Last Updated: 05/14/2026
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Highlights
Purchase APR (Variable APR)
16.74% - 26.74%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
14.49% - 24.49%(Verified 06/21/2024)
Disclaimer popup with additional information
Credit Score Range
650 - 850
Annual Fee
$85
US Bank FlexPerks® Gold American Express® Card Review
This is a cashback credit card issued by U.S. Bank. If you're wondering whether US Bank FlexPerks® Gold American Express® Card is the right card for you, read on.
Key Takeaways
- Generous reward rate. You can get a rewards rate of up to 5 reward points per dollar spent.
- Welcome offer. Offers a signup bonus of 30000 points that can be redeemed for travel, gifts, or other perks.
- APRs: US Bank FlexPerks® Gold American Express® Card has a variable regular purchase APR that ranges from 16.74% up to 26.74%.
- A 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. U.S. 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.
- Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, emergency support, extended warranty protection on purchases, identity theft protection, purchase security, travel assistance, and fraud protection.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of US Bank FlexPerks® Gold American Express® Card
| The Good | The Bad |
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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.
| Description |
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 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?
US Bank FlexPerks® Gold American Express® Card 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 for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.US Bank FlexPerks® Gold American Express® Card has a variable purchase APR that ranges from 16.74% up to 26.74%. 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 28.24% .
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?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $41 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $85 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $41 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Up to 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card charges an annual fee of $85.
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 customer service number for US Bank FlexPerks® Gold American Express® Card 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.
How do people rate the customer service and user experience of US Bank FlexPerks® Gold American Express® Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does US Bank FlexPerks® Gold American Express® Card report your account activity to credit bureaus?
Yes, US Bank FlexPerks® Gold American Express® Card reports to the following credit bureaus:
- 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 build your credit.
Does U.S. Bank perform a hard credit pull?
Yes, US Bank FlexPerks® Gold American Express® Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for US Bank FlexPerks® Gold American Express® Card
- Visit the website of US Bank FlexPerks® Gold American Express® Card.
- 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.
Hours of Operation
Sunday
Closed
Monday
8:30AM - 5:30PM
Tuesday
8:30AM - 5:30PM
Wednesday
8:30AM - 5:30PM
Thursday
8:30AM - 5:30PM
Friday
8:30AM - 5:30PM
Saturday
Closed
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Other Credit Cards from U.S. Bank
Purchase APR
16.74% - 26.74%
Disclaimer popup with additional information
Balance Transfer APR
13.99% - 23.99%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$0
Purchase APR
15.99% - 23.99%
Disclaimer popup with additional information
Balance Transfer APR
15.99% - 23.99%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
14.99% - 22.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
700 - 850
300
850
Annual Fee
$50
Rating not yet determined
Purchase APR
15.99% - 22.99%
Disclaimer popup with additional information
Balance Transfer APR
15.99% - 22.99%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$75
Rating not yet determined
Purchase APR
16.74% - 26.74%
Disclaimer popup with additional information
Balance Transfer APR
13.99% - 23.99%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
18.24% - 26.24%
Disclaimer popup with additional information
Balance Transfer APR
18.24% - 26.24%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$450
Rating not yet determined
Purchase APR
14.49% - 24.49%
Disclaimer popup with additional information
Balance Transfer APR
14.49% - 24.49%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$80
Rating not yet determined
Purchase APR
18.24% - 26.24%
Disclaimer popup with additional information
Balance Transfer APR
18.24% - 26.24%
Disclaimer popup with additional information
Credit Score Range
720 - 850
300
850
Annual Fee
$0 - $95
Rating not yet determined
Purchase APR
17.24% - 26.24%
Disclaimer popup with additional information
Balance Transfer APR
17.24% - 26.24%
Disclaimer popup with additional information
Credit Score Range
Starting at 720
Annual Fee
$0
Rating not yet determined
Purchase APR
19.49% - 29.49%
Disclaimer popup with additional information
Balance Transfer APR
19.49% - 29.49%
Disclaimer popup with additional information
Credit Score Range
670 - 850
300
850
Annual Fee
$0 - $95
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Learn MoreSuperMoney Net Recommendation Score
Not enough SuperMoney users have reviewed this product to provide a recommendation score or rating.
+100
-1000+100
No one recommends
Everyone recommends
US Bank FlexPerks® Gold American Express® Card Community Reviews
Would you recommend US Bank FlexPerks® Gold American Express® Card to your friends?
MM
Michelle M.
Oct 13, 2022
May or may not recommend
This is a newer card to me, I'm pleasantly surprised with the rewards received so far!
Showing 1 of 1 reviews
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