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  US Bank FlexPerks® Travel Rewards Visa Signature® Card

Out of Business

US Bank FlexPerks® Travel Rewards Visa Signature® Card

in Personal Credit Cards from US Bank

Out of Business

US Bank FlexPerks® Travel Rewards Visa Signature® Card

in Personal Credit Cards from US Bank

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Highlights
Purchase APR  (Variable APR) 15.74% - 25.74%
Balance Transfer APR  (Variable APR) 15.74% - 25.74%
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 Personal Credit Cards and quickly find the best options for your needs.

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.

Key Takeaways
  • Generous reward rate. You will get a rewards rate of up to 3 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 up to 3% on balance transfers. For example, a balance of $1,000 could cost up to $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. 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 and fraud protection.
  • Good or better credit required. You should probably try with another card if your credit score is below 700.
US Bank FlexPerks® Travel Rewards Visa Signature® Card Pros & Cons
The Good The Bad
  • Lower than average purchase APRs.
  • Annual fee waived during the first year.
  • Multiple credit card perks.
  • 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.
  • Requires good to excellent credit.
  • Charges an annual fee of $49
  • Charges a 3% balance transfer fee.
US Bank FlexPerks® Travel Rewards Visa Signature® Card FAQ

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
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?

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:

  • 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.
US Bank FlexPerks® Travel Rewards Visa Signature® Card Purchase Intro Offer
Description
Introductory Rate N/A
Purchase Intro APR Period (months) N/A

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

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%
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?

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.

Availability

  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 days
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
Late Fee Amount Up to $39
Customer Type Personal
Minimum Age 18
Co-signing Allowed  
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • 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
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Free Credit Score
  • Identity Theft Protection
  • Travel Assistance
  • Travel Accident Insurance
Rewards Categories
  • Every Purchase
  • Travel
  • Restaurants
  • Airfare
  • Groceries
  • Gas
  • Internet / Cable / Phone Services
Signup Bonus (points) 25,000
Cash Advance APR (Variable APR) 25.74%
Balance Computation average daily balance (including new purchases)
Purchase APR (Variable APR) 15.74% - 25.74%
Balance Transfer APR (Variable APR) 15.74% - 25.74%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%
Card Type
  • Rewards
  • Travel
  • Bonus Offers
  • Gas
Card Network Visa

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