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

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Advertiser Disclosure

Annual Fee
Interest Rate: Purchases
19.74% ‐ 29.74% (Variable)
Interest Rate: Purchases
19.74% ‐ 29.74% (Variable)
Balance Transfer
19.74% ‐ 29.74% (Variable)
Balance Transfer
19.74% ‐ 29.74% (Variable)
1 - 5 points
1 - 5 points
Signup Bonus
Signup Bonus

Informr score
The U.S. Bank FlexPerks® Gold American Express® Card currently has an Informr score of 7.7 out of 10. This score is based on our evaluation of 11 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 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...

- Aaron Hurd, Robin Saks Frankel, Forbes

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 and in line with other credit cards like the Chase Sapphire Preferred that offers tiered...

- Miranda Marquit, Investopedia
The Balance
The Balance

It 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.

- Lindsay Vansomeren, Matthew Klammer, The Balance

The 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...

- Bankrate
Money Crashers
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


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


Sign up bonus No
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
  • TSA Precheck or Global Entry
  • Complimentary Boingo Wi-Fi
  • Global Dining Program
  • CONNECT from American Express
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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