US Bank FlexPerks® Travel Rewards Visa Signature® Card

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

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% .

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 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.