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

For People with
Good Credit



The U.S. Bank FlexPerks® Gold American Express® Card is a travel rewards credit card, offering benefits and rewards to justify the annual fee of $85.

You’ll have the chance to get 30,000 introductory bonus FlexPoints (worth $450) if you can spend $2,000 in the first four months of having your card.

This card earns 3X FlexPoints per dollar at restaurants, 2X FlexPoints per dollar at gas stations and airlines, and 1X FlexPoint per dollar everywhere else you use your card.

You can also take advantage of some classy benefits such as the Visa Signature Luxury Hotel Program, a Concierge Service, and an application fee credit for Global Entry or TSA PreCheck.

Card Quick Facts

Card Quick Facts

  • 30,000 introductory bonus FlexPoints for spending $2,000 in the first 4 months of account opening
  • 3X FlexPoints per dollar spent at restauarants
  • 2X FlexPoints per dollar spent at gas stations and airlines
  • 1X FlexPoint per dollar spent on everything else
  • $25 airline allowance with every award travel ticket
  • No blackout dates
  • No redemption fees
  • No foreign transaction fees
  • Free VantageScore credit score from TransUnion
  • $85 annual fee

For People with
Good Credit



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Card Details



  • 3X FlexPoints per dollar spent at Restaurants
  • 2X FlexPoints per dollar spent at:
    • Gas stations
    • Airlines
  • 1X FlexPoint per dollar spent on everything else

Introductory Bonus

  • 30,000 bonus FlexPoints for spending $2,000 in the first 4 months of account opening
Card Stats

Card Stats

Annual Fee $85
Additional Cards Annual Fee -
Regular Purchase APR 16.24%–26.24% Variable
Intro Purchase APR -
Foreign Transaction Fee None
Chip Technology Chip-and-Signature
Minimum Credit Limit -
Maximum Credit Limit -
Free Credit Score Yes
Penalty APR None
Late Fee Up to $39
Returned Payment Fee Up to $35
Balance Transfers

Balance Transfers

Intro Balance Transfer APR -
Regular Balance Transfer APR 16.24%–26.24% Variable
Balance Transfer Fee 3%, $5 minimum
Cash Advances

Cash Advances

Cash Advance APR 26.24% Variable
Cash Advance Fee 4%, $10 minimum

Card Benefits

Check your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.

  • Application Fee Credit for Global Entry or TSA PreCheck

    Get a statement credit for the application fee of either Global Entry ($100) or TSA PreCheck ($85), once every four years.

  • Concierge Services

    Personalized assistance with booking travel or making dining reservations, gift arrangements, business services, and more.

  • Luxury Hotel Program

    VIP perks at eligible hotels around the world, including a $25 food and beverage credit and room upgrades when available.

  • $25 Airline Allowance

    Get up to $25 toward baggage and other fees, for each redeemed round-trip airline award travel ticket.

  • Global Dining Program

    Complimentary benefits and savings at restaurants around the world when you book and pay with your card.

  • Car Rental Discounts

    Special offers and rates at National Car Rental, Enterprise Rent-A-Car, and Alamo Rent A Car.

  • Andrew Harper Travel Club

    A complimentary membership to the Andrew Harper Travel Club.

  • Free VantageScore Credit Score

    Check your VantageScore for free anytime, based on your TransUnion credit report.

  • CONNECT from American Express

    Special travel savings, offers, entertainment access and more.

  • Complimentary Boingo WiFi Membership

    Boingo WiFi has over one million WiFi hotspots worldwide.

  • Entertainment Access

    Get exclusive access to Broadway shows, sporting events, and concerts in big cities.

  • Zero Fraud Liability

    You won’t be held responsible for unauthorized account activity (contact customer support immediately if you suspect fraud).

  • Fraud Protection

    Fraud monitoring tools help protect against unauthorized activity.

  • Identity Theft Expense Reimbursement

    If you experience identity theft, you may be able to get reimbursed for expenses you incurred towards getting your identity back.

  • Extended Warranty Protection

    Eligible manufacturer’s warranties of three years or less can be doubled by up to one additional year.

  • Retail Protection

    Eligible purchases are covered against theft or damage for the first 90 days from date of purchase.

  • Travel and Emergency Assistance Services

    Call for help if you have an emergency while traveling, including help finding medical, legal, and travel services.

  • Travel Accident Insurance

    Provides coverage against accidental death and dismemberment when traveling by common carrier.

  • Car Rental Loss & Damage Insurance

    Coverage against damage and theft of eligible rented vehicles when you decline the rental company’s own insurance.

  • Lost Luggage Reimbursement

    If a common carrier loses your luggage or it’s stolen, this benefit provides reimbursement for eligible checked and carry-on bags and their contents.

  • Roadside Dispatch

    Call 1-800-847-2869 if you need help while on the road, like a tow, locksmith, or tire change. Third party service fees apply.

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