Rewards rate: 5X the points on prepaid hotel stays and car rentals booked directly through the Rewards Center, 3X points at restaurants, 2X points at gas stations and airlines and 1 point per dollar spent on everything else.
Welcome offer: 30,000 FlexPoints when you spend $2,000 in the first four months of account opening.
Annual fee: $85
Purchase intro APR: None
Balance transfer intro APR: None
Regular APR: 14.49 to 24.49 percent
When you sign up for this card, you’ll get 30,000 FlexPoints when you spend $2,000 in the first four months after opening the account. These extra points are worth approximately $450 when you spend them on travel. This is a solid offer, and the spending threshold is relatively easy to meet. But to get the most value from the sign-up bonus, you’ll have to put those points toward travel through the FlexPerks Rewards Center, which can be a cumbersome process.
With the U.S. Bank FlexPerks Gold American Express, you’ll earn FlexPoints with every purchase you make.
The U.S. Bank FlexPerks Gold American Express has a revamped suite of bonus categories to help you earn FlexPoints faster. You’ll get 5X points on prepaid hotel stays and car rentals booked directly through the Rewards Center, 3X points per dollar spent at restaurants, 2X points at gas stations and when spending directly with airlines, and 1 point per dollar spent on all other purchases.
Most of the card’s bonus categories focus on travel, so earning points with this card could be a breeze for frequent flyers.
When you go to redeem your FlexPoints, you have a variety of options. You can get cash back (as a statement credit), trade your points in for gift cards, merchandise, prepaid cards (U.S. Bank Rewards Cards), travel or even to cover the cost of your annual fee. All of your redemptions will go through the FlexPerks Rewards Center.