Rating: 4 Stars
Bottom Line:
For Restaurant Fans Who Travel
TABLE OF CONTENTS
Card Details
| Regular APR: | 15.49 – 25.49% (Variable) |
| Intro APR (Purchases): | None |
| Intro APR (Balance transfers): | None |
| Rewards Rate: | Earn 3 FlexPoints at restaurants – whether it’s a highly-rated hot spot on your regular corner cafe Earn 2 FlexPoints at airlines and gas stations Earn 1 FlexPoint for every $1 spent on all other eligible net purchases |
| Credit Needed: | (670 – 850) Good/Excellent |
| Annual Fee: | $85 |
| Card Brand: | American Express |
*See online credit card application for details on the terms and conditions.
Offer Highlights
- Click APPLY NOW to apply online
- Earn 30,000 bonus FlexPoints worth $450 on airfare, hotel stays, car rentals and more. Just spend $2,000 in eligible Net Purchases on your card within the first four months
- Earn 3 FlexPoints at restaurants – whether it’s a highly-rated hot spot on your regular corner cafe
- Earn 2 FlexPoints at airlines and gas stations
- Earn 1 FlexPoint for every $1 spent on all other eligible net purchases
- TSA Precheck or Global Entry: Enjoy an automatic statement credit reimbursement on the application fee for whichever program you apply for first
- Receive a reimbursement for up to $25 per round-trip air travel award ticket toward baggage fees or in-flight food and drinks
- Complimentary Boingo Wi-Fi: Stay connected at over 1 million hotspots worldwide, including select airlines and hotels
Is U.S. Bank Flexperks Gold American Express worth it?
U.S. Bank Flexperks Gold American Express is a great card for people who eat out at restaurants often who travel. Cardholders earn 3 FlexPoints at restaurants and 2 FlexPoints at airlines and gas stations.
The signup bonus of 30,000 FlexPoints after $2,000 in spend in the first four months is worth $450 on airfare, hotel stays, car rentals and more. It also comes with an automatic statement credit for TSA Precheck or Global Entry, whichever you apply for first, that will save you time going through security. Notably, U.S. Bank Flexperks Gold earns just 1 FlexPoint per dollar on groceries.
If you spend a lot on groceries, so much that it is more than airline and gas station purchases, you might consider U.S. Bank FlexPerks Travel Rewards Visa Signature, which earns you 2 points on airlines, gas stations or grocery stores (whichever is greater) and 2 points on most cell phone service providers and qualifying charitable donations. In your case, groceries would earn 2 points per $1, because it is a greater expense than airline and gas stations purchases.
U.S. Bank FlexPerks Travel Rewards Visa Signature has no annual fee the first year and a $49 annual fee starting the second. That said, if you do eat out at restaurants often – so long as you don’t spend a large amount on groceries – U.S. Bank Flexperks Gold American Express is the better option for you.
Pros
- Earn 30,000 bonus FlexPoints worth $450 on airfare, hotel stays, car rentals and more. Just spend $2,000 in eligible Net Purchases on your card within the first four months
- Earn 3 FlexPoints at restaurants – whether it’s a highly-rated hot spot on your regular corner cafe
- Earn 2 FlexPoints at airlines and gas stations
- TSA Precheck or Global Entry: Enjoy an automatic statement credit reimbursement on the application fee for whichever program you apply for first
Cons
- $85 annual fee
Why 4 Stars?
Regular APR
4 Stars
Intro APR
4 Stars
Fees
4 Stars
Perks
5 Stars
Overall
4 Stars
Fees
| Foreign Transaction Fee | None |
| Balance Transfer Fee | Either 3% of the amount of each transfer or $5 minimum, whichever is greater |
| Cash Advance Fee | Either 4% of the amount of each advance or $10 minimum, whichever is greater |
| Penalty APR | None |
Benefits
| $0 Fraud Liability |
| Auto Rental Collision Damage Waiver |
| Extended Warranty Program |
| Lost Luggage Reimbursement |
| Purchase Protection |
| Roadside Assistance |
| Travel Accident Insurance |
| Travel Assistance |
Editorial Note: This content is not provided by the issuer. Any opinion, analyses, reviews, or recommendations expressed on this page are those of the author?s alone, and may not have been reviewed, approved or otherwise endorsed by the issuer.
Credit Cards Research:
Best Credit Cards for 2021
These are the best credit cards for 2021.
Best Credit Cards for Excellent Credit
If you have excellent credit, check out these cards. These are the best cards for excellent credit with travel rewards and cash bonuses.
Best Credit Cards to Pay off Debt
The fastest way to pay off credit card debt is by transferring a balance to a 0% APR credit card. These are the best balance transfer cards on the market.