Credit card

U.S. Bank FlexPerks® Gold American Express® Card

Points

AMEX

Apply for U.S. Bank FlexPerks® Gold American Express® Card

On U.S. Bank's secure site

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Credit card U.S. Bank American Express

Card review

U.S. Bank FlexPerks® Gold American Express® Card

4.7 9.4/10 DebitCue Score Verified Jun 20, 2026

Earn FlexPoints on dining and travel — with Amex-exclusive perks

Fee: $85 USD/yr
Purchase APR: Not published
Interest-free: -
Foreign fee: None

Rewards

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.

Welcome offer

Not publicly disclosed as of June 2026

Our verdict

What stands out, and where it falls short.

What we like

5X FlexPoints on prepaid hotels and car rentals booked…
Welcome bonus
No foreign transaction fees
Pay in installments

Worth weighing

$85 USD/yr card fee

Who It Is For

Whether the U.S. Bank FlexPerks® Gold American Express® Card fits how you actually spend.

Pick it if you are

Frequent travelers
People who want rewards on their spending
People who pay big purchases off over time

Skip it if you are

Light spenders who won't beat the $85 USD/yr fee

Rates and fees

As of June 20, 2026

All amounts shown in USD.

Card fee: $85 USD/yr
Purchase APR: Not published
Interest-free period: -
Foreign transaction fee: None
Annual Fee: $85
Cash Advance APR: 29.99%

Rewards and features

Rewards: 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.
Welcome offer: Not publicly disclosed as of June 2026
Installments: U.S. Bank ExtendPay® Plans available
Pay with: Apple Pay, Contactless, Virtual card
Network: American Express — fewer international merchants accept Amex vs. Visa/Mastercard

Benefits and perks

Extras that come bundled with the card.

TSA PreCheck / Global Entry credit

Automatic statement credit for TSA PreCheck or Global Entry application fee reimbursement
No foreign transaction fees

0% foreign transaction fee on all international purchases
Amex Resy dining program

#AmexForFoodies: up to 20% off or free appetizer at participating Resy restaurants
Amex Offers

Access to statement credits and rewards through American Express Offers program

Eligibility

What you need before you apply.

Application availability: May have limited availability to new applicants; confirm directly with U.S. Bank

U.S. Bank FlexPerks® Gold American Express® Card: your questions answered

How much does the U.S. Bank FlexPerks® Gold American Express® Card cost?

The U.S. Bank FlexPerks® Gold American Express® Card costs $85 USD/yr.

What rewards does the U.S. Bank FlexPerks® Gold American Express® Card earn?

The U.S. Bank FlexPerks® Gold American Express® Card earns 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..

Does the U.S. Bank FlexPerks® Gold American Express® Card charge foreign transaction fees?

No - the U.S. Bank FlexPerks® Gold American Express® Card has no foreign transaction fees, so it suits spending abroad.

Does the U.S. Bank FlexPerks® Gold American Express® Card have a welcome offer?

Yes - Not publicly disclosed as of June 2026.

Can I pay in installments with the U.S. Bank FlexPerks® Gold American Express® Card?

Yes - U.S. Bank ExtendPay® Plans available.

Is the U.S. Bank FlexPerks® Gold American Express® Card a credit, debit or prepaid card?

The U.S. Bank FlexPerks® Gold American Express® Card is a credit card issued by U.S. Bank on the American Express network.

Does the U.S. Bank FlexPerks® Gold American Express® Card support Apple Pay and Google Pay?

The U.S. Bank FlexPerks® Gold American Express® Card works with Apple Pay.

Where can I get the U.S. Bank FlexPerks® Gold American Express® Card?

The U.S. Bank FlexPerks® Gold American Express® Card is currently offered in United States.

How does DebitCue rate the U.S. Bank FlexPerks® Gold American Express® Card?

DebitCue rates the U.S. Bank FlexPerks® Gold American Express® Card 4.7 out of 5 (9.4/10), scored on the same factors as every card - fees, rewards, perks and ease of use.

How do I apply for the U.S. Bank FlexPerks® Gold American Express® Card?

Use the Apply now button to continue on U.S. Bank's secure site. Comparing and applying through DebitCue is free.