Earn points on everything you buy and enjoy an interest-free balance transfer period.
- 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 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|
|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|
|Reward Value per Dollar||1x points|
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
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- 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.
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
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.