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

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Our rating
Credit range: Good
Annual Fee: $85
Regular APR: 15.99%–25.99% Variable

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

Our rating
Good Credit range
$85 Annual Fee
Apply Now

Highlights & Features


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


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

Balance Transfers

A balance transfer is a way to move credit card debt from one credit card to another with the goal of saving money on interest.

Intro Balance Transfer APR None
Regular Balance Transfer APR 15.99%–25.99% Variable
Balance Transfer Fee 3%, $5 minimum


Penalty APR None
Late Fee Up to $39
Returned Payment Fee Up to $35
Additional Cards Annual Fee None
Foreign Transaction Fee None

Cash Advances

Borrowing cash on your credit card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

  • Cash Advance APR: 25.99% Variable
  • Cash Advance Fee: 4%, $10 minimum

U.S. Bank

U.S. Bank has several card types depending on your needs.

Manage your Account & Pay your Bill

You can usually pay your bill online on your

Credit card issuer's website

Speak to Customer Service

1-800-872-2657 or

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


  • 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

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.