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  US Bank FlexPerks® Select+ American Express® Card

US Bank FlexPerks® Select+ American Express® Card

in Personal Credit Cards from US Bank

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US Bank FlexPerks® Select+ American Express® Card

Unaffiliated

in Personal Credit Cards from US Bank

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

US Bank FlexPerks® Select+ American Express® Card Review

US Bank FlexPerks® Select+ American Express® Card 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 is everything you need to know to make a good choice.

  • 0% balance transfer intro rate. Offers an introductory APR rate on balance transfers of 0% 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 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 of up to 25.74%.
  • No annual fee. This is a great options for people looking for a low-maintenance rewards card. It gives rewards on your purchases but you don't have to pay an annual fee for the privilege.
  • 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, purchase protection, travel assistance, and fraud protection.
  • Good or better credit required. You should probably try with another card if your credit score is below 680.
The Good The Bad
  • Lower than average purchase APRs.
  • No annual fee.
  • Has an introductory APR rate on balance transfers of 0%.
  • Multiple credit card perks.
  • Earn rewards on every purchase.
  • US Bank FlexPerks® Select+ American Express® Card reports to multiple credit bureaus.
  • Cardholders can earn rewards on their purchases.
  • Offers auto rental collision damage waiver.
  • Extended warranty on purchases.
  • Travel assistance insurance
  • Requires good to excellent credit.
  • Charges a foreign transaction fee of 3%.

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

US Bank FlexPerks® Select+ American Express® Card offers a rewards program to its customers.

US Bank FlexPerks® Select+ American Express® Card Rewards
Rewards rate (all purchases) 1%
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?

US Bank FlexPerks® Select+ American Express® 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?

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

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

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

  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Zero fraud liability
  • Travel Assistance
  • ID Theft Protection
  • 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 interest rate is 15% for all credit cards and 17% for accounts that carry a balance. US Bank FlexPerks® Select+ American Express® Card has lower than average purchase 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 introductory APR offer on balance transfers??

Yes, US Bank FlexPerks® Select+ American Express® Card offers an introductory 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 APR 15.74% - 25.74%
Introductory Rate 0%
Intro APR period (months) 9

Does US Bank FlexPerks® Select+ American Express® Card have an introductory APR offer on new purchases??

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

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

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

US Bank FlexPerks® Select+ American Express® Card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 3%
Balance Transfer Fee 3%
Minimum Balance Transfer Fee $5
Returned Payment Fee up to $35
Late Payment Fee up to $39

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 a foreign transaction fee.

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

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 can help improve your credit score.

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 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

Every Purchase (Points) Earn 1 FlexPoint for every $1 in eligible Net Purchases
No Annual Fee  
Annual Fee $0
No Interest Grace Period for Late Payment 24
Cash Advance Fee Minimum $5
Cash Advance Fee (%) 3% - 4%
Foreign Currency Transaction Fee 3%
Minimum Interest Charge $2
Returned Payment Fee Up to $35
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%
Late Fee Amount Up to $39
Customer Type Personal
Minimum Age 18
Co-signing Allowed  
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Card Type
  • Balance Transfer
  • Bonus Offers
  • Rewards
  • Travel
Card Network
  • American Express
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Emergency Support  
Extended Warranty  
Car Rental Insurance  
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Identity Theft Protection
  • Purchase Protection
  • Travel Assistance
Bonus Rewards Earn 10,000 bonus FlexPoints when spend $1,000 in eligible Net Purchases on your card within the first four months of account opening
Rewards Categories
  • Every Purchase
Signup Bonus (points) 10,000
Cash Advance APR (Variable APR) 25.74%
Purchase APR (Variable APR) 15.74% - 25.74%
Balance Computation average daily balance (including new purchases)
Balance Transfer APR (Variable APR) 15.74% - 25.74%
Introductory Rate 0%
Intro APR period 9

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