U.S. Bank FlexPerks® Gold American Express® Card

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  • Spend $2,000 in first 4 months of account opening and earn 30,000 bonus FlexPoints
  • 3X FlexPoints at restaurants
  • 2X FlexPoints at gas stations
  • 2X FlexPoints at airlines
  • 1X FlexPoints per $1 spent on all eligible net purchases
Annual Fee:
$85
Purchase Intro APR:
N/A
Purchase Regular APR:
14.24% - 24.24%*
Variable
Balance Transfer Intro APR:
N/A
Balance Transfer Regular APR:
14.24% - 24.24%*
Variable

Details, Rates & Fees

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* See the online Provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the 'Apply Now' button, you can review the credit card terms and conditions on the provider's website.

Cash Advance Rate 24.24%
Cash Advance Fee 4%, Min: $10
Late Fee Up to $37
Penalty APR N/A
Balance Transfer Fee 3%, Min: $5
Foreign Transaction Fee None
Return Payment Fee Up to $35

Rewards

Sign-Up Bonus

Earn 30,000 points after you spend $2,000 in 4 months.

All Purchases

1 point per dollar

No cap on spending

Gas

2 points per dollar

2X FlexPoints at gas stations

Restaurants

3 points per dollar

3X FlexPoints at restaurants

Airfare

2 points per dollar

2X FlexPoints at airlines


Our Take

The U.S. Bank FlexPerks® Gold American Express® Card offers solid rewards in return for an annual fee.

What to Like

There are a lot of chances to earn rewards with this card. If you spend $2,000 in the first 4 months after opening your account, you’ll earn 30,000 bonus points. You can also earn 3x points at restaurants, 2x points at gas stations and on airlines, and 1x points on all other eligible purchases.

Look Out For

There’s an $85 annual fee. The card also charges a balance transfer fee, and there aren't intro APRs on purchases or balance transfers.

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† Credit Karma looks at how your credit profile compares to other Credit Karma members who were approved for this product. Of course, there's no such thing as a sure thing, but knowing whether your Approval Odds are Very Good, Good, Fair or Poor may help you narrow down your choices.

‡ Average score refers to the arithmetic mean, typical low score to the 5th percentile and typical high score to the 95th percentile of, in each case, available VantageScore 3.0 credit scores provided by TransUnion of Credit Karma members who were approved for this product from June 2016 through November 2016. Average and typical approved scores are provided as guidelines only and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.

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