[ad_1]
At a glance: If you’re looking for a credit card that offers a wide range of rewards and benefits, the U.S. Bank FlexPerks Gold American Express Card is an excellent choice to consider. With this card, you can earn rewards on purchases that can be redeemed for travel, merchandise and cash back.
In this post:
- The benefits
- What to consider before signing
- Alternative cards
- Our takeaways
The U.S. Bank FlexPerks Gold American Express Card is a rewards credit card that lets you accumulate points and redeem them for a variety of perks. Options for redemption include travel, such as hotel stays and airfare, products and cash back. You’ll need good to excellent credit to get approved for this card, which provides the highest level of points for hotel and car rental purchases when booked through the FlexPerks Rewards Center.
The Benefits of the U.S. Bank FlexPerks Gold American Express Card
This credit card comes with a number of benefits. First, for a rewards card with decent benefits, it has a fairly low annual fee of $85. Depending on your creditworthiness, the variable APR is 18.99% to 28.99%, and you’ll never pay foreign transaction fees—something that’s important for international travelers.
You earn points when spending with the U.S. Bank FlexPerks Gold American Express in the following ways:
In addition to points, you get a lot of perks you might expect from a travel rewards credit card. Those include:
What to Consider Before Signing Up for the U.S. Bank FlexPerks Gold American Express Card
Before applying for a credit card, you should always consider whether you have the credit score to get approved. Review the fine print, including annual fees, interest rates and other fees, to ensure you can afford to hold the card. Finally, consider whether the perks and rewards structure will work well for your lifestyle.
For example, if you aren’t someone who stays in hotels or travels a lot, this card may not be the right fit for you. You might get a better deal by applying for a cashback credit card. However, if you do travel a lot and don’t have a preferred hotel chain or airline, the FlexPerks card can provide the flexible rewards system that’s right for you.
Alternatives to the U.S. Bank FlexPerks Gold American Express Card
Not sure if this is the right card for you? Check out some other options below.
U.S. Bank Triple Cash Rewards Visa Business Card
- APR/Rates:
- Regular APR: 18.27%-27.49%
- Intro APR: 0% introductory APR on purchases and balance transfers for the first 15 billing cycles
- Fees
- Annual fees: none
- Balance transfer and convenience check cash advance fees: 3% or $5
- Other cash advance fees: 5% or $10
- Late and returned payment and over limit fees: up to $40
- Rewards: 1% to 3% cash back
- Bonus Rewards: N/A
Best for: Small Business
U.S. Bank Altitude Connect Visa Signature Card
- APR/Rates:
- Regular APR: 20.49%-28.49%
- Intro APR: N/A
- Fees
- Annual fees: $95 after the first year
- Balance transfer and convenience check cash advance fees: 3% or $5
- Other cash advance fees: 5% or $10
- Late and returned payment fees: up to $41
- Rewards: 2x to 5x points
- Bonus Rewards: 50,000 bonus points after spending $2,000 in the first 120 days
Best for: Travel Rewards
U.S. Bank Business Leverage Visa Signature Card
- APR/Rates
- Regular APR: 20.49%-25.49%
- Intro APR: N/A
- Fees
- Annual fees: $95 after the first year
- Balance transfer fees: 3%-5% or $5
- Convenience check cash advance fees: 5% or $5
- Other cash advance fees: 5% or $10
- Late and returned payment fees: $39
- Rewards: 1% to 2% cash back
- Bonus Rewards: $750 bonus rewards when you spend $7,500 in the first 120 days
Best for: Small Business
U.S. Bank Cash+ Visa Signature Card
- APR/Rates
- Regular APR: 18.99%-28.99%
- Intro APR: 0% introductory APR on purchases and balance transfers for first 15 billing cycles
- Fees
- Annual fees: none
- Balance transfer and check cash advance fees: 3% or $5
- Other cash advance fees: 5% or $10
- Late and returned payment fees: up to $41
- Rewards: 2% to 5% cash back
- Bonus Rewards: $200 rewards bonus when you spend $1,000 in the first 120 days
Best for: Cash Back
U.S. Bank Altitude Go Card
- APR/Rates
- Regular APR: 19.49%-28.49%
- Intro APR: 0% introductory APR on purchases and balances transfers for 12 billing cycles
- Fees
- Annual fees: none
- Balance transfer and check cash advance fees: 3% or $5
- Other cash advance fees: 5% or $10
- Late and returned payment fees: up to $41
- Rewards: 1x to 4x points redeemable as cash back
- Bonus Rewards: 20,000 bonus points after spending $1,000 the first 90 days
Best for: Cash Back
U.S. Bank Business Platinum Card
- APR/Rates
- Regular APR: 16.49%-25.49%
- Intro APR: 0% introductory APR on purchases and balance transfers for the first 18 billing cycles
- Fees
- Annual fees: none
- Balance transfer and check cash advance fees: 3% or $5
- Other cash advance fees: 5% or $10
- Foreign transaction fees: 3%
- Late payment fees: $19-$39
- Returned payment fees: $35
- Over limit fee: $39
- Rewards: N/A
- Bonus Rewards: N/A
Best for: Small Business
U.S. Bank Visa Platinum Card
- APR/Rates
- Regular APR: 18.99%-28.99%
- Intro APR: 0% introductory APR on purchases and balance transfers for the first 18 billing cycles
- Fees
- Annual fees: None
- Balance transfer and check cash advance fees: 3% or $5
- Other cash advance fees: 5% or $10
- Foreign transaction fees: 3%
- Late and returned payment fees: up to $41
- Rewards: N/A
- Bonus Rewards: N/A
Best for: Balance Transfer
U.S. Bank Altitude Reserve Visa Infinite Credit Card
- APR/Rates
- Regular APR: 21.49%-28.49%
- Intro APR: N/A
- Fees
- Annual fee: $400
- Balance transfer and check cash advance fees: 3% or $5
- Other cash advance fees: 5% or $10
- Late and returned payment fees: up to $41
- Rewards: 1x to 5x points
- Bonus Rewards: 50,000 bonus points after spending $4,500 in the first 90 days
Best for: Travel Rewards
Our Takeaways
The U.S. Bank FlexPerks Gold American Express Card may be a good option for individuals looking for a flexible travel rewards credit card. Whenever you’re applying for any card, you should consider details such as rewards, fees and other benefits of the card. Choose a card with benefits that work for you and fees that fit within your budget to ensure the best fit.
The post U.S. Bank FlexPerks Gold American Express Card: What You Should Know appeared first on Credit.com.
[ad_2]