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U.S. Bank FlexPerks® Travel Rewards® Visa Signature® Card review

Last updated:  

FlexPoints are worth more for certain travel redemptions.

  • Get this card if you spend heavily on airfare, gas or groceries.
  • Pick something else if you spend evenly throughout many categories.
  • Apply with an excellent credit score of 740 to 850.

The information about the HSBC Gold Mastercard® credit card has been collected independently by Finder. The card details have not been reviewed or approved by the card issuer.

25,000

Points as welcome offer

Up to 2x

Points

$0

Annual fee

for the first year ($49 thereafter)

15.49% to 25.49%

Purchase APR (variable)

Details

Product NameU.S. Bank FlexPerks® Travel Rewards® Visa Signature® Card
Card typeVisa
Annual fee$0 intro annual fee for the first year ($49 thereafter)
Purchase APR15.49% to 25.49% variable
Balance transfer APR15.49% to 25.49% variable
Balance transfer fee$5 or 3% of the transaction, whichever is greater
Cash advance rate25.49% variable
Cash advance fee$10 or 4% of the cash advance amount, whichever is greater
Foreign transaction feeNone
Interest free periodUp to 30 days
Late payment feeUp to $39
Returned payment feeUp to $35
Rates & feesrates & fees

Expert review

Kevin Joey Chen

Review by


Kevin Joey Chen is a credit cards, banking and investments writer who has written nearly 500 Finder articles. He's passionate about helping you get your finances in order and expertly navigate the cutting-edge financial tools available -- including credit cards, apps and budgeting software.

Expert review

The U.S. Bank FlexPerks® Travel Rewards® Visa Signature® Card offers strong rewards if you mostly spend on airlines, gas stations or grocery stores. The card’s rewards, signup bonus and FlexPoints value can also help you offset the cost of the annual fee.

However, you may earn stronger rewards with other cards if your spending largely goes to other categories or is evenly spread out.

The perks

  • Annual fee: $0 intro annual fee for the first year.
    After this period, the card’s annual fee reverts to $49 a year.
  • Signup bonus: 25,000 FlexPoints.
    To earn this bonus, make $2,000 in eligible purchases with your card within the first 4 months of account opening. According to U.S. Bank, these FlexPoints are worth $375, or 1.5 cents each, in travel redemptions — such as flights, car rentals and hotel stays.

    You can also redeem FlexPoints for merchandise, gift cards, live events and statement credit. Some options may not give you a 1-cent-per-point value, which is standard across the credit card industry.

  • Rewards: Up to 2x points.
    Earn 2x points each billing cycle in one of three categories you’ve spent most in: airlines, gas stations or grocery stores. Earn 2x points on spending with cellular providers and charities, and 1x points on all other eligible spending.

You’ll also like …

  • $25 airline allowance on award travel.
    When you redeem FlexPoints for an award flight, you can be credited up to $25 for eligible purchases made with the carrier during your flight dates. To request the statement credit, call U.S. Bank Cardmember Services via the number on the back of your card. You must make the request within 90 days of your purchase.
  • No foreign transaction fees.
    Use this card to make purchases abroad with no extra fee.

What to watch out for

  • Annual fee: $49 after the first year.
    It’s possible to offset this fee if you use the card to earn enough rewards.

Compare travel credit cards

Name Product Welcome offer Rewards Annual fee Filter values
30,000 points after spending $2,000 in the first 3 months
3x Membership Rewards® points on all eligible travel, 3x points at restaurants and 1x points on all other purchases
$150
Earn 3x Membership Rewards® points on all eligible travel, 3x points at restaurants and 1x points on all other purchases. 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
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
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.

Compare up to 4 providers

Bottom line

While other cards may offer stronger rewards, the U.S. Bank FlexPerks® Travel Rewards® Visa Signature® Card’s offers strong travel redemption options.

If you’re not sure this card is right for you, consider other travel credit cards.

Frequently asked questions

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