Award System

US Bank Flex Perks

US Bank Flex Perks »

Bank

US Bank

Bank Details »

Reconsideration Phone
844.357.2015

Breaking Points

March 15, 2021
Chase Ultimate Rewards
Mini Points, March 2021
Bonus Points Minimum Spend Point Value Annual Value Annual Fee 1st Year Value
50,000 $4,500 1.2 ¢ $-249 $75 $330
Best Value Differentiating Perks Rules
US Bank Travel Portal $325 Annual Travel Credit & Dining, 1.5 Points Redemption through U.S. Bank Rewards Center portal 5/24 , Citi 6/6
Card Type: Personal, Cash

Spend Categories

All Other - »

1X points
1.2¢ Per Dollar Spent

Hotels = »

5X points
6¢ Per Dollar Spent

Travel + »

3X points
3.6¢ Per Dollar Spent

Digital Wallet + »

3X points
3.6¢ Per Dollar Spent

Card Benefits

Travel Credits »
Get a $325 annual travel + dining credit ,travel purchases include airline tickets, hotels and car rentals and dining purchases include dining-in and take-out.
Lounge Access »
Get 12-month Priority Pass™ Select membership to more than 1,200 VIP lounges worldwide.
TSA Pre Check »
Get up to $100 statement credit for Global Entry, or an $85 fee credit for TSA PreCheck.
No Foreign Transaction Fees »
You will pay no foreign transaction fees when you use your card for purchases made outside the United States.

Point Transfer Options

Transfer To Spouse/Partner Yes

Transfer To Friends Yes

Travel Partner Transfers

Outside Point System US Bank Flex Perks

Transfers Out To
Point Transfer Options
Cash in Cents

1:1 83% value retained

Why You Might Want This Card

For U.S Bank Customers Only

This is a great travel card, but it's exclusive to U.S. Bank Customers. This card was designed for frequent travelers. The sign-on bonus is hefty (50,000 points after spending $4,500 within the first 90 days), the perks are extensive, and the points are easy to accumulate. Let's take a walk through your next trip after you get this card: You use your points to book a flight. You grab a hotel with your special privileges at Relais & Chateaux. In flight, you enjoy lounge access during your layover, and free wi-fi on the plane. When you land, you either use your discounted chauffeured black car service or your special rental rates at Silvercar to enjoy your trip that was meticulously planned out -- thanks to your elevated 24/7 service advisors and concierge. All worry-free because you know you are completely protected with 24/7 fraud monitoring, Emergency Evacuation and Transportation Coverage. All thanks to this little gray gem in your wallet.

Bottom Line

If you are U.S. Bank member, this card is a no brainer. If you aren't, don't bother applying. The annual fee is $400. But that's quickly docked by the $325 statement credit toward travel & dining purchases. You also get $100 toward the application fee for Global Entry or TSA Pre-Check. So if you are one of the lucky ones who already belongs to U.S. Bank, you need this card -- especially thanks to the 3 points per dollar every time you use your mobile wallet and redeeming points at 1.5 cents each through the U.S. Bank Rewards Center portal.

Application Rules

Your application will be declined if 5 new cards are reported on your personal credit report in the past 24 months

You'll be declined if there are 6 or more hard inquiries on your credit report the past 6 months

What to Know Before Canceling

Be sure you have used your Flex Perks or have another card that will support them.

Best for Series

Below is a snapshot of where this card performs best compared to the other cards in our database:

Breaking Points

March 15, 2021
Chase Ultimate Rewards
Mini Points, March 2021
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