Yes
Car Rental Discount Yes
Extended Warranty No
Purchase Protection Yes
Zero Liability Yes
No Foreign Transaction Fees Yes
Emergency Assistance Yes
Concierge Service Yes
Price Protection No
Fraud Protection Yes
Free Credit Scores No
Wireless Payments No
Additional Benefits
  • TSA Precheck or Global Entry
  • Complimentary Boingo Wi-Fi
  • Global Dining Program
  • CONNECT from American Express
  • $25 Airline Allowance
  • Lost Luggage Insurance
Eligibility
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
More
Additional comments
Terms & Conditions Official Terms & Conditions
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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

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Critic Reviews


NextAdvisor

Good travel rewards card for those who want to earn rewards for airline travel and cash back credits

This is a good travel rewards card with the opportunity to earn generous ongoing rewards. However, its lack of clear point value and somewhat limited travel redemption options may not make it the best travel card for all users.

Read full review

This is a good travel rewards card with the opportunity to earn generous ongoing rewards. However, its lack of clear point value and somewhat limited travel redemption options may not make it the best travel card for all users.

Read full review

Less

Finder

Earn accelerated points at restaurants, gas stations and airlines

Can be a great choice if you’re looking for a generous welcome offer and accelerated points at restaurants, gas stations and airlines. You’ll also benefit from an airline allowance credit every time you redeem an award flight, a TSA PreCheck or Global entry fee credit and you won’t pay foreign transaction fees when traveling abroad.

Read full review

Can be a great choice if you’re looking for a generous welcome offer and accelerated points at restaurants, gas stations and airlines. You’ll also benefit from an airline allowance credit every time you redeem an award flight, a TSA PreCheck or Global entry fee credit and you won’t pay foreign transaction fees when traveling abroad.

Read full review

Less

Money Crashers

A general-purpose travel card

from Money Crashers

Tailor-made for frequent diners, audacious travelers, and people with long commutes or vast sales territories – in other words, millions of Americans. If you’re not satisfied with the travel rewards credit card choices you’ve seen up until this point, you owe it to yourself to give FlexPerks Gold another look.

Read full review

Tailor-made for frequent diners, audacious travelers, and people with long commutes or vast sales territories – in other words, millions of Americans. If you’re not satisfied with the travel rewards credit card choices you’ve seen up until this point, you owe it to yourself to give FlexPerks Gold another look.

Read full review

Less

ValuePenguin

A very good travel credit card

from ValuePenguin

The new U.S. Bank FlexPerks® Gold American Express® Card has the potential to be an outstanding credit card for those who optimally wield its reward points. Despite having an $85 annual fee, this credit card comes with enough perks to make it worthwhile, especially for medium to high spenders.

Read full review

The new U.S. Bank FlexPerks® Gold American Express® Card has the potential to be an outstanding credit card for those who optimally wield its reward points. Despite having an $85 annual fee, this credit card comes with enough perks to make it worthwhile, especially for medium to high spenders.

Read full review

Less

Wise Bread

Valuable bonus rewards

from Wise Bread

Best for those who travel frequently — domestically or abroad and who spends a lot at gas stations, airlines, and restaurants.

Read full review

Best for those who travel frequently — domestically or abroad and who spends a lot at gas stations, airlines, and restaurants.

Read full review

Less

Bankrate

Hard to beat the perks for the price

from Bankrate

The U.S. Bank FlexPerks Gold American Express Card offers rewards rates that are competitive with many of the pricier premium travel rewards cards on the market. But finding the best way to redeem points isn’t always that easy.

Read full review

The U.S. Bank FlexPerks Gold American Express Card offers rewards rates that are competitive with many of the pricier premium travel rewards cards on the market. But finding the best way to redeem points isn’t always that easy.

Read full review

Less

HighYa

Offers an impressive set of travel-related, free benefits

from HighYa

We believe, based on our research, that you’re a good fit for this card if you spend at least a few hundred dollars a month eating out and you want a travel credit card with a good combination of up-front and long-term benefits.

Read full review

We believe, based on our research, that you’re a good fit for this card if you spend at least a few hundred dollars a month eating out and you want a travel credit card with a good combination of up-front and long-term benefits.

Read full review

Less

Hustler MoneyBlog

A competitive travel credit card which allows you a lot of additional travel perks

from Hustler MoneyBlog

 For those that want a great traveling companion and extra travel benefits, the U.S. Bank FlexPerks Gold American Express Card might be just for you!

Read full review

 For those that want a great traveling companion and extra travel benefits, the U.S. Bank FlexPerks Gold American Express Card might be just for you!

Read full review

Less

Doctor Of Credit

For people who spend a lot of money on restaurants

from Doctor Of Credit

I think this card is definitely worth considering for the first year, 30,000 sign up points is a pretty good deal for a minimum cash value of $300 and a maximum value of $600 if you redeem for flights. Just keep in mind the $85 annual fee that can’t be paid with points in the first year. Wha...More

I think this card is definitely worth considering for the first year, 30,000 sign up points is a pretty good deal for a minimum cash value of $300 and a maximum value of $600 if you redeem for flights. Just keep in mind the $85 annual fee that can’t be paid with points in the first year. What’s most interesting to me are the bonus categories.

Read full review

Less

User Reviews


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