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US Bank FlexPerks® Gold American Express® Card

in Personal Credit Cards

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US Bank FlexPerks® Gold American Express® Card

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in Personal Credit Cards

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Overview

Who is this credit card designed for?

US Bank FlexPerks® Gold American Express® Card is a credit card issued by US Bank, which is based in Minneapolis, MN. 

US Bank FlexPerks® Gold American Express® Card is designed for people with a credit score of 680 to 850. It is also designed for people who want a cashback rewards program. This card allows you to earn cash on the purchases you make. A rewards program is included that allows you to convert your purchases into travel, gifts, or other perks. US Bank is one of the few credit card issuers that allows applicants to include a cosigner, which improves the approval chances of people with not-so-great credit.

What are the relevant APRs?

US Bank FlexPerks® Gold American Express® Card has a variable purchase APR that ranges from 15.49% up to 25.49%.

The card has a variable balance transfer APR that ranges from 15.49% up to 25.49%.

It also has a variable cash advance APR starting at 25.49%.

Is an introductory APR offer available?

No, US Bank FlexPerks® Gold American Express® Card does not come with an introductory APR offer for balance transfers.

US Bank FlexPerks® Gold American Express® Card does not offer an introductory rate on new purchases.

What are the fees?

The following fees apply to US Bank FlexPerks® Gold American Express® Card:

  • An annual fee of $85. Make sure the rewards and benefits of this card justify the cost of the annual fee.
  • A late payment penalty of $38.
  • A returned payment fee of $35.
  • There are no foreign transaction fees.

Is a rewards program offered?

US Bank FlexPerks® Gold American Express® Card offers a rewards program to its customers. The rewards program allows you to earn cash with every purchase you make. This card features rewards for purchases in the following categories:

  • Airfare
  • Every Purchase
  • Gas
  • Restaurants

Is a signup bonus offered?

US Bank FlexPerks® Gold American Express® 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.

Is an annual loyalty bonus offered?

US Bank FlexPerks® Gold American Express® Card doesn't offer a cash loyalty bonus.

What additional benefits are offered?

 US Bank FlexPerks® Gold American Express® Card provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Travel Assistance
  • Global Entry
  • Reports to major credit bureaus

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

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

  • Equifax
  • Experian
  • Transunion

Making regular and on-time payments on a credit card that reports your account activity to credit bureaus will demonstrate that you consistently manage debt well and can help increase your credit scores.

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...

Availability

Available in 50 States and Washington, DC
  • 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

Grace Period
24
Foreign Currency Transaction Fee
0%
No Foreign Transaction Fee
Late Payment Penalty
$38
Returned Payment Fee
$35
Minimum Interest Charge
$2
Annual Fee
$85
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Credit Score Range
680 - 850
850 300 680
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Minimum Age
18
Co-signing Allowed
Customer Type
Personal
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Global Entry
  • ID Theft Protection
  • Purchase Protection
  • Travel Assistance
Car Rental Insurance
Extended Warranty
Fraud Liability
Emergency Support
Lost Luggage Insurance
Bonus Rewards
3x
Rewards Categories
  • Airfare
  • Every Purchase
  • Gas
  • Restaurants
Every Purchase
1x
Signup Bonus (points)
30,000
Cash Advance APR
(Variable APR)
Starting at
25.49%
Purchases APR
(Variable APR)
15.49% - 25.49%
0% 29%
Balance Computation
average daily balance (including new purchases)
Balance Transfer APR
(Variable APR)
15.49% - 25.49%
8% 29%
Transfer Fee
3%
Transfer Fee Minimum
$5
Transfer Fee
3% ($5 minimum)

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