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US Bank FlexPerks® Select+ American Express® Card

in Personal Credit Cards

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US Bank FlexPerks® Select+ American Express® Card

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in Personal Credit Cards

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Overview

Who is this credit card designed for?

US Bank FlexPerks® Select+ American Express® Card is a credit card issued by US Bank, which is based in Minneapolis, MN. 

US Bank FlexPerks® Select+ American Express® Card is designed for people with a credit score of 680 to 850. It's perfect for consumers looking for a card without an annual fee. A rewards program is included that allows you to convert your purchases into travel, gifts, or other perks. This card supports balance transfers, which is an attractive feature if you have credit card debt and would like to transfer it to a card with a lower APR. 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.

What are the relevant APRs?

US Bank FlexPerks® Select+ American Express® Card has a variable purchase APR that ranges from 15.49% up to 24.99%.

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%.

Is an introductory APR offer available?

Yes, US Bank FlexPerks® Select+ American Express® Card offers an introductory APR rate on balance transfers of 0% for a period of 9 months.

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

What are the fees?

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

  • There is no annual fee.
  • A late payment penalty of $38.
  • A returned payment fee of $35.
  • A foreign transaction fee of 3%. Transactions in a foreign currency get hit with a 3% fee. For example, if you buy a $1,000 flight in euros, you will pay a foreign transaction fee of $30.

Is a rewards program offered?

US Bank FlexPerks® Select+ American Express® Card offers a rewards program to its customers. This card features rewards for purchases in the following categories:

  • Every Purchase

Is a signup bonus offered?

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.

Is an annual loyalty bonus offered?

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

What additional benefits are offered?

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

  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Travel Assistance
  • Reports to major credit bureaus

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 and on-time payments on a credit card that reports your account activity to credit bureaus will demonstrate that you consistently manage debt well and can help increase your credit scores.

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

Available in 50 States and Washington, DC
  • 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

Grace Period
24
Annual Fee
$0
No Annual Fee
Late Payment Penalty
$38
Returned Payment Fee
$35
Minimum Interest Charge
$2
Foreign Currency Transaction Fee
3%
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range
680 - 850
850 300 680
Minimum Age
18
Co-signing Allowed
Customer Type
Personal
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • ID Theft Protection
  • Purchase Protection
  • Travel Assistance
Car Rental Insurance
Extended Warranty
Emergency Support
Rewards Categories
  • Every Purchase
Every Purchase
1x
Signup Bonus (points)
10,000
Cash Advance APR
(Variable APR)
Starting at
25.49%
Purchases APR
(Variable APR)
15.49% - 24.99%
0% 29%
Balance Computation
average daily balance (including new purchases)
Balance Transfer APR
(Variable APR)
15.49% - 25.49%
8% 29%
Transfer Fee
3%
Transfer Fee Minimum
$5
Transfer Fee
3% ($5 minimum)
Introductory Rate
0%
Intro APR period (months)
9

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