Features

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Who is the US Bank FlexPerks Select Rewards Visa Card Designed For?

The US Bank FlexPerks Select Rewards Visa Card is designed for people with good to excellent who want to earn rewards from their purchases but don't want to pay an annual fee, particularly those who plan to redeem their points for airline tickets. The card also has generous shopping and travel rewards, plus a 0% APR intro rate on new purchases.

What are the Rates for US Bank FlexPerks Select Rewards Visa Card?

The FlexPerks Select Rewards Visa Card has a rate of 13.99% APR to 23.99% APR on purchases and balance transfers. Cash advances have a 23.99% APR. There isn't a penalty rate and new customers get a 9-month 0% APR intro rate on balance transfers. However, there is a balance transfer fee to pay.

What Are the Fees for the US Bank FlexPerks Select Rewards Visa Card?

The FlexPerks Select Rewards Visa card doesn't have an annual fee, nor does it charge an overlimit fee. However, it does charge a 3% fee (minimum of $5) on balance transfers and a 4% fee ($10 minimum) on cash advances. Foreign transactions have a 3% fee. Late payments incur a $38 fee, retuned payments trigger a $35 fee and foreign transactions have a 3% fee (2% if the foreign transaction was in U.S. Dollars).

What Is the US Bank FlexPerks Select Rewards Visa Card's Rewards Program Like?

US Bank's FlexPerks Select Rewards Visa card has a points-based rewards program that gives cardholders 1 point for every $2 they spend. This is a pretty low reward rate, up to four times lower than prime travel reward cards, but you are dealing with a credit card that doesn't charge an annual fee. Another benefit is that FlexPerks allows you to redeem your points for airline tickets with no blackout dates or online redemption fees and you still get to earn frequent flyer miles as if it weren't an award ticket. You can also combine FlexPoints from several accounts into one rewards account and there is not cap to the amount of points you can earn.

What about the US Bank FlexPerks Select Rewards Visa Card's Signup Bonus?

US Bank FlexPerks Select Rewards Visa Card gives new customers 10,000 bonus FlexPoints once they spend $1,000 within the first four months of opening an account. This is a generous signup bonus with a modest spending requirements, particularly for a card with no annual fee.

Does the US Bank FlexPerks Select Rewards Visa Have Any Other Benefits?

The US Bank FlexPerks Select Rewards Visa Card may not have generous reward rates but it does include prime travel and shopping perks. These include auto rental collision damage waiver, travel and emergency assistance services, travel accident insurance, purchase security, warranty manager service, lost or stolen card reporting service and zero fraud liability.

How Is the US Bank FlexPerks Select Rewards Visa Better Than Other Credit Cards?

US Bank FlexPerks Select Rewards Visa gives cardholders a flexible rewards program and generous travel and shopping perks without charging an annual fee. It also includes a substantial signup bonus and a 9-month 0% APR intro rate on balance transfers. Although the rewards rate is only one point for every $1 spent, it does give travelers the chance of earning frequent flyer miles on award tickets.

  • Card Type
    • Balance Transfer
    • Rewards
  • Customer Type
    Personal
  • Card Network
    Visa
  • Credit Score Range
    700 - 850
  • Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
  • Military Status
    • Active Duty Military
    • Military Dependent
    • Non-Military
    • Veterans
  • Minimum Age
    18
  • Supported Income Types
    • 1099 Misc. Income
    • Cash / Other
    • Direct Deposit (W2, SSA, SSDI)
    • Payroll Check or Prepaid Card
  • Grace Period / Deferred Interest
    24
  • Late Payment Penalty
    $38
  • Minimum Interest Charge
    $2
  • Returned Payment Fee
    $35
  • Foreign Currency Transaction Fee
    3%
  • No Annual Fee
  • Car Rental Insurance
  • Emergency Support
  • Extended Warranty
  • Fraud Liability
  • Travel Insurance
  • Points
  • Purchases APR
    Starting at 13.99%
  • Transfer Fee
    3% w/$5 min.
  • Balance Transfer APR
    Starting at 13.99%
  • 0% Introductory APR
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