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  US Bank FlexPerks® Gold American Express® Card

US Bank FlexPerks® Gold American Express® Card

in Personal Credit Cards from US Bank

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US Bank FlexPerks® Gold American Express® Card

Unaffiliated

in Personal Credit Cards from US Bank

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Highlights
Highlights
Annual Fee $85
Purchase APR  (Variable APR) 15.49% - 25.49%
Balance Transfer APR  (Variable APR) 15.49% - 25.49%
Credit Score Range 680 - 850

US Bank FlexPerks® Gold American Express® Card Review

US Bank FlexPerks® Gold American Express® Card is a cashback credit card issued by US Bank. 

This card is designed for people with good credit. The minimum credit score to apply is 680. 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. If you're wondering whether US Bank FlexPerks® Gold American Express® Card is the right card for you, read on. This is everything you need to know to make a good choice.

Is there a US Bank FlexPerks® Gold American Express® Card cash back or rewards program?

US Bank FlexPerks® Gold American Express® Card is a cashback card. This means you earn a percentage of your purchase as a cash reward. With US Bank FlexPerks® Gold American Express® Card you receive 1% cash back on every purchase. For example, if you buy a $1,000 laptop, you will receive $10 back in cash. However, you can earn up to 3% for purchases in a bonus category.

US Bank FlexPerks® Gold American Express® Card Rewards
Rewards rate (all purchases) 1%
Max rewards rate 3%
Annual rewards limit N/A
Signup Bonus ($) N/A
Signup Bonus (Points/Miles) 30000
Signup Bonus Spend Requirement $2000

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

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.

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

US Bank FlexPerks® Gold American Express® 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
  • Fraud Liability
  • Travel Assistance
  • ID Theft Protection
  • Reports to major credit bureaus

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

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% .

Does US Bank FlexPerks® Gold American Express® Card have an introductory APR offer?

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.
US Bank FlexPerks® Gold American Express® Card Rates & Terms
Purchase APR 15.49% - 25.49%
Balance Transfer APR 15.49% - 25.49%
Cash Advance APR Starting at 25.49%

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

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

US Bank FlexPerks® Gold American Express® Card Fees
Fees Amount
Annual Fee $85
Foreign Transaction Fee 0%
Balance Transfer Fee 3%
Minimum Balance Transfer Fee $5
Returned Payment Fee $35
Late Payment Fee $38

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

US Bank FlexPerks® Gold American Express® Card does not charge foreign transaction fees. If you are a frequent traveler, this can save you hundreds of dollars in credit card fees when you travel out of the country.

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

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

  • Visit the US Bank website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
  • Check the information is accurate and submit your application.
  • If you're denied click here to find out why your application may have been rejected and what you can do about it.

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...

Availability

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

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

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