U.S. Bank FlexPerks Gold American Express Card
- Annual fee
- $85
- Recommended credit
- Excellent / Good
- Card network
- American Express
- Regular purchase APR
- 19.74% to 29.74% variable based on creditworthiness and the Prime Rate
At a glance
The U.S. Bank FlexPerks Gold American Express Card is a reliable – and powerful – travel rewards credit card from U.S. Bank. The card earns 3x points on restaurant purchases, 2x points with gas station and airline purchases, and 1x points on all other purchases.
Our review of the U.S. Bank FlexPerks Gold American Express Card
The U.S. Bank FlexPerks Gold American Express Card is a rewards card that excels in every aspect of daily life. This rewards credit card from major American lender U.S. Bank earns an impressive haul of FlexPoints with every purchase.
Who Can Benefit from the FlexPerks Gold Card?
The FlexPerks Gold American Express Card is perfect for occasional travelers who desire a little extra – more relaxation time, more incidentals credits, and more time at the airport gate, rather than airport security. If you value convenience and want to make the most of your travel experiences, the FlexPerks Gold Card is designed with you in mind.
Pre-Qualify Before Applying
US Bank does not offer a pre-qualification portal prior to applying. Instead, the bank sends preapproval offers by mail. These offers will contain specific details and an offer code from where you can apply.
How to Earn Rewards
The FlexPerks Card is designed with the occasional traveler in mind. As such, the FlexPerks Gold American Express earns its greatest rewards on the sorts of everyday purchases people spend heavily on. Cardholders earn the following rewards per $1 spent on purchases:
- Earn 5X FlexPerks points on prepaid hotels and car rentals booked directly in the FlexPerks Rewards Center
- 3X points on dining, takeout, and restaurant delivery purchases
- 2X points on airlines, gas stations and EV charging stations
- 1X points on all other eligible purchases
FlexPerk Points differ from other US Bank reward points in that points expire five years from the end of the calendar quarter in which they were earned.
How to Redeem FlexPerks
Redeeming FlexPerks “FlexPoints” rewards with US Bank is straightforward. Cardholders can claim their rewards as a statement credit, a prepaid card, gift cards, or directly deposited into their US Bank checking or savings account.
Travel Benefits
As a premium American Express card, the FlexPerks Gold Card has many of the same excellent perks you’d expect from other luxurious travel cards. These premium travel benefits include an automatic statement credit for TSA Precheck or Global Entry application fees, access to Amex’s Global Dining Program, and complimentary Boingo Wi-Fi. Cardholders also enjoy no foreign transaction fees when using the card abroad.
US Bank Benefits
The U.S. Bank FlexPerks Gold American Express Card also comes with a selection of benefits courtesy of US Bank. These features include:
- Shipt: Cardholders enjoy three months of free Shipt membership, then nine months of membership at 50% off, with free delivery on orders $35+.
- NortonLifeLock: ID Navigator Powered by NortonLifeLock provides cardholders with access to multiple tools to help keep them safe.
- Online and Mobile Access: Manage your card when you want on your own terms.
American Express Benefits
The U.S. Bank FlexPerks Gold Card also offers important protections and benefits through the American Express payment network. These benefits include:
- Extended Warranty
- Return Protection
- Car Rental Loss & Damage Insurance
- Amex Concierge
- Purchase Protection
- Zero Fraud Liability
- Trip Delay Insurance
- Amex Offers
Comparison
| Card | Rewards | Hotel | Annual Fee |
|---|---|---|---|
| FlexPerks Gold American Express Card | 5X on prepaid hotels and rental cars, 3X at restaurants, 2X at airlines, gas stations and EV charging stations, and 1X on all else | TSA Precheck, Boingo Wi-Fi | $85 |
| American Express Green Card | 3X at Restaurants worldwide, on all eligible travel, and 1X on all other purchases | TSA Precheck, CLEAR, LoungeBuddy | $150 |
| Chase Sapphire Preferred | 5X on travel purchased through Chase Ultimate Rewards, 2X on all other travel purchases, 3X on dining, groceries, streaming services, and 1X on all other purchases | N/A | $95 |
What We Like About the U.S. Bank FlexPerks Gold American Express Card
- TSA PreCheck® or Global Entry® Credit
- Boingo Wi-Fi
Things to Consider
- Annual Fee
- No Welcome Offer
Should You Apply for the U.S. Bank FlexPerks Gold American Express Card?
The FlexPerks Gold American Express Card from U.S. Bank is an excellent travel reward credit card for those who want a bevy of impressive perks without being tied to any particular airline, hotel, or loyalty program. The card earns an impressive amount of points with every purchase, making it a potent tool for both daily commutes and weekend travelers. With travel perks, no foreign transaction fees, and a range of benefits, this rewards card is heavy on rewards and reliability.
Card features
Benefits as listed on the original card page. They can change; confirm details with the issuer.
- 5X FlexPoints on prepaid hotels and rental cars
- 3X FlexPoints at restaurants, 2X FlexPoints at gas stations, 2X FlexPoints at airlines, and 1X FlexPoints per $1 spent on all other eligible Net Purchases
- Enjoy an automatic statement credit reimbursement for TSA Precheck® or Global Entry
- Complimentary Boingo Wi-Fi at over 1 million hotspots worldwide
Who this card may suit
- You travel often, especially on flights
- You dine out – or while traveling – and plan to use your card to cover these purchases
- You want a travel card with no foreign transaction fees
- You dislike waiting in security lines at the airport and want a statement credit for TSA Precheck
Rates, fees and terms
| Annual Fee | $85 |
|---|---|
| Regular Purchase APR | 19.74% to 29.74% variable based on creditworthiness and the Prime Rate |
| Balance Transfer APR | 19.74% to 29.74% variable based on creditworthiness and the Prime Rate |
| Balance Transfer Transaction Fee | Either $5 or 3% of the amount of each transfer, whichever is greater |
| Cash Advance APR | 29.99% variable based on the Prime Rate |
| Cash Advance Transaction Fee | Either $10 or 5% of the amount of each advance, whichever is greater |
| Late Payment Penalty Fee | Up to $41 |
| Return Payment Penalty Fee | Up to $41 |
Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Excellent Credit Good Credit.
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U.S. Bank FlexPerks Gold American Express Card
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