U.S. Bank FlexPerks® Travel Rewards® Visa Signature® Card review
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.
Points as welcome offer
Up to 2x
for the first year ($49 thereafter)
15.49% to 25.49%
Purchase APR (variable)
|Product Name||U.S. Bank FlexPerks® Travel Rewards® Visa Signature® Card|
|Annual fee||$0 intro annual fee for the first year ($49 thereafter)|
|Purchase APR||15.49% to 25.49% variable|
|Balance transfer APR||15.49% to 25.49% variable|
|Balance transfer fee||$5 or 3% of the transaction, whichever is greater|
|Cash advance rate||25.49% variable|
|Cash advance fee||$10 or 4% of the cash advance amount, whichever is greater|
|Foreign transaction fee||None|
|Interest free period||Up to 30 days|
|Late payment fee||Up to $39|
|Returned payment fee||Up to $35|
|Rates & fees||rates & fees|
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.
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.
- 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
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.