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 all spending and enjoy an interest-free balance transfer period.

30-second take

  • 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 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

Balance Transfer APR16.24% 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 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
Base Rewards1x points

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. 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

Barclaycard Arrival® Plus World Elite Mastercard®

  • Enjoy 70,000 bonus miles after spending $5,000 on purchases in the first 90 days
  • Earn unlimited 2X miles on every purchase
  • NEW - Control your card - instantly secure your accounts by locking your cards with Barclays SecurHold™, plus set transaction limits and block certain purchase categories for you or your authorized users. Available only on the Barclays mobile app.
  • 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 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.
  • FlexPoints.
    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

Name Product Welcome Offer Rewards Annual Fee
60,000 points after spending $4,000 in the first 3 months
2x points on travel and dining. 1x points on all other purchases
$95
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months.
50,000 points after spending $4,000 in the first 3 months
3x points on dining and travel after earning your $300 travel credit. 1x points on all other purchases
$450
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months.
60,000 miles after spending $2,000 in the first 3 months and a $50 statement credit after you make a Delta purchase in the first 3 months
2x miles on Delta purchases and 1x miles on all other purchases
$0 intro annual fee for the first year ($95 thereafter)
60,000 bonus miles after you use your new card to make $2,000 on purchases within the first 3 months and a $50 statement credit after you make a Delta purchase in the first 3 months. Rates & Fees
75,000 bonus miles and 5,000 MQMs after spending $3,000 in the first 3 months. Plus $100 after making a Delta purchase in the same time
2x miles on Delta purchases and 1x miles for all other purchases
$195
Earn 75,000 bonus miles and 5,000 Medallion® Qualification Miles after you make $3,000 in purchases on your new card within your first 3 months. Plus $100 after making a Delta purchase in the same time. Rates & Fees
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

Compare up to 4 providers

Bottom line

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.

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