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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

15.49% to 25.49%

Purchase APR (variable)

Details

Product NameU.S. Bank FlexPerks® Gold American Express® Card
Card typeAmerican Express
Annual fee$85
Purchase APR15.49% to 25.49% variable
Balance transfer APR15.49% to 25.49% variable
Balance transfer fee$5 or 3% of the transaction, whichever is greater
Cash advance rate25.49% 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 $39
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 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 rewards credit card

Citi Rewards+℠ Card

  • The Citi Rewards+℠ Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
  • Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com
  • 0% intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 14.99% - 24.99%, based on your creditworthiness.
  • Earn 2x ThankYou® Points at supermarkets and gas stations for the first $6,000 per year and then 1x points thereafter. Plus, earn 1x points on all other purchases.
  • The standard variable APR for Citi Flex Plan is 14.99% - 24.99%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi’s discretion.
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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 15.49% to 25.49% 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.

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Capital One® VentureOne® Rewards Credit Card
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
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Citi Rewards+℠ Card
Earn 15,000 points after spending $1,000 in the first 3 months
Earn 2x points at supermarkets and gas stations on up to $6,000 annually, then 1x points after that and on all other purchases
$0
The only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
Gold Delta SkyMiles® Credit Card from American Express
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
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Chase Sapphire Preferred® Card
60,000 points after spending $4,000 in the first 3 months
5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases
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Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months.

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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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