US Bank FlexPerks® Travel Rewards Visa Signature® Card Review

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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 a rewards rate of 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.
• $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.

US Bank FlexPerks® Travel Rewards Visa Signature® Card Pros and Cons:

The Good

The Bad

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. Travel assistance insurance No foreign transaction fee. Cardholders can earn rewards on every purchase. 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.

Requires good to excellent credit. Charges an annual fee of $49 Charges a 3% balance transfer fee.

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

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% .

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 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.