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

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Advertiser Disclosure

Interest Rate: Purchases
14.49% ‐ 24.49% (Variable)
Balance Transfer
14.49% ‐ 24.49% (Variable)
1 - 5 points
Signup Bonus
30000 points (after spending $2,000)

Informr score
The U.S. Bank FlexPerks® Gold American Express® Card currently has an Informr score of 8.3 out of 10. This score is based on our evaluation of 10 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...


The U.S. Bank FlexPerks Gold American Express credit card can be a decent choice for someone who wants tiered rewards that focus on travel and dining. The annual fee of $85 is reasonable for the perks involved, in line with other credit cards, like the Capital One Savor and Chase Sapphire Preferred...

- Miranda Marquit, Investopedia

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

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

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


Interest Rates
Regular APR Interest Rate 14.49% ‐ 24.49% (Variable)

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

Balance Transfer Interest Rate 14.49% ‐ 24.49% (Variable)

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

Cash Advance Interest Rate 24.49% (Variable)

 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 $40.00


Sign up bonus 30000 points after spending $2,000

On purchases within the first 4 months.

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 5 points per $1 spent
Travel 2 points per $1 spent

At airlines

Pharmacy No
Bills No
Additional Details

5 points per $1 spent on car rentals booked directly in the FlexPerks Rewards Center

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
Virtual Cards 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
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
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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