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

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

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Earn points and get an interest-free balance transfer period.

  • Get this card for rewards on travel with an intro APR on balance transfers and no annual fee.
  • Pick something else for accelerated points on specific categories.
  • Apply with a good to an excellent credit score of 670 or higher.

$150

Welcome offer

Up to 1x

Points

$0

Annual fee

16.24% to 26.24%

Purchase APR (variable)

Details

Product NameU.S. Bank Flexperks® Select+ American Express® Card
Card typeAmerican Express
Annual fee$0
Purchase APR16.24% to 26.24% variable
Balance transfer APR0% intro 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
Cash advance fee$10 or 4% of the cash advance amount, whichever is greater
Foreign transaction fee3% of the transaction value
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® Select+ American Express® Card lets you earn unlimited points on all of your purchases with no annual fee. It has a point redemption value close to its competitors in the same category, and a decent APR period on balance transfers. The card falls short compared to its competitors when it comes to perks, however. You won’t find much added value aside from the base features of the card.

Considering it also lacks some of the flexibility of other rewards cards, such as travel transfer partners, the U.S. Bank Flexperks® Select+ American Express® Card falls somewhere in the middle of the pack. It’s a solid card if it’s all you can manage, but there are better options available.

Another U.S. Bank travel 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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Card benefits

  • Welcome offer.
    Spend $1,000 on purchases within 4 months of your account opening to earn 10,000 FlexPoints. According to the U.S. Bank website at the time of writing, that’s worth up to $150 when redeemed for airfare, hotel stays and car rentals.
  • FlexPoints.
    Earn 1x points on everything you buy. Each point is worth up to 2.0 cents depending on your redemption choice.
  • No annual fee.
    You won’t pay an annual fee to use this card.
  • Intro APR period on balance transfers.
    Balance transfers completed within 60 days of your account opening 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, look for a 0% intro APR credit card.
  • 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 with a card that waives foreign transaction fees.
  • Low worldwide acceptance.
    Compared to Visa and Mastercards, this Flexperks Amex doesn’t offer the same level of coverage worldwide, meaning you might have some issues finding card acceptance abroad.

How to apply for the U.S. Bank Flexperks® Select+ American Express® Card

Applying for the U.S. Bank Flexperks® Select+ American Express® Card is a straightforward process:

  1. At the U.S. Bank site, click on Credit cards along the header and select Travel rewards credit cards from the drop down menu.
  2. Scroll down and click on the U.S. Bank Flexperks® Select+ American Express® Card.
  3. Click apply now and fill out the information to complete your application.

To apply for a U.S. Bank Flexperks® Select+ American Express® Card, you’ll need the following:

  • Proof that you’re 18 years of age or older
  • Proof of legal residency in the US
  • Your Social Security number or individual Taxpayer Identification Number

What credit score do I need?

To apply for the U.S. Bank Flexperks® Select+ American Express® Card, you’ll need a good to excellent credit score of 670 or higher.

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 U.S. Bank travel credit card, this one could be a good choice. You get a long intro APR period on balance transfers and high redemption value on travel purchases with no annual fee.

But other no-annual-fee travel credit cards can offer stronger rewards. To find the best fit for your spending and lifestyle, compare your travel card options.

Frequently asked questions

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