US Bank FlexPerks® Gold American Express® Card

US Bank FlexPerks® Gold American Express® Card Review

This is a cashback 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.
• 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 16.74% up to 26.74%.
• 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.
• Gas rewards. 2x points on eligible fuel purchases.
• Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, extended warranty protection on purchases, identity theft protection, purchase protection, travel assistance, and fraud protection.
• Fair or better credit required. You will have good approval odds if your credit score is above 650.

Pros & Cons of US Bank FlexPerks® Gold American Express® Card

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.

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?

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.

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

The following fees apply:

• There is no overlimit fee

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.