U.S. Bank FlexPerks Gold American Express Card review | finder.com

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

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

Earn accelerated points at restaurants, gas stations and airlines.

30-second take

  • 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.
Product NameU.S. Bank FlexPerks® Gold American Express® Card
Card TypeAmerican Express
Annual Fee$85
APR (Annual Percentage Rate) for Purchases16.24% to 26.24% variable
Introductory Purchase APR

N/A

Balance Transfer APR16.24% to 26.24% variable
Introductory Balance Transfer APR

N/A

Balance Transfer Fee$5 or 3% of the transaction, whichever is greater
Cash Advance Rate26.24% variable
Foreign Transaction FeeNone
Cash Advance Fee$10 or 4% of the cash advance amount, whichever is greater
Interest Free PeriodUp to 30 days
Late Payment FeeUp to $39
Returned Payment FeeUp to $35
Minimum Age18 years of age
Reward Value per Dollar1x points

The basics

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

Another travel rewards card

Chase Sapphire Preferred® Card

  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • Chase Sapphire Preferred named "Best Credit Card for Flexible Travel Redemption" - Kiplinger's Personal Finance, June 2018
  • 2x points on travel and dining at restaurants worldwide and 1 point per dollar spent on all other purchases
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards
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The perks

  • 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 3x points at restaurants, 2x points at airlines and gas stations and 1x points on everything else you buy.

You’ll also like …

  • 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 would take 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 16.24% to 26.24% 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 Reward Value per Dollar APR (Annual Percentage Rate) for Purchases Annual Fee
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
1x points
18.24% to 25.24% variable
$0 annual fee for the first year ($95 thereafter)
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months.
Earn 50,000 bonus points after spending $4,000 on purchases in the first 3 months from account opening - that's $750 toward travel when you redeem through Chase Ultimate Rewards®.
1x points
19.24% to 26.24% variable
$450
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months.
30,000 bonus miles after spending $1,000 in purchases on your new card in your first 3 months and a $50 statement credit after you make a Delta purchase with your new card within your first 3 months.
1x miles
17.99% to 26.99% variable
$0 annual fee for the first year ($95 thereafter)
30,000 bonus miles after you use your new card to make $1,000 on purchases within the first 3 months. Rates & Fees
75,000 Hilton Honors Bonus Points with the Hilton Honors American Express Card after you use your new card to make $1,000 in eligible purchases within the first 3 months of card membership.
3x points
17.99% to 26.99% variable
$0
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
35,000 Membership Rewards® Points after you spend $2,000 on eligible purchases with your new card within the first 3 months.
1x points
See Rates & Fees
$250
35,000 bonus Membership Rewards® Points when you spend $2,000 in the first 3 months Rates & Fees

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.

U.S. Bank Flexperks ® Select+ American Express ® Card review

Frequently asked questions

Kliment Dukovski

Kliment Dukovski is a writer who specializes in global financial markets and personal finance, with a focus on credit cards. His main goal is to deliver honest and accurate information to help you make the right financial decision. When he's not writing about finance-related subjects, he writes sci-fi stories.

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