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US Bank FlexPerks Travel Rewards Visa Signature® Card

in Personal Credit Cards

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US Bank FlexPerks Travel Rewards Visa Signature® Card

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in Personal Credit Cards

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Overview

Who is this credit card designed for?

US Bank FlexPerks Travel Rewards Visa Signature® Card is a credit card issued by US Bank, which is based in Minneapolis, MN. 

US Bank FlexPerks Travel Rewards Visa Signature® Card is designed for people with a credit score of 700 to 850. This card charges an annual fee but the fee is waived the first years. This makes a good fit for people who are willing to pay an annual fee for a card with the right benefits but want to test it before agreeing to pay a fee. A rewards program is included that allows you to convert your purchases into travel, gifts, or other perks. US Bank is one of the few credit card issuers that allows applicants to include a cosigner, which improves the approval chances of people with not-so-great credit.

What are the relevant APRs?

US Bank FlexPerks Travel Rewards Visa Signature® Card has a variable purchase APR that ranges from 15.49% up to 25.49%.

The card has a variable balance transfer APR that ranges from 15.49% up to 25.49%.

It also has a variable cash advance APR starting at 25.49%.

Is an introductory APR offer available?

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

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

What are the fees?

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

  • An annual fee of $49. Make sure the rewards and benefits of this card justify the cost of the annual fee.
  • A late payment penalty of $38.
  • A returned payment fee of $35.
  • There is no overlimit fee
  • There are no foreign transaction fees.

Is a rewards program offered?

US Bank FlexPerks Travel Rewards Visa Signature® Card offers a rewards program to its customers. This card features rewards for purchases in the following categories:

  • Airfare
  • Internet, Cable, Phone
  • Every Purchase
  • Gas
  • Groceries
  • Restaurants
  • Trains, Cruises, Other Travel

Is a signup bonus offered?

US Bank FlexPerks Travel Rewards Visa Signature® Card doesn't offer a cash signup bonus. However, it does include a 20000 points signup bonus after spending $2000 that can be redeemed for travel, gifts, or other perks.

Is an annual loyalty bonus offered?

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

What additional benefits are offered?

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

  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Travel Assistance
  • Reports to major credit bureaus

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 and on-time payments on a credit card that reports your account activity to credit bureaus will demonstrate that you consistently manage debt well and can help increase your credit scores.

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

Available in 50 States and Washington, DC
  • 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

Grace Period
24
Over-Limit Fee
$0
Foreign Currency Transaction Fee
0%
No Annual Fee First Year
No Foreign Transaction Fee
Late Payment Penalty
$38
Returned Payment Fee
$35
Minimum Interest Charge
$2
Annual Fee
$49
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range
700 - 850
850 300 700
Minimum Age
18
Co-signing Allowed
Customer Type
Personal
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • ID Theft Protection
  • Travel Assistance
Travel Insurance
Bonus Rewards
2X FlexPoints at most cell phone service providers, 3X FlexPoints for qualifying charitable donations
Rewards Categories
  • Airfare
  • Every Purchase
  • Gas
  • Groceries
  • Internet / Cable / Phone
  • Restaurants
  • Trains, Cruises, Other Travel
Every Purchase
1 point/mile for every $1
Signup Bonus (points)
20,000
Cash Advance APR
(Variable APR)
Starting at
25.49%
Purchases APR
(Variable APR)
15.49% - 25.49%
0% 29%
Balance Computation
average daily balance (including new purchases)
Balance Transfer APR
(Variable APR)
15.49% - 25.49%
8% 29%
Transfer Fee
3%
Transfer Fee Minimum
$5
Transfer Fee
3%

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