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US Bank Flex Perks

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US Bank

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Reconsideration Phone
800.374.7979

Breaking Points

Bonus Points Minimum Spend Point Value Annual Value Annual Fee 1st Year Value
75,000 $7,500 1.2 ¢ $0 $0 $990
Best Value Differentiating Perks Rules
US Bank Travel Portal 2x back on unique spend categories not offered by other cards. No CR , 5/24 , Citi 6/6
Card Type: Business, Cash

Spend Categories

All Other = »

1X points
1.2¢ Per Dollar Spent

Software and Hardware + »

2X points
2.4¢ Per Dollar Spent

Department Stores + »

2X points
2.4¢ Per Dollar Spent

Entertainment and Streaming = »

2X points
2.4¢ Per Dollar Spent

Grocery Stores - »

2X points
2.4¢ Per Dollar Spent

Office Supplies = »

2X points
2.4¢ Per Dollar Spent

Online Advertising = »

2X points
2.4¢ Per Dollar Spent

Shipping - »

2X points
2.4¢ Per Dollar Spent

Cell Phone Carriers - »

2X points
2.4¢ Per Dollar Spent

Wholesale Clubs - »

2X points
2.4¢ Per Dollar Spent

Drug Stores + »

2X points
2.4¢ Per Dollar Spent

Internet and Cable = »

2X points
2.4¢ Per Dollar Spent

Fitness Memberships = »

2X points
2.4¢ Per Dollar Spent

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

The special offer of 75,00 points is relatively new. You have 4 months to spend the hefty $7500 minimum. You need to be a US bank member to be approved in all likelihood.

Beyond that, the big draw is the 2x bonus points earned in the top 2 categories in which you spend the most. The unique thing about this card is that the bank determines what your money was spent on -- then automatically determines your top 2 spending categories out of their list of 48 different categories. That means you can just spend away on whatever you need for your business, and the card will work behind the scenes making sure that you're getting the absolute most points.

What could make this card attractive on a niche basis are the unique categories that no other card offers, such as Healthcare providers, Insurance Providers, Membership Organizations, Wholesale Goods, etc. 2x cash back on a major supplier could be worth an extra $1,000 cash-back. You can view the categories here.

Bottom Line

This card was designed with two major concepts in mind. One, the automatic rewards category. And two, flexible cash back or points. If you're a business owner and a big spender in a unique category, this card might have some appeal to you. The 48 different categories include everything from insurance providers to uniforms to healthcare. The points can be pooled to the Central Bill account, and then redeemed for gift cards, travel, cash back and merchandise rewards. If you are a business and have an account with US bank, this card is worth a good long look with the 75,000 point bonus.

Application Rules

This business card will not show on your personal credit report, so it won't count against your 5/24 status

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.

Breaking Points

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