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  US Bank FlexPerks® Travel Rewards Visa Signature® Card

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US Bank FlexPerks® Travel Rewards Visa Signature® Card

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US Bank FlexPerks® Travel Rewards Visa Signature® Card

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Highlights
Purchase APR  (Variable APR) 15.74% - 25.74%
(Verified 08/04/2023)
Balance Transfer APR  (Variable APR) 15.74% - 25.74%
(Verified 08/04/2023)
Credit Score Range 700 - 850
Annual Fee $49

US Bank FlexPerks® Travel Rewards Visa Signature® Card Review

US Bank FlexPerks® Travel Rewards Visa Signature® 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® Travel Rewards Visa Signature® Card is the right card for you, read on.

Key Takeaways

  • Generous reward rate. You can get a rewards rate of up to 3 reward points per dollar spent.
  • Signup bonus. Offers a signup bonus of 25000 points after spending $2,000 that can be redeemed for travel, gifts, or other perks.
  • Competitive APRs. US Bank FlexPerks® Travel Rewards Visa Signature® Card has a variable purchase APR that ranges from 15.74% up to 25.74%.
  • Annual fee waived the first year. US Bank FlexPerks® Travel Rewards Visa Signature® Card gives you the chance to have the card for a year without paying the $49 annual fee.
  • 3% Balance transfer fee. US Bank FlexPerks® Travel Rewards Visa Signature® 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.
  • No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
  • 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 Auto Rental Collision Damage Waiver, emergency support, extended warranty protection on purchases, identity theft protection, travel accident insurance, travel assistance, and fraud protection.
  • Good or better credit required. You will have low approval odds if your credit score is below 700.

Pros & Cons of US Bank FlexPerks® Travel Rewards Visa Signature® Card

The Good The Bad
  • Potentially lower than average purchase APRs.
  • Annual fee waived during the first year.
  • Multiple credit card perks.
  • Offers Auto Rental Collision Damage Waiver.
  • Extended warranty on purchases.
  • Free access to your credit score.
  • Identity Theft Protection.
  • Travel accident and travel assistance insurance.
  • No foreign transaction fee.
  • Cardholders can earn rewards on purchases everywhere US Bank FlexPerks® Travel Rewards Visa Signature® Card is accepted.
  • US Bank FlexPerks® Travel Rewards Visa Signature® Card reports to multiple credit bureaus.
  • You need good credit to qualify.
  • Charges an annual fee of $49
  • Charges a 3% balance transfer fee

US Bank FlexPerks® Travel Rewards Visa Signature® Card FAQ

Does US Bank FlexPerks® Travel Rewards Visa Signature® Card have a cash back or rewards program?

US Bank FlexPerks® Travel Rewards Visa Signature® Card is a travel rewards card.

US Bank FlexPerks® Travel Rewards Visa Signature® Card Rewards
Minimum rewards rate 1x
Max rewards rate 3x
Annual rewards limit N/A
Signup Bonus (Points/Miles) 25000
Signup Bonus Spend Requirement $2000

Does US Bank FlexPerks® Travel Rewards Visa Signature® Card have a signup bonus?

This card doesn't offer a cash signup bonus. However, it does include a 25000 points signup bonus after spending $2000 that can be redeemed for travel, gifts, or other perks.

Does US Bank FlexPerks® Travel Rewards Visa Signature® Card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the US Bank FlexPerks® Travel Rewards Visa Signature® Card benefits?

It provides the following benefits:

  • Free Credit Score
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Zero fraud liability
  • Travel Accident Insurance
  • Travel Assistance
  • Reports to major credit bureaus

What are the relevant APRs for US Bank FlexPerks® Travel Rewards Visa Signature® 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® Travel Rewards Visa Signature® 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® Travel Rewards Visa Signature® Card have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does US Bank FlexPerks® Travel Rewards Visa Signature® 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® Travel Rewards Visa Signature® Card?

The following fees apply:

  • There is no overlimit fee
US Bank FlexPerks® Travel Rewards Visa Signature® Card Fees
Fees Amount
Annual Fee $49
Overlimit Fee $0
Initial Program Fee $
Foreign Transaction Fee 0%
Returned Payment Fee Starting at $ up to $35
Late Payment Fee Starting at up to $39

This card charges a $49 annual fee.

Does US Bank FlexPerks® Travel Rewards Visa Signature® Card have a foreign transaction fee?

This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.

What is the customer service phone number for US Bank FlexPerks® Travel Rewards Visa Signature® Card?

The US Bank FlexPerks® Travel Rewards Visa Signature® Card customer service number is (800) 872-2657.

What is the support contact email for US Bank FlexPerks® Travel Rewards Visa Signature® Card?

The support contact email for US Bank FlexPerks® Travel Rewards Visa Signature® Card is customer.support@usbank.com.

What is the US Bank FlexPerks® Travel Rewards Visa Signature® Card login page?

You can access the US Bank FlexPerks® Travel Rewards Visa Signature® Card login page here.

How do people rate the customer service and user experience of US Bank FlexPerks® Travel Rewards Visa Signature® Card?

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

Does US Bank FlexPerks® Travel Rewards Visa Signature® Card report your account activity to credit bureaus?

Yes, US Bank FlexPerks® Travel Rewards Visa Signature® 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® Travel Rewards Visa Signature® Card

  • Visit the US Bank FlexPerks® Travel Rewards Visa Signature® 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 $5
Cash Advance Fee (%) 3% - 4%
Minimum Cash Advance Fee ($) $5 - $20
Foreign Currency Transaction Fee 0%
No Foreign Transaction Fee
No Annual Fee First Year
Annual Fee $49
Minimum Interest Charge $2
Over-Limit Fee $0
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 700 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Emergency Support
  • Fraud Liability
  • Free Credit Score
  • Travel Accident Insurance
  • Travel Assistance
Rewards Categories
  • Travel
  • Airfare
  • Internet / Cable / Phone Services
  • Gas
  • Groceries
  • Restaurants
  • Every Purchase
Signup Bonus (points) 25,000
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%
(Verified 08/04/2023)
Balance Transfer APR (Variable APR) 15.74% - 25.74%
(Verified 08/04/2023)
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%
Card Type
  • Rewards
  • Travel
  • Gas
  • Bonus Offers
Card Network Visa

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