Credit Card Reviews
U.S. Bank FlexPerks Gold

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.

Summary For You

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}}

${{totalAmount | number}} =

{{totalAmount | number}} =

–${{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

Rewards

Show Rewards For:

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%

5%

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

$5

$1700

Annual Fee = $85

$0

$695

Welcome Bonus

30,000 Points

After you spend $2,000 in 4 months

GigaInfo about Welcome Bonuses Welcome Bonuses 101 Article

Spending Rewards

3x Dining

2x Gas

2x Airlines

1x All Other

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.

Try the Analyzer now

0.4¢ PER POINT

2¢+ PER POINT

Annual Fee

$85

Are Annual Fees Worth It?

The GigaPoints Guide to Credit Card Annual Fees Article

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

Additional perks of owning this card

Complimentary Boingo Wi-Fi

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

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%