Earn points on all spending and enjoy 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 excellent credit score of 670 or higher.
|Product Name||U.S. Bank Flexperks® Select+ American Express® Card|
|Card Type||American Express|
|APR (Annual Percentage Rate) for Purchases||16.24% to 26.24% variable|
|Introductory Purchase APR|
|Balance Transfer APR||16.24% to 26.24% variable|
|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 Rate||26.24% variable|
|Foreign Transaction Fee||3% of the transaction value|
|Cash Advance Fee||$10 or 4% of the cash advance amount, whichever is greater|
|Interest Free Period||Up to 30 days|
|Late Payment Fee||Up to $39|
|Returned Payment Fee||Up to $35|
|Minimum Age||18 years of age|
|Base Rewards||1x points|
The U.S. Bank Flexperks® Select+ American Express® Card lets you earn unlimited points on all of your purchases with no annual fee. The redemption value of the points puts the card close to its competitors. But it really shines with a long intro APR period on balance transfers.
Another travel card with unlimited rewards
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- 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 as of January 2019, that’s worth up to $150 when redeemed for airfare, hotel stays and car rentals.
Earn 1x points on everything you buy. Each point is worth up to 1.5 cents when redeemed toward travel.
You’ll also like …
- No annual fee.
- 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.
Compare travel credit cards
If you’re looking for a travel credit card issued by U.S. Bank, 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.