Petal® 2 "Cash Back, No Fees" Visa® Credit Card vs U.S. Bank FlexPerks® Gold American Express® Card: fees, rewards and APR compared - DebitCue Skip to content
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Petal® 2 "Cash Back, No Fees" Visa® Credit Card vs U.S. Bank FlexPerks® Gold American Express® Card

Compare Petal® 2 "Cash Back, No Fees" Visa® Credit Card and U.S. Bank FlexPerks® Gold American Express® Card side by side: fees, rewards, APR, and perks.

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Compared side by side

Cells with a check mark are the stronger value in that row. Ties stay unmarked.

Petal® 2 "Cash Back, No Fees" Visa® Credit Card versus U.S. Bank FlexPerks® Gold American Express® Card compared by attribute
Feature Petal® 2 "Cash Back, No Fees" Visa® Credit Card U.S. Bank FlexPerks® Gold American Express® Card
Card fee No fee $85 USD/yr
Purchase APR (from) 28.24% -
Interest-free period 21 days -
Foreign transaction fee 0% 0%
Rewards 1% cash back on all purchases from card activation; escalates to 1.25% after 6 on-time monthly payments and 1.5% after 12 on-time monthly payments. Bonus 2%–10% cash back at select national merchants via Petal Offers (card-linked deals visible in-app). 5X FlexPoints on prepaid hotels and car rentals booked through FlexPerks Rewards Center; 3X FlexPoints on dining, takeout, and restaurant delivery; 2X FlexPoints at airlines, gas stations, and EV charging stations; 1X on all other purchases.
Installments - U.S. Bank ExtendPay® Plans available
No card fee -
No foreign transaction fee
Welcome bonus -
Airport lounge access - -
Travel insurance - -
Apple Pay / Google Pay

Which is right for you

Pick by how you spend

  • Choose the Petal® 2 "Cash Back, No Fees" Visa® Credit Card if its checked rows above line up with how you spend most.
  • Choose the U.S. Bank FlexPerks® Gold American Express® Card if it wins on the features that matter most to you.
  • Still unsure? Read each full review below, then apply on the issuer's secure site.
Full review Petal® 2 "Cash Back, No Fees" Visa® Credit Card Full review U.S. Bank FlexPerks® Gold American Express® Card

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