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

U.S. Bank FlexPerks® Gold American Express® Card — all information about the credit card.

US bank FlexPerks® Gold American Express®
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Our Rating:
3.91 out of 5
scorer
Recommended credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 5x FlexPoints on prepaid hotels and car rentals.
    • 3x FlexPoints on dining, takeout and restaurant delivery.
    • 2x FlexPoints at airlines, gas stations and EV charging stations.
    • 1x FlexPoint on everyday spend.
  • Intro Offer:
    • 30,000x Bonus FlexPoints worth $450 on airfare, hotel stays, car rentals and more. Just spend $2,000 in eligible Purchases on your premium card within the first four months of account opening.
  • Annual Fee:
    $85 annually
  • Purchase Intro APR:
    None
  • Regular APR:
    19.74% - 29.74% Variable
  • Balance Transfer APR:
    19.74% - 29.74% Variable
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We recommend more cards

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

How do you record your expenses?
Enter your monthly spendings on:
5X
Hotels
$
5X
Car rental
$
3X
Dining
$
2X
Flights
$
2X
Gas
$
1X
All other purchases
$
Have you already recieved the US bank intro bonus?
How would you like to redeem points?
Calculate
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All benefits

  • Points
    • 5x On prepaid hotels and car rentals.
    • 3x On dining, takeout and restaurant delivery.
    • 2x At airlines, gas stations and EV charging stations.
    • 1x On everyday spend.
  • Travel
    • TSA PreCheck® or Global Entry®:
    • Enjoy an automatic statement credit reimbursement on the application fee for whichever program you apply for first.

Rate and fee information

  • Purchase Intro APR
    • None
  • Purchase APR
    • 19.74% - 29.74% Variable
  • Intro Balance Transfer APR
    • None
  • Balance Transfers APR
    • 19.74% - 29.74% Variable
  • APR for Cash Advances
    • 29.99% Variable
  • How to Avoid Paying Interest
    • Your due date is 24 – 30 days after the close of each billing cycle. You will not be charged interest on new Purchases if you pay your entire balance, or Plan Adjusted Balance if you have any Fixed Payment Program balance(s), in full by the due date each month.

Fees

  • Annual Fee
    • $85 annually
  • Fees for Balance Transfer
    • Either 3% of the amount of each transfer or $5 minimum, whichever is greater
  • Fees for Cash Advances
    • Either 5% of the amount of each advance or $10 minimum, whichever is greater
  • Return Payment
    • Up to $41
  • Late Payment
    • Up to $41
View all Rates & Fees

Pros & Cons

Pros:
  • No Foreign Transaction Fee
Cons:
  • Annual Fee
  • No Intro APR period

Features

Gold
American Express
Contactless
  • No foreign transaction fees
  • Payment Flexibility
  • Rewards
  • Bonus points
  • Travel
  • Airline
  • Good Credit
  • Excellent Credit

About the issuer

US bank has several card types depending on your needs.
Manage your Account & Pay your Bill
You can usually pay your bill online on your

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US bank FlexPerks® Gold American Express® is an option for those, who need Gold features. With an APR of 19.74% - 29.74% and $85 annual fee this credit card can easily cover your simple everyday demands. For high approval odds you need to have Good to Excellent (670-799) credit score. With US bank FlexPerks® Gold American Express® you will get such features as No foreign transaction fees, Payment Flexibility, Rewards, etc. To make sure about either this credit card is good for you or not compare it with other cards with similar features.

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