US Bank FlexPerks® Select+ American Express® Card Review

This is a rewards credit card issued by US Bank. If you're wondering whether US Bank FlexPerks® Select+ 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.

• 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 9 months , which is shorter than the average 0% APR period of 12 months.
• Signup bonus. Offers a signup bonus of 10000 points after spending $1,000 within 4 months that can be redeemed for travel, gifts, or other perks.
• Competitive APRs. US Bank FlexPerks® Select+ American Express® Card has a variable purchase APR that ranges from 15.74% up to 25.74%.
• No annual fee*. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
• 3% Balance transfer fee. US Bank FlexPerks® Select+ 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.
• Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
• 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.
• 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.
• Good or better credit required. You will have low approval odds if your credit score is below 680.

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

US Bank FlexPerks® Select+ American Express® Card is a travel rewards card.

What are the US Bank FlexPerks® Select+ 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® Select+ American Express® Card?

It has a variable purchase APR that ranges from 15.74% up to 25.74%. The card has a variable balance transfer APR that ranges from 15.74% up to 25.74%. It also has a variable cash advance APR of 25.74% .

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

The following fees apply:

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.

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

Yes, US Bank FlexPerks® Select+ 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® Select+ American Express® Card

• Visit the US Bank FlexPerks® Select+ 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.