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

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

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

Earn points on everything you buy and enjoy an interest-free balance transfer period.

30-second take

  • Get this card if you want a travel credit card with an intro APR on balance transfers and no annual fee.
  • Pick something else if you want to earn accelerated points on specific categories.
  • Apply with good to excellent credit score of 670 or higher.
Product NameU.S. Bank Flexperks ® Select+ American Express ® Card
Card TypeAmerican Express
Annual Fee$0
APR (Annual Percentage Rate) for Purchases16.24% to 26.24% variable
Introductory Purchase APR

N/A

Introductory Balance Transfer APR 0% for the first 9 billing cycles (then 16.24% to 26.24% variable)
Balance Transfer Fee$5 or 3% of the transaction, whichever is greater
Cash Advance Rate26.24% variable
Foreign Transaction Fee3% of the transaction value
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 no-annual-fee U.S. Bank Flexperks ® Select+ American Express ® Card lets you earn unlimited points on all of your purchases. The redemption value of the points puts the card close to its competitors, but where it really shines is the long intro APR period on balance transfers.

Another travel card with unlimited rewards

Barclaycard Arrival® Plus World Elite Mastercard®

  • Limited Time Offer: Enjoy 70,000 bonus miles after spending $5,000 on purchases in the first 90 days
  • Earn unlimited 2x miles on every purchase
  • Book travel your way—no airline, seat or hotel restrictions—and redeem your miles for travel statement credits
  • Get 5% miles back to use toward your next redemption, every time you redeem
  • No foreign transaction fees
  • International Chip and PIN for use at self-service chip terminals around the world
  • Miles don’t expire as long as your account is open, active and in good standing
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The perks

  • Welcome offer.
    Spend $1,000 on purchases within 4 months of your account opening and earn 10,000 FlexPoints. According to the U.S. Bank website as of January 2019, that’s worth up to $150 when redeemed for airfare, hotel stays, car rentals and more.
  • FlexPoints.
    Earn 1x points on everything you buy. Each point is worth up to 1.5 cents when redeemed on travel purchases.

You’ll also like …

  • No annual fee.
  • Intro APR period on balance transfers.
    Balance transfers completed within 60 days of your account opening will receive a 0% intro APR for 9 billing cycles. After that, a variable APR of 16.24% to 26.24% applies.

What to watch out for

  • No intro APR period on purchases.
    The card offers an intro APR period on balance transfers, but not on purchases. If you’re looking to make a large purchase and carry the balance without interest for a while, look for 0% intro APR credit cards.
  • Foreign transaction fees.
    Despite offering solid redemption value on travel purchases, the card may not be a good traveling companion outside of the US. Purchases abroad come with a 3% fee on foreign currencies transactions, or a 2% fee on transactions made in US dollars.

    If you often travel abroad, save money by using a credit card with no foreign transaction fees.

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 no-annual-fee travel credit card by U.S. Bank, this could be the right choice. You also get a long intro APR period on balance transfers and high redemption value on travel purchases.

However, other no-annual-fee travel credit cards may offer something better for your spending style. Make sure you compare your options until you find the right card for your financial needs.

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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