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  US Bank FlexPerks® Travel Rewards Visa Signature® Card

US Bank FlexPerks® Travel Rewards Visa Signature® Card

in Personal Credit Cards from US Bank

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US Bank FlexPerks® Travel Rewards Visa Signature® Card

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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 700 - 850
Annual Fee $49
Purchase APR  (Variable APR) 15.74% - 25.74%

US Bank FlexPerks® Travel Rewards Visa Signature® Card Review

US Bank FlexPerks® Travel Rewards Visa Signature® Card is a rewards credit card issued by US Bank.  If you're wondering whether US Bank FlexPerks® Travel Rewards Visa Signature® Card is the right card for you, read on. This is everything you need to know to make a good choice.

  • Generous reward rate. You can get a rewards rate of up to 3%.
  • Signup bonus. Offers a signup bonus of 25000 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 of up to 25.74%.
  • Rewards program. This credit card offers rewards on your purchases, but you will have to pay an annual fee of $49 for the privilege.
  • 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.
  • $0 foreign transaction fee. This card does not charge foreign transaction fees, which makes a great credit card to carry with you when traveling abroad.
  • 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.
  • Gas rewards.
  • Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, extended warranty protection on purchases, travel assistance, and fraud protection.
  • Good or better credit required. You should probably try with another card if your credit score is below 700.
The Good The Bad
  • Lower than average purchase APRs.
  • Annual fee waived during the first year.
  • Multiple credit card perks.
  • No foreign transaction fee.
  • Earn rewards on every purchase.
  • US Bank FlexPerks® Travel Rewards Visa Signature® Card reports to multiple credit bureaus.
  • Cardholders can earn rewards on their purchases.
  • Offers auto rental collision damage waiver.
  • Extended warranty on purchases.
  • Free access to your credit score.
  • Travel assistance insurance
  • Requires good to excellent credit.
  • Charges an annual fee of $49.

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

US Bank FlexPerks® Travel Rewards Visa Signature® Card offers a rewards program to its customers.

US Bank FlexPerks® Travel Rewards Visa Signature® Card Rewards
Rewards rate (all purchases) 1%
Max rewards rate 3%
Annual rewards limit N/A
Signup Bonus ($) 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?

US Bank FlexPerks® Travel Rewards Visa Signature® 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?

US Bank FlexPerks® Travel Rewards Visa Signature® Card doesn't offer a cash loyalty bonus.

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

US Bank FlexPerks® Travel Rewards Visa Signature® Card provides the following benefits:

  • Free Credit Score
  • 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® Travel Rewards Visa Signature® 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® Travel Rewards Visa Signature® Card has lower than average purchase 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 introductory APR offer on balance transfers??

No, US Bank FlexPerks® Travel Rewards Visa Signature® Card does not come with an introductory APR offer for balance transfers.

Does US Bank FlexPerks® Travel Rewards Visa Signature® Card have an introductory APR offer on new purchases??

US Bank FlexPerks® Travel Rewards Visa Signature® Card does not offer an introductory rate on new purchases.

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

The following fees apply to US Bank FlexPerks® Travel Rewards Visa Signature® Card:

  • There is no overlimit fee
US Bank FlexPerks® Travel Rewards Visa Signature® Card Fees
Fees Amount
Annual Fee $49
Overlimit Fee $0
Foreign Transaction Fee 0%
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® Travel Rewards Visa Signature® Card have a foreign transaction fee?

US Bank FlexPerks® Travel Rewards Visa Signature® Card does not charge foreign transaction fees. If you are a frequent traveler, this can save you hundreds of dollars in credit card fees when you travel out of the country.

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

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 can help improve your credit score.

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 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) 2X Flexpoints airlines, gas stations or grocery stores, cellular providers, charity. 1X FlexPoint for every $1 spent on all other eligible net purchases
Foreign Currency Transaction Fee 0%
No Foreign Transaction Fee  
No Annual Fee First Year  
Over-Limit Fee $0
No Interest Grace Period for Late Payment 24
Cash Advance Fee Minimum $5
Cash Advance Fee (%) 3% - 4%
Minimum Cash Advance Fee ($) $5 - $20
Annual Fee $49
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
  • Bonus Offers
  • Gas
  • Rewards
  • Travel
Card Network
  • Visa
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Emergency Support  
Travel Insurance  
Fraud Liability  
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Free Credit Score
  • Identity Theft Protection
  • Travel Assistance
Free FICO Score  
Bonus Rewards Earn 25,000 enrollment FlexPoints when spend $2,000 in eligible Net Purchases on your card within the first four months of account opening
Rewards Categories
  • Airfare
  • Every Purchase
  • Gas
  • Groceries
  • Internet / Cable / Phone Services
  • Restaurants
  • Travel
Signup Bonus (points) 25,000
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%

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