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  US Bank FlexPerks® Select+ American Express® Card

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US Bank FlexPerks® Select+ American Express® Card

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US Bank FlexPerks® Select+ American Express® Card

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Highlights
Purchase APR  (Variable APR) 15.74% - 25.74%
Balance Transfer APR  (Variable APR) 15.74% - 25.74%
Credit Score Range 680 - 850
Annual Fee $0

US Bank FlexPerks® Select+ American Express® Card Review

US Bank FlexPerks® Select+ American Express® Card is no longer available to new customers on SuperMoney.

Click here to compare Credit Cards and quickly find the best options for your needs.

This is a rewards card issued by U.S. Bank. If you're wondering whether US Bank FlexPerks® Select+ American Express® Card is the right card for you, read on.

Key Takeaways

  • 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. 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 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.

Pros & Cons of US Bank FlexPerks® Select+ American Express® Card

The Good The Bad
  • Potentially lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 9 months.
  • No annual fee.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Extended warranty on purchases.
  • Identity Theft Protection.
  • Travel assistance insurance
  • Cardholders can earn rewards on purchases everywhere US Bank FlexPerks® Select+ American Express® Card is accepted.
  • US Bank FlexPerks® Select+ American Express® Card reports to multiple credit bureaus.
  • You need good credit to qualify.
  • Charges a foreign transaction fee of 3%.
  • Charges a 3% balance transfer fee.

US Bank FlexPerks® Select+ American Express® Card FAQ

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.

US Bank FlexPerks® Select+ American Express® Card Rewards
Minimum rewards rate 1x
Max rewards rate N/A
Annual rewards limit N/A
Signup Bonus ($) N/A
Signup Bonus (Points/Miles) 10000
Signup Bonus Spend Requirement $1000
Signup Bonus Spend Period (months) 4 months

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

This card doesn't offer a cash signup bonus. However, it does include a 10000 points signup bonus after spending $1000 that can be redeemed for travel, gifts, or other perks.

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

This card doesn't offer a cash loyalty bonus.

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?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has lower than average regular APRs.

US Bank FlexPerks® Select+ American Express® Card 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% .

Does US Bank FlexPerks® Select+ American Express® Card have an intro APR offer on balance transfers?

Yes, it offers an intro APR rate on balance transfers of 0% for a period of up to 9 months.

US Bank FlexPerks® Select+ American Express® Card Balance Transfers
Description
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period 9 months
Balance Transfer APR 15.74% - 25.74%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%

Does US Bank FlexPerks® Select+ 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® Select+ American Express® Card?

The following fees apply:

US Bank FlexPerks® Select+ American Express® Card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 3%
Returned Payment Fee up to $35
Late Payment Fee up to $39

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 have a foreign transaction fee?

US Bank FlexPerks® Select+ American Express® Card charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.

What is the customer service phone number for US Bank FlexPerks® Select+ American Express® Card?

The US Bank FlexPerks® Select+ American Express® Card customer service number is (800) 872-2657.

What is the support contact email for US Bank FlexPerks® Select+ American Express® Card?

The support contact email for US Bank FlexPerks® Select+ American Express® Card is customer.support@usbank.com.

What is the US Bank FlexPerks® Select+ American Express® Card login page?

You can access the US Bank FlexPerks® Select+ American Express® Card login page here.

How do people rate the customer service and user experience of US Bank FlexPerks® Select+ American Express® Card?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

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.

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.

Contact

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

Other Services by U.S. Bank

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Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • 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
  • Washington, DC
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Cash Advance Fee Minimum $5
Cash Advance Fee (%) 3% - 4%
Foreign Currency Transaction Fee 3%
No Annual Fee
Annual Fee $0
Minimum Interest Charge $2
No Interest Grace Period for Late Payment 24 days
Returned Payment Fee Up to $35
Late Fee Amount Up to $39
Customer Type Personal
Minimum Age 18
Co-signing Allowed
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
  • Unemployed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 680 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Purchase Protection
  • Emergency Support
  • Fraud Liability
  • Travel Assistance
Rewards Categories
  • Every Purchase
Signup Bonus (points) 10,000
Cash Advance APR (Variable APR) 25.74%
APR Type Variable APR
Balance Computation average daily balance (including new purchases)
Purchase APR (Variable APR) 15.74% - 25.74%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 9 months
Balance Transfer APR (Variable APR) 15.74% - 25.74%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%
Card Type
  • Rewards
  • Balance Transfer
  • Travel
  • Bonus Offers
Card Network American Express

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