Last updated: 5/14/2021

U.S. Bank FlexPerks Gold

Earns: U.S. Bank Altitude Points

GigaTake:

Of the big mid-tier credit cards, this one offers some good bonus categories and perks. FlexPerks are fixed value which also makes redemption simpler. A good choice for many people.

Here’s how much you would earn with this card

(Based on spending from {{earliestTransactionDate | date}} through {{latestTransactionDate | date}})

You could earn Worth Plus Welcome Bonus Total
{{totalPointsYouCouldEarn | number}} U.S. Bank Altitude Points
per year
${{totalPointsYouCouldEarnValue | number}} {{welcomeBonus | number}} points
worth ${{welcomeBonusValue | number}}
${{totalValueToUser | number}}

How’d we figure that out?

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${{annualFeeAmount | number}}Annual Fee

${{basePointsAmount | number}} All Other ({{card.card.earning_rate}}%x) All Spending ({{card.card.earning_rate}}%x)

${{merchantBonusAmount | number}}{{ merchantsBonusLabels | commaSeparate }} ({{merchantsBonusAmounts[0].multiplier}}%x)

${{categoryBonusAmount.bonus | number}}{{categoryBonusAmount.category }} ({{categoryBonusAmount.multiplier}}%x)

${{categoryDiscount.discount | number}}{{categoryDiscount.category}} Credit

${{merchantCreditAmount | number}}Merchant Discounts

${{welcomeBonusAmount | number}}Welcome Bonus


Annual Fee${{annualFeeAmount | number}}

All Other ({{card.card.earning_rate}}%x) All Spending ({{card.card.earning_rate}}%x) ${{basePointsAmount | number}}

Merchant Bonus ({{merchantsBonusAmounts[0].multiplier}}%x)${{merchantBonusAmount | number}}

{{categoryBonusAmount.category }} ({{categoryBonusAmount.multiplier}}%x)${{categoryBonusAmount.bonus | number}}

Welcome Bonus${{welcomeBonusAmount | number}}

Pros

  • Strong earnings for dining, gas, and airlines—3 points per dollar spent.
  • Some minor travel perks: free Boingo Wi-Fi and an airline credit.

Cons

  • $85 annual fee.

See how the U.S. Bank FlexPerks Gold compares to other credit cards

U.S. Bank FlexPerks Gold Other Cards


Hover the dots to view other Credit Cards

Reward Rate = 3x

Value = 1.5 cents per point
Effective Value = 4.5 %

0%
7%

Reward Rate = 2x

Value = 1.5 cents per point
Effective Value = 3 %

0%
6%

Reward Rate = 2x

Value = 1.5 cents per point
Effective Value = 3 %

0%
9%

Reward Rate = 1x

Value = 1.5 cents per point
Effective Value = 1.5 %

0%
3%

Welcome Bonus = 30,000

Value = 1.5 cents per point
Effective Value = $450

$0
$1800

Annual Fee = $85

$0
$995
Welcome Bonus
30,000

OK

Bonus Rating

Points

After you spend $2,000 in 4 months

GigaInfo about Welcome Bonuses Welcome Bonuses 101 Article
Spending Rewards
3x Dining

Excellent

excellent

Excellent

In the top 15% of cards.

2x Gas

Excellent

excellent

Excellent

In the top 15% of cards.

2x Airlines

Excellent

excellent

Excellent

In the top 15% of cards.

1x All Other

Good

good

Good

In the top 50% of cards.

Is this card right for me?

That depends on your individual spending patterns. We have a tool that figures it out for you. Learn what you could earn.

Program Name
U.S. Bank Altitude Points
Gigapoints Value
1.5¢ per point
0.4¢ PER POINT
2¢+ PER POINT
Annual Fee
  • $85
Use this card for…

You can earn more rewards by using different cards for different purchases. We built a tool that tells you which card to use, when. Just plug in your favorite brand, store, or category to find out which card pays the most.

Use the Best Card For tool Go

Additional perks of owning this card

Complimentary Boingo Wi-Fi

Complimentary Boingo Wi-Fi

TSA PreCheck or Global Entry

Automatic statement credit reimbursement for whichever program you apply for first.6 Upon approval, enjoy expedited travel screening at participating airports.

$25 Airline Allowance

Offers reimbursement for up to $25 per round-trip air travel award ticket toward baggage fees or in-flight food and drinks.

The Fine Print

PURCHASES APR 14.49% to 24.49%
BALANCE TRANSFER APR 14.49% to 24.49%
BALANCE TRANSFER FEE Either 3% of the amount of each transfer or $5 minimum, whichever is greater.
CASH ADVANCE APR 24.49%
CASH ADVANCE FEE Either 4% of the amount of each advance or $10 minimum, whichever is greater.
LATE PAYMENTS Up to $39
FOREIGN TRANSACTION FEE 0%