SuperMoney
  US Bank FlexPerks® Gold American Express® Card

US Bank FlexPerks® Gold American Express® Card

in Personal Credit Cards from US Bank

Unaffiliated

US Bank FlexPerks® Gold American Express® Card

Unaffiliated

in Personal Credit Cards from US Bank

Not enough votes for recommendation

Not enough votes for recommendation

Cast your vote

Would you recommend US Bank FlexPerks® Gold American Express® Card to your friends?

Thanks for your vote!

You voted: May or may not recommend

Highlights
Purchase APR  (Variable APR) 14.49% - 24.49%
Balance Transfer APR  (Variable APR) 14.49% - 24.49%
Credit Score Range 650 - 850
Annual Fee $85

US Bank FlexPerks® Gold American Express® Card Review

This is a cashback credit card issued by US Bank. If you're wondering whether US Bank FlexPerks® Gold American Express® Card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • Generous reward rate. You will get a rewards rate of up to 5 reward points per dollar spent.
  • Signup bonus. Offers a signup bonus of 30000 points after spending $2,000 within 4 months that can be redeemed for travel, gifts, or other perks.
  • Competitive APRs. US Bank FlexPerks® Gold American Express® Card has a variable purchase APR that ranges from 14.49% up to 24.49%.
  • 3% Balance transfer fee. US Bank FlexPerks® Gold American Express® Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $5.
  • No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
  • Accepts cosigners. US Bank is one of the few credit card issuers that allows applicants to include a cosigner. Adding a cosigner can really improve your approval chances if your credit is not great.
  • Gas rewards. on eligible gas purchases.
  • Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, extended warranty protection on purchases, Global Entry / TSA Precheck Fee Credit, identity theft protection, purchase protection, travel assistance, and fraud protection.
  • Fair or better credit required. You will have good approval oods if your credit score is above650.
Pros & Cons of US Bank FlexPerks® Gold American Express® Card
The Good The Bad
  • Lower than average purchase APRs.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Extended warranty on purchases.
  • Global Entry / TSA Precheck Fee Credit.
  • Identity Theft Protection.
  • Travel assistance insurance
  • No foreign transaction fee.
  • Cardholders can earn rewards on their purchases.
  • US Bank FlexPerks® Gold American Express® Card reports to multiple credit bureaus.
  • Charges an annual fee of $85
  • Charges a 3% balance transfer fee.
US Bank FlexPerks® Gold American Express® Card FAQ

Does US Bank FlexPerks® Gold American Express® Card have a cash back or rewards program?

This is a cashback card. This means you earn a percentage of your purchases as cash back rewards. You will receive 1% cash back on travel, dining, groceries, drugstore purchases, or any other purchase. For example, if you buy a $1,000 laptop, you will receive $10 back in cash. However, you can earn up to 5% for purchases in a bonus category.

US Bank FlexPerks® Gold American Express® Card Rewards
Minimum rewards rate 1x
Max rewards rate 5x
Annual rewards limit N/A
Signup Bonus (Points/Miles) 30000
Signup Bonus Spend Requirement $2000
Signup Bonus Spend Period (months) 4 months

Does US Bank FlexPerks® Gold American Express® Card have a signup bonus?

This card doesn't offer a cash signup bonus. However, it does include a 30000 points signup bonus after spending $2000 that can be redeemed for travel, gifts, or other perks.

Does US Bank FlexPerks® Gold American Express® Card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the US Bank FlexPerks® Gold American Express® Card benefits?

It provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Zero fraud liability
  • Travel Assistance
  • Reports to major credit bureaus

What are the relevant APRs for US Bank FlexPerks® Gold American Express® Card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. It has lower than average regular APRs.

It has a variable purchase APR that ranges from 14.49% up to 24.49%. The card has a variable balance transfer APR that ranges from 14.49% up to 24.49%. It also has a variable cash advance APR of 25.9% .

The good news is this card does not charge a penalty APR if you are late on a payment.

Does US Bank FlexPerks® Gold American Express® Card have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does US Bank FlexPerks® Gold American Express® Card have an intro APR offer on new purchases?

This card does not offer an intro APR rate on new purchases.

What are the fees for US Bank FlexPerks® Gold American Express® Card?

The following fees apply:

  • There is no overlimit fee
US Bank FlexPerks® Gold American Express® Card Fees
Fees Amount
Annual Fee $85
Overlimit Fee $0
Foreign Transaction Fee 0%
Returned Payment Fee up to $40
Late Payment Fee up to $40

Does US Bank FlexPerks® Gold American Express® Card have a foreign transaction fee?

This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.

What is the customer service phone number for US Bank FlexPerks® Gold American Express® Card?

The US Bank FlexPerks® Gold American Express® Card customer service number is (800) 872-2657.

What is the support contact email for US Bank FlexPerks® Gold American Express® Card?

The support contact email for US Bank FlexPerks® Gold American Express® Card is customer.support@usbank.com.

Does US Bank FlexPerks® Gold American Express® Card report your account activity to credit bureaus?

Yes, US Bank FlexPerks® Gold American Express® Card reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for US Bank FlexPerks® Gold American Express® Card

  • Visit the US Bank FlexPerks® Gold American Express® Card website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Gas (Points) 2
Every Purchase (Points) Earn 3X FlexPoints at restaurants. Earn 2XFlexPoints at airlines and gas stations. Earn 1 FlexPoint for every $1 spent on all other eligible net purchases
Foreign Currency Transaction Fee 0%
No Foreign Transaction Fee
Over-Limit Fee $0
No Interest Grace Period for Late Payment 24 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Up to 5%
Minimum Cash Advance Fee ($) Starting at $10
Annual Fee $85
Minimum Interest Charge $2
Returned Payment Fee Up to $40
Late Fee Amount Up to $40
Customer Type Personal
Minimum Age 18
Co-signing Allowed
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Global Entry / TSA Precheck Fee Credit
  • Identity Theft Protection
  • Purchase Protection
  • Travel Assistance
Rewards Categories
  • Points on Airfare
  • Points on Gas
  • Points on Restaurants
  • Points on Every Purchase
Signup Bonus (points) 30,000
Cash Advance APR (Variable APR) 25.9%
Balance Computation average daily balance (including new purchases).
Penalty APR (Variable APR) 0%
Purchase APR (Variable APR) 14.49% - 24.49%
Balance Transfer APR (Variable APR) 14.49% - 24.49%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%
Card Type
  • Bonus Offers
  • Cashback
  • Gas
  • Rewards
  • Travel
Card Network American Express

Be the first to rate

 

Would you recommend US Bank FlexPerks® Gold American Express® Card to your friends?

Before we publish your vote:

Please explain your vote by sharing your experience.

Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

Please write a review to submit your vote
(will require moderator approval)

Other Personal Credit Cards

US Bank Personal Credit Cards

Loading...