U.S. Bank FlexPerks® Travel Rewards Visa card review | finder.com

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

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U.S. Bank FlexPerks® Travel Rewards® Visa Signature® Card Learn more Apply now

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  • Clicking Apply now will take you to your online application on the bank's website. You do not need to be an existing customer of this bank to apply.
  • Your application will typically take you no more than 10-15 minutes to complete
  • Once approved, you will typically receive your credit card within 1-2 weeks
Click here to start your application >>

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.
Product NameU.S. Bank FlexPerks® Travel Rewards® Visa Signature® Card
Card TypeVisa
Annual Fee$0 intro annual fee for the first year ($49 thereafter)
Standard Purchase APR16.24% to 26.24% variable
Intro Purchase APR

N/A

Standard Balance Transfer APR16.24% to 26.24% variable
Intro Balance Transfer APR

N/A

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 FeeNone
Interest Free PeriodUp to 30 days
Late Payment FeeUp to $39
Returned Payment FeeUp to $35
Rates & FeesRates & Fees
Minimum Age18 years of age
Welcome Offer25,000 points after spending $2,000 in the first 4 months
Rewards2x points on gas, groceries or airlines, whichever you spend the most on each month, 2x points on cell phone services and charities and 1x points on all other purchases
Base Rewards1x points

The basics

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
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
60,000 points after spending $5,000 in your first 3 months
5x points on directly-booked flights or on flights and hotels on Amex Travel. 1x points on all other purchases
$550
Get 5x Membership Rewards® points on flights booked directly with airlines or with American Express Travel and 5x points on eligible hotels booked on amextravel.com. Rates & fees
35,000 points after spending $2,000 in the first 3 months
3x points on directly-booked flights; 4x at restaurants; 4x at US supermarkets on up to $25,000 annually (then 1x points)
$250
35,000 bonus Membership Rewards® Points when you spend $2,000 in the first 3 months. Rates & fees
25,000 points after spending $2,000 in the first 4 months
2x points on gas, groceries or airlines, whichever you spend the most on each month, 2x points on cell phone services and charities and 1x points on all other purchases
$0 intro annual fee for the first year ($49 thereafter)
Earn 25,000 enrollment FlexPoints worth $375 in travel after spending $2,000 in the first 4 months. Rates & Fees
60,000 miles after spending $2,000 in the first 3 months, plus $50 after your first 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)
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

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.

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