Am I eligible?
To get this card, you must also:
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...
- Aaron Hurd, Robin Saks Frankel, ForbesThe U.S. Bank FlexPerks Gold American Express Card is a solid choice for those who spend a lot of money on dining and are willing to jump through the hoops of redeeming for travel through the U.S. Bank portal to maximize your point values. An effective 4.5% cash back on dining is a top-tier earning...
- Miranda Marquit, InvestopediaThe 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 and in line with other credit cards like the Chase Sapphire Preferred that offers tiered...
- Lindsay Vansomeren, Matthew Klammer, The BalanceIt isn’t as talked about as some of the other big-name travel rewards cards. Yet this card packs in a lot of value for people who like to dine out, order food in, travel and stay in hotels.
- BankrateThe U.S. Bank FlexPerks Gold American Express is best for frequent travelers who can take advantage of all the card’s travel perks (such as the TSA PreCheck or Global Entry credit and free Boingo Wi-Fi) and who spend frequently in travel categories such as flights, car rentals, hotels and gas. If yo...
- Brian Martucci, Money CrashersTailor-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...
Details
| Interest Rates | |
|---|---|
| Regular APR Interest Rate |
19.74% ‐ 29.74% (Variable) This APR will vary with the market based on the Prime Rate. |
| Balance Transfer Interest Rate |
19.74% ‐ 29.74% (Variable) This APR will vary with the market based on the Prime Rate. |
| Cash Advance Interest Rate |
29.99% (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 |
5% Minimum of $10 |
| Foreign Transaction Fee | $0.00 |
| Over Limit Fee | $0.00 |
| Late Payment Fee |
$41.00 Maximum |
| Promotions | |
| Sign up bonus | No |
| 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 | 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 prepaid hotels and car rentals booked directly in the FlexPerks Rewards Center |
| Features & Benefits | |
| Additional Card Holders | Yes |
| Travel Accident Insurance | Yes |
| Car Rental Insurance | No |
| Car Rental Discount | No |
| Extended Warranty | No |
| Purchase Protection | No |
| 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 |
|
| Eligibility | |
| Minimum Security Deposit | $0 |
| Minimum Age | 18 |
| Minimum Personal Income | |
| Temporary Residents | No |
| More | |
| Additional comments | - |
| Terms & Conditions | Official Terms & Conditions |
| Suggest a correction |
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