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

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Earn accelerated points at restaurants, gas stations and airlines.’s rating: 4.3 / 5


  • Get this card if you want a travel credit card.
  • Pick something else if you want a no-annual-fee card or an intro APR period.
  • Apply with good to excellent credit score of 670 or higher.


Points as welcome offer

Up to 5x



Annual fee

14.49% to 24.49%

Purchase APR (variable)


Product NameU.S. Bank FlexPerks® Gold American Express® Card
Card typeAmerican Express
Annual fee$85
Purchase APR14.49% to 24.49% variable
Balance transfer APR14.49% to 24.49% variable
Balance transfer fee$5 or 3% of the transaction, whichever is greater
Cash advance rate24.49% variable
Cash advance fee$10 or 4% of the cash advance amount, whichever is greater
Foreign transaction feeNone
Interest free periodUp to 30 days
Late payment feeUp to $40
Returned payment feeUp to $35
Rates & feesrates & fees

Expert review

Kliment Dukovski

Review by

Kliment Dukovski is a credit cards writer. He's written over 600 articles to help readers find and compare the best credit cards. Kliment has also written on money transfers, home loans and more. Previously, he ghostwrote guides and articles on foreign exchange, stock market trading and cryptocurrencies.

Expert review

The U.S. Bank FlexPerks® Gold American Express® Card can be a great choice if you’re looking for a generous welcome offer and solid reward earnings. This card offers 5x points on prepaid hotels and car rentals, 3x points at restaurants, 2x points at airlines and gas stations, 1x points everywhere else, a welcome offer worth 30,000 points after you spend $2,000 in your first 4 months of membership, and requires an annual fee of $85.

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.

The card does carry an annual fee, though it doesn’t quite offer the extra perks and features you’d expect from the asking price. This card also lacks an intro APR period, so there may be better options out there if those two considerations are a big part of your final decision.

Card benefits

  • Welcome offer.
    Spend $2,000 on purchases in your first 4 months of card membership and earn 30,000 FlexPoints. According to U.S. Bank as of January 2019, that’s up to $450 worth of airfare, hotel stays and car rentals, or less if you redeem for cash back, gift cards or merchandise.
  • FlexPoints.
    Earn 5x points at prepaid hotels and car rentals, 3x points at restaurants, 2x points at airlines and gas stations and 1x points on everything else you buy.
  • TSA PreCheck or Global Entry fee credit.
    Get automatic reimbursement as a statement credit for the application fee for the program you apply for first.
  • Airline allowance.
    Get up to $25 reimbursement for baggage fees, in-flight food and beverages for each award ticket you redeem.
  • Complimentary Boingo Wi-Fi.
    Enjoy complimentary Wi-Fi at more than 1 million hotspots worldwide.

What to watch out for

  • Annual fee.
    You’ll pay a yearly fee of $85 to own the card. It takes about 5,667 points, or about $1,890 in restaurant spending, to cover the fee.
  • No intro APR period.
    The card comes with a purchase and balance transfer APR of 14.49% to 24.49% variable right off the bat. If you’re looking to save money by postponing interest for a period, look for a 0% intro APR credit card.

Compare travel credit cards

Name Product Welcome offer Rewards Annual fee Filter values
Chase Sapphire Preferred® Card
80,000 points after spending $4,000 in the first 3 months, a value of up to $1,000 through Chase Ultimate Rewards
5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases
This popular travel card's signup bonus is worth up to $1,000. Get even more value out of your travel, dining, and Lyft rewards by transferring them to miles.
American Express® Gold Card
35,000 points after spending $4,000 in the first 3 months
3x points on directly-booked flights; 4x at restaurants; 4x at US supermarkets on up to $25,000 annually (then 1x points)
Earn 4x points at restaurants worldwide. Rates & fees
Chase Sapphire Reserve®
50,000 points after spending $4,000 in the first 3 months
10x points on Lyft rides, 3x points on dining and travel after earning your $300 travel credit and 1x points on all other purchases
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months
Hilton Honors American Express Card
75,000 points after spending $1,000 in the first 3 months
7x points on Hilton Honors purchases, 5x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases
Earn 75,000 Hilton Honors Bonus Points after you spend $1,000 in purchases on the card within your first 3 months of card membership. Rates & fees
Luxury Card Mastercard® Titanium Card™
1x points on all purchases with 2% point value when you redeem for airfare and 1% for cash back
Enjoy unique excursions, privileged access to exclusive events and insider opportunities.

Compare up to 4 providers

Bottom line

If you’re looking for a travel credit card with accelerated points at restaurants, airlines and gas stations, the U.S. Bank FlexPerks® Gold American Express® Card could be worth considering.

However, if you don’t find the card quite fits your spending, check out other travel rewards credit cards and compare your options.

Frequently asked questions

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