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

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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.

  • 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.

$450

Welcome offer

Up to 3x

Points

$85

Annual fee

16.24% to 26.24%

Purchase APR (variable)

Details

Product NameU.S. Bank FlexPerks® Gold American Express® Card
Card typeAmerican Express
Annual fee$85
Purchase APR16.24% to 26.24% variable
Balance transfer APR16.24% to 26.24% variable
Balance transfer fee$5 or 3% of the transaction, whichever is greater
Cash advance rate26.24% 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 $39
Returned payment feeUp to $35
Rates & feesrates & fees

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 U.S. Bank travel rewards card

U.S. Bank FlexPerks® Travel Rewards® Visa Signature® Card

  • Earn 25,000 enrollment FlexPoints worth $375 on airfare, hotel stays, car rentals and more. Just spend $2,000 in eligible net purchases on your card within the first four months of account opening.
  • 2x FlexPoints at gas stations, grocery stores or airlines – whichever you spend the most on each monthly billing cycle, and at most cell phone service providers.
  • 2x FlexPoints for your charitable donations
  • No foreign transaction fees*
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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 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 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 Rewards Annual fee Filter values
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
$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
20,000 miles after spending $1,000 in the first 3 months
1.25x miles on all purchases and 10x miles at hotels.com/venture
$0
Earn 20,000 bonus miles once you spend $1,000 on purchases within the first 3 months from account opening.
30,000 miles after spending $1,000 in the first 3 months, plus $50 when you make a Delta purchase in the same timeframe
2x miles on Delta purchases and 1x miles on all other purchases
$0 intro annual fee for the first year ($95 thereafter)
Earn 30,000 miles after spending $1,000 in the first 3 months, plus $50 when you make a direct Delta purchase in the same timeframe. Rates & fees
50,000 bonus miles after spending $3,000 in the first 3 months
2x miles on all purchases and 10x miles at hotels.com/venture
$0 intro annual fee for the first year ($95 thereafter)
Earn 50,000 bonus miles after spending $3,000 on purchases within the first 3 months from account opening.
50,000 points after spending $2,000 in the first 3 months
3x points at Marriott Bonvoy hotels, 2x on travel and 1x on all other purchases
$0
50,000 bonus points after you spend $2,000 on purchases in your first 3 months from your account opening.

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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