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U.S. Bank FlexPerks Program Review

With select U.S. Bank cards, this flex perks program could provide you with a variety of rewards redemption options.

U.S. Bank FlexPerks is the rewards program for four of U.S. Bank’s credit cards. The U.S. Bank FlexPerks program offers both consumers and businesses good rewards-earning potential and redemption value if you book travel regularly. In addition to redeeming FlexPoints for travel, you can use your FlexPerks rewards for statement credits, cash back, gift cards and merchandise.

U.S. Bank FlexPerks Rewards Cards

U.S. Bank offers four credit cards that offer FlexPerks rewards in the form of FlexPoints with three personal credit cards and one business credit card.

U.S. Bank FlexPerks-earning cards

• U.S. Bank FlexPerks® Gold American Express® Card
• U.S. Bank FlexPerks® Select+ American Express® Card

Best Features

FlexPoints can be redeemed on any FlexPerks card at 1.5 cents per FlexPoint value when booking travel directly through U.S. Bank. This premium redemption option is even available on FlexPerks cards that don't have an annual fee.

While each FlexPerks card earns FlexPoints at different rates, the category bonuses offered on select U.S. Bank FlexPerks cards include everyday purchase categories like gas, grocery stores and cellphone service.

The higher 1.5 cent per FlexPoint value for travel redemptions is a nice benefit, but you must book through U.S. Bank's travel portal. This can limit your redemption options. Additionally, travel is the only redemption option that values FlexPoints above 1 cent a piece. If you don't travel often, you'll be stuck redeeming FlexPoints at the lower 1 cent per point value.

U.S. Bank imposes minimum redemption amounts for statement credits and cash back. Statement credits require a minimum of 2,500 FlexPoints for a $25 statement credit and cash back requires a minimum of 5,000 FlexPoints for $50 cash back. Gift card redemptions also start at 5,000 FlexPoints for a $50 gift card.

Your FlexPoints won't last forever, either. They expire at the end of the calendar quarter that is five years after the date they were earned.

Earning Rewards

U.S. Bank FlexPerks cards earn FlexPoints at different rates:

• U.S. Bank FlexPerks Gold American Express Card: Earn five points per dollar on prepaid hotels and car rental bookings made directly through the FlexPerks Rewards Center, three points per dollar at restaurants, two points per dollar for airline tickets and gas and one point per dollar on all other purchases. You can earn 30,000 bonus points when you spend $2,000 on purchases within the first four months.
• U.S. Bank FlexPerks Select+ American Express Card: Earn one point per dollar spent on all purchases. You can earn 10,000 bonus points when you spend $1,000 on purchases within the first four months.

Rewards Redemption Options

U.S. Bank FlexPerks cardholders can use their points to:

• Book travel such as flights, hotel stays and car rentals
• Purchase merchandise
• Purchase gift cards
• Get a statement credit
• Get cash back
• Purchases at participating retailers

Rewards Redemption Value

The U.S. Bank FlexPerks program's points have different values depending on your redemption option:

• Travel categories such as air travel, hotel stays and car rentals: 1.5 cents per point
• Cash back: 1 cent per point
• Statement credit: 1 cent per point
• Gift cards: 1 cent per point
• Merchandise: varies based on item purchased

In order to redeem FlexPoints for travel categories such as air travel, hotel stays and car rentals, you need to book directly through U.S. Bank to get the higher 1.5 cents per FlexPoint value.

Transferring FlexPoints

U.S. Bank FlexPerk's FlexPoints cannot be transferred to other airline or hotel loyalty programs. However, they can be transferred to another FlexPerks FlexPoints account for free.

U.S. Bank FlexPerks is best for:

• People who travel frequently.
• People who make purchases in a card's bonus points categories.
• Cardholders who can pay off their balance in full each month.

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US Bank FlexPerks Travel Rewards card review

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U.S. Bank is in the midst of revamping its FlexPerks rewards program. And many of the travel credit cards that were part of the program are no longer available to new applicants, including the U.S. Bank FlexPerks® Travel Rewards Visa Signature Card. Rumor has it that U.S. Bank has plans to introduce new cards to replace the ones it’s axed. Hopefully the intro offers can compete with the  travel card bonuses and perks available through programs like Chase Ultimate Rewards and American Express Membership Rewards .

If you currently are a U.S. Bank FlexPerks Travel Rewards cardholder nothing is changing for you. You can continue using the card as normal, which is nice because it is one of the few cards that offers bonus points on charitable contributions, where you can earn 2x FlexPoints per dollar. You can also earn bonus points for purchases with airlines, gas stations, grocery stores and cell phone providers.

Let’s take a look at what else comes with the card and alternative for those who don’t have it.

US Bank FlexPerks Travel Rewards Card review

Current bonus.

This card is not available to new applicants.

Benefits and perks

The U.S. Bank FlexPerks card earns 2x points per dollar in whichever of the following categories you spend the most in during a monthly billing cycle:

• Gas stations
• Grocery stores

Aside from these three bonus categories, this card earns 2x points on spending with cellular service providers and charitable organizations. According to U.S. Bank, purchases with any merchant that classifies itself as a “charitable or social service organization” are eligible for 2x points. Other cards such as The Blue Business® Plus Credit Card from American Express allow you to earn 2x points on all purchases (up to $50,000 in spending per year, then 1x), but this is the only card I know that specifically offers bonus points on purchases with charitable organizations.

Purchases outside of these bonus categories will earn one point per dollar and there is no limit to the number of points you can earn. The U.S. Bank FlexPerks Travel Rewards Card has no foreign transaction fees , so you can earn points anywhere in the world Visa credit cards are accepted without an additional fee.

One nice feature of the card is a $25 reimbursement toward fees for checked bags or inflight food and drink purchases when you redeem your points for airfare through the U.S. Bank Travel Portal. Here’s how the perk works:

• Redeem a minimum of 10,000 FlexPoints per round-trip flight through the U.S. Bank Travel Portal
• Use your U.S. Bank FlexPerks Travel Rewards Card to pay for checked bags or inflight food or beverages
• Call the U.S. Bank phone number printed on the back of your card and request a reimbursement for up to $25 within 90 days of the purchase
• This benefits is not available if you redeem points using U.S. Bank’s Real-Time Rewards, you must redeem online or over the phone

According the U.S. Bank website, you will receive a statement credit within 4-6 weeks of requesting the reimbursement and you are eligible for the statement credit for each round-trip flight booking you make with FlexPoints through the U.S. Bank Travel Portal. That means you can receive a lot of $25 statement credits if you regularly book award travel.

Visa Signature Card perks

As a Visa Signature card, the U.S. Bank FlexPerks Travel Rewards Card comes with the standard Visa Signature benefits:

• Luxury Hotel Collection – Best rate guarantees, automatic upgrades when available, free internet, complimentary breakfast, late check out and more at select hotels
• Visa Signature Concierge – Complimentary 24/7 concierge service that can assist you with booking travel, dining reservations, sports tickets and more
• Purchase security – Covers items purchased with the card from damage or theft for 90 days after purchase (up to $10,000 per purchases and $50,000 per year)
• Warranty management service – When you register your items with this service, Visa will keep the terms of the warranty on file for you and double the length of the manufacturer’s standard warranty period on eligible warranties of three years or less
• Rental car collision damage waiver – Provides reimbursement for damage from collision or theft up to the actual cash value of most rental vehicles (coverage is secondary in your country of residence)
• Travel and emergency assistance services – Complimentary 24/7 service to help you find medical, legal and transportation assistance
• Travel accident insurance –Coverage for you and your family members for certain accidents that occur while traveling

How to redeem points

U.S. Bank FlexPoints are worth one cent per point when used as a statement credit or for gift cards. The most valuable way to use FlexPoints is for airfare, hotels and car rentals booked through the U.S. Bank Travel Portal, where your points are worth 50% more (1.5 cents per point).

The U.S. Bank FlexPerks Rewards card does not allow you to transfer points to airlines or hotels like some other cards, but the 50% bonus for travel booked through the U.S. Bank Travel Portal is a huge perk, especially when the cash cost for airlines or hotels is better than award rates. For example, an MMS contributor stayed at the Manchester Grand Hyatt San Diego . As a Hyatt Category 4 hotel, one night in a standard room costs 15,000 Hyatt points, but the hotel had cash rates for $149 per night. Instead of using up 15,000 valuable Hyatt points , he booked the stay through the travel portal for only 9,934 points ($149 / 1.5 cents per point). This saved him a ton of points and allowed him to keep his Hyatt points for a better deal.

Using your FlexPoints for travel booked through the U.S. Bank Travel Portal is by far the best value, because your points are immediately worth 50% more. But if you don’t have any travel plans, there are a number of other ways to use your points. Through the U.S. Bank website, you can use FlexPoints for purchases with certain major online stores like Apple , Sony , Dell and North Face . You can also redeem FlexPoints for gift cards with many major retailers, including Amazon , Macy’s , Best Buy and Starbucks . When redeeming for purchases online or gift cards, FlexPoints are worth one cent per point. So the 25,000-point enrollment bonus would be worth $250 toward online purchases or gift cards.

Similarly, FlexPoints can be used as cash back or a statement credit. To do this, you simply log in to your U.S. Bank account and redeem points for cash back. U.S. Bank also has a program called Real-Time Mobile Rewards, which allows you to instantly redeem FlexPoints as a statement credit.

Here’s how it works, if you register for the Real Time Mobile Rewards program, you will receive a text message each time you use your eligible card for a purchase. The text will ask if you would like to redeem FlexPoints to offset your purchase as a statement credit. By replying “Redeem,” your FlexPoints will instantly be used toward a statement credit to cover your purchase.

When redeeming for cash back or to offset non-travel purchases through Real Time Mobile Rewards, your FlexPoints are worth one cent per point. In the past Real Time Rewards travel redemptions had a value of 1.5 cents per point, but there are reports that this has been reduced to only one cent per point for travel purchases made with this card. You’ll have to meet a minimum redemption amount for purchases to qualify for Real Time Mobile Rewards. You can adjust this amount online, but you can’t set the minimum amount below $250 for car rentals or $500 for lodging.

According to U.S. Bank, FlexPoints expire five years from the end of the calendar quarter in which they were earned and your account must be open and in good standing to earn and redeem FlexPoints and benefits.

Is the US Bank FlexPerks Travel Rewards card worth it?

The card has a $49 annual fee, which is one of the smaller annual fees you’ll find on a rewards credit card . If you have a lot of FlexPerks points that you redeem for airfare, the cards $25 credit for baggage fees or inflight purchases can make it worth keeping. But if you have an airline credit card that comes with free checked bags it could be a redundant benefit.

The other benefit of the U.S. Bank FlexPerks Travel Rewards Card that stands out is the 2x earning rate on purchases with charitable organizations. While your credit card points probably shouldn’t drive your charitable contributions, this is a great way to earn more points on giving that you were already making. But, there are few situations where this perk alone makes the card a long-term keeper.

Pairing the US Bank FlexPerks Rewards with other cards

This will mainly appeal to people looking for a travel rewards card with a low annual fee. If you don’t mind paying a slightly higher annual fee, there are a number of cards with bigger perks and more earning potential. The Chase Sapphire Preferred® Card has an annual fee of $95, but earns 2x points on travel and 3x points on dining purchases and you can transfer Chase Ultimate Rewards points to a number of airline and hotel partners .

The Chase Sapphire Reserve® has an annual fee of $550, but comes with up to $300 in annual travel credit, earns 3x points on dining and travel (excluding $300 travel credit) and also earns Chase Ultimate Rewards  points that you can transfer to airline and hotel partners.

Or if you want a credit card without annual fees , the Citi® Double Cash Card earns 2% cash back; 1% back when you purchase and another 1% back as you pay. You can’t beat that for your everyday purchases .

The   information for the Citi Double Cash Card has been collected independently by Million Mile Secrets. The card details on this page have not been reviewed or provided by the card issuer.

Bottom line

You can no longer apply for the U.S. Bank FlexPerks Travel Rewards card, but if you currently have the card you can continue using it. Nothing is changing and you’ll still get your $25 credit (for round-trip flights booked with FlexPoints) and will still earn 2x points on purchases with charitable organizations and cellular service providers. You’ll also earn 2x points on your highest spending bonus category (airfare, gas station or grocery store purchases) each month.

Jason Stauffer

Jason Stauffer was a writer for Million Mile Secrets where he covered points, miles, credit cards, airlines, hotels and general travel. His work has appeared in The Points Guy and NextAdvisor.

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U.S. Bank FlexPerks Travel Rewards Visa Signature card review

Written by: Kelly Dilworth

In a Nutshell:

The U.S. Bank FlexPerks Travel Rewards Visa Signature card is a good value for cardholders who want to redeem points for travel purchases, but its other redemption options aren’t nearly as lucrative.  This offer is no longer available on our site.

Other Notable Features: $25 airline fee allowance, no foreign transaction fees, travel accident insurance, emergency assistance, baggage insurance, purchase protection, concierge service, ID theft expense reimbursement, Hideaway travel club, travel and hotel discounts

For just $49 a year, the U.S. Bank FlexPerks Travel Rewards card offers a high redemption value for travel purchases, as well as a modest airline fee credit toward rewards-funded flights and a number of other premium perks. All of this makes it one of our favorite pieces of plastic for budget travelers. It offers some of the most valuable rewards at a lower price than comparable travel cards , but its point value is not as high on cash back redemptions.

Great airfare redemption value

This is a card for aspiring travelers who are focused on using points for flights, hotel stays and car rentals. For a card that costs less than half of what many comparable cards charge, the redemption value on these purchases is very good. When you use points for a flight, hotel stay or car rental, they are worth around 1.5 cents per point – the same value as the pricey Chase Sapphire Reserve . U.S. Bank also doesn’t impose any blackout dates on flights, making the rewards even more valuable for cardholders who value a choice about when they fly.

When you use your points for anything else, however, they are only worth around 1 cent per point. This is still average among rewards cards, but makes it a less valuable option for cardholders who want to choose another redemption.

Competitive sign-up bonus

The U.S. Bank FlexPerks Travel Rewards card offers a generous sign-up bonus that puts a free domestic flight in easy reach for modest spenders, making it a good choice for people who do most of their shopping on just one card. If you spend an average of just $500 a month ($2,000 total) in the card’s first four months, you’ll receive 25,000 bonus points, worth around $375 in airfare.

Good value for the money

The FlexPerks Travel Rewards card also offers a number of premium travel perks that aren’t commonly found on credit cards with such a low annual fee. For example, cardholders who redeem points for air travel are awarded a $25 airline allowance for incidental fees and in-flight purchases. Cardholders are also given VIP event and entertainment access, concierge access and discounts on luxury hotels. One especially nice travel perk is the lack of a foreign transaction fee — you can freely use the card in foreign countries without racking up extra charges.

Bonus points for charitable giving

One of the most unusual features of the U.S. Bank FlexPerks Travel Rewards Visa is its altruistic rewards program. U.S. Bank encourages cardholders to be good Samaritans by granting two bonus points for every dollar spent on charitable donations. The card also offers double bonus points on more routine purchases, such as groceries, gas, dining and cellphone payments.

Why get the U.S. Bank FlexPerks Travel Rewards Visa Signature card?

• You want to earn free airfare but don’t want to pay a high annual fee.
• You regularly use your credit card to pay for groceries, gas and cellphone expenses.
• You spend enough money each month to claim the card’s generous sign-up bonus.
• You don’t mind spending a little time looking for a flight that maximizes your rewards spending.

How to use the U.S. Bank FlexPerks Travel Rewards Visa Signature card:

• Save your points and only redeem them for travel purchases. You’ll get less value from your spending if you redeem your points for other options, such as a statement credit.
• Use your card aggressively for the first four months so you can cash in on a free domestic flight.

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Card Features & Benefits

Discover the many ways your U.S. Bank FlexPerks® American Express® Card has your back. 

See all that your Card has to offer you. 

Need help? Get in touch by calling the number on the back of your Card. 

See all the ways you can reward yourself by redeeming your FlexPoints.

Amex Offers

Amex Offers rewards you at places you like to shop, dine, travel, and more. To enroll, simply add offers to your U.S. Bank FlexPerks American Express card. Then use that same Card to pay and watch the rewards roll in.

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U.S. Bank FlexPerks® Select+ American Express® Card

U.s. bank flexperks® travel rewards american express® card, u.s. bank flexperks® reserve american express® card, u.s. bank flexperks® gold american express® card.

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U.S. Bank FlexPoints: For Rewards Travel with Family

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If you don’t like the hassle of dealing with complicated loyalty programs, U.S. Bank’s versatile FlexPoints will be a breath of fresh air. These easy-to-redeem rewards make it a little easier to get an excellent value, even when flying economy with a family in tow. Here’s what you should consider before applying for a U.S. Bank FlexPerks card.

U.S. Bank FlexPoints: The basics

Through U.S. Bank's online marketplace, you can use FlexPoints to book flights on more than 150 airlines with no blackout dates or redeem rewards for hotel stays and merchandise.

As is the case with many rewards currencies, the value of U.S. Bank FlexPoints depends on how they’re redeemed. At best, you can get up to 2 cents of value from each point when you cash them in for plane tickets. On the lower end, purchasing inexpensive merchandise with points may yield less than 1 cent per point. You can't transfer points to loyalty programs, and generally, you won't get more than 2 cents of value per point.

Unlike some loyalty programs, U.S. Bank lets you book airline tickets under any individual's name, as long as the cardholder is making the reservation. This can make family travel a little easier – and more affordable.

Cards that earn FlexPoints

If you want to earn more U.S. Bank FlexPoints, your best bet is applying for one of the credit cards below and getting a sign-up bonus. Keep in mind that U.S. Bank doesn't sell points and you can't earn points without a card.

U.S. Bank FlexPerks® Select+ American Express® Card

Earn 10,000 bonus FlexPoints after you spend $1,000 in Net Purchases within the first four months of account opening.

Earn 1 FlexPoint per every $2 spent on all eligible purchases.

Earn 1.5 FlexPoints per dollar spent on charitable donations to select charities.

U.S. Bank FlexPerks® Travel Rewards® Card

Earn 25,000 enrollment FlexPoints worth $375 on airfare, hotel stays, car rentals and more. Just spend $2,000 in eligible Net Purchases on your card within the first four months of account opening.

Earn 3 FlexPoints per dollar spent on charitable donations to select charities.

Earn 2 FlexPoints per dollar spent on gas, groceries or airfare – whichever you spend the most on each monthly billing cycle.

Earn 2 FlexPoints per dollar spent on most cellphone expenses.

Earn 1 FlexPoint per dollar spent on all other eligible purchases.

U.S. Bank FlexPerks Select+ American Express Card

Earn 1 FlexPoint per $1 spent on all eligible purchases.

U.S. Bank FlexPerks Travel Rewards American Express Card

Earn 2 FlexPoints per dollar spent on restaurants, fast food and most cellphone expenses.

U.S. Bank FlexPerks Business Edge Travel Rewards Card

How to redeem FlexPoints

U.S. Bank offers lots of opportunities for redemption, but some are more generous than others. Here are the ones that offer the best – and worst – values:

Good redemption options

Airline tickets purchased with points can offer high value, depending on their list price. That's because rather than offering fixed-rate redemptions for air travel, U.S. Bank assigns a certain points cost to each airline ticket price range. For instance, if a plane ticket costs between $400 and $600, you'll need 30,000 points to purchase it with rewards.

That’s great news if your ticket were worth $599; you’d get a redemption value of about 2 cents per point, which is outstanding by industry standards. But if your ticket’s worth $401, you’d just get a value of about 1.3 cents and miss out on a lot of value.

U.S. Bank also assigns a certain points cost to hotel stays in each price range. Whether you wanted a $151 room or a $299 room, for instance, it would still cost you 20,000 points. If you veer toward the higher prices within the range, you’d be able to squeeze about 1.5 cents of value from each point. The lower-priced options, though, would offer much less value. If you bundle airfare and hotels, you'll also get a maximum of 1.5 cents out of each point.

Check out U.S. Bank’s airfare chart to make sure you’re getting the most for your money. The other travel cost redemption charts aren't currently available unless you sign in to your U.S. Bank account, but they're included in the methodology section for reference. U.S. Bank’s travel site is powered by the air and hotel rate aggregator Travelocity , so you can cross-check the prices and make sure you’re getting a good deal.

Bad redemption options

If you manage to find a cheap plane ticket – say, one that costs $100 – you’d probably be better off just paying with cash or credit. Generally, you can’t get a plane ticket though U.S. Bank for less than 20,000 points each. So if you were to cash in points for that particular purchase, you’d likely get a meager value of 0.5 cents per point, sinking the original value.

The same goes for hotels, merchandise, gift certificates and statement credit redemptions. If you’re staying at a hotel that only charges you $75, you’d only be getting a value of about 0.38 cents a point. Redeeming rewards for statement credits or gift certificates yields 1 cent per point, and using points for merchandise gives you slightly less value.

The takeaway is simple: Save your rewards for more expensive travel costs.

FlexPoints expire five years from the date they’re earned.

Your FlexPoints will automatically be redeemed in the order they were earned.

If your account isn’t it good standing, you may not be able to redeem your points.

If your account is closed, your points will be forfeited.

Top cards that earn FlexPoints

The U.S. Bank FlexPerks® Select+ American Express® Card has a sign-up bonus that's easy to qualify for: Earn 10,000 bonus FlexPoints after you spend $1,000 in Net Purchases within the first four months of account opening. That's worth $200, assuming you can get 2 cents of value out of each point.

The $0 , making it a relatively low-maintenance card – but it's not the best card to earn a lot of rewards with. You'll only get 1.5 FlexPoints per dollar spent on charitable donations and 1 FlexPoint per $2 spent on other eligible purchases. Assuming you didn't make charitable donations with your card and already used your sign-up bonus, you'd have to put $40,000 on this card before you could purchase an airline ticket with rewards. This might make it impossible for some frugal spenders to make the most of their points before they expire.

Unlike the U.S. Bank FlexPerks® Travel Rewards® Card , though, you won't need excellent credit to qualify for this offer. If you want a relatively straight-forward rewards card and have good (but not excellent) credit, this may be a decent fit.

The U.S. Bank FlexPerks® Travel Rewards® Card comes with a big sign-up bonus: Earn 25,000 enrollment FlexPoints worth $375 on airfare, hotel stays, car rentals and more. Just spend $2,000 in eligible Net Purchases on your card within the first four months of account opening. If you could redeem these points for 2 cents apiece, this could be worth $400.

You’ll also get 3 points per dollar spent on charitable donations, 2 points per dollar spent on most cellphone expenses, 2 points per dollar spent on groceries, gas or airfare (whatever you spend the most on in a given month) and 1 point per dollar spent on all other eligible purchases. That's a lot of earning power for one card.

With an annual fee of $49 , this card also offers a high ongoing value. Bonuses aside, if you earned 2 points on all your purchases and got 2 cents of value out of each one, you'd break even after putting $1,225 in purchases on your card, a pretty manageable threshold for most folks. If you want points that won't expire, or if you're trying to transfer points or gain a higher membership status with a certain airline or hotel chain, this might not be the right choice for you. But if you're looking for long-term value, this could be a fine option.

» MORE: Reviews of major rewards programs

Methodology

The calculated value of these points is based on an estimated redemption rate, not a credit card rewards earn rate. Therefore, you may notice that these numbers don’t match the rewards rates on our credit card finder tool . Read on for how we estimated these points values.

For airfare, we referred to U.S. Bank’s airfare chart . Below, we listed the redemption options available for hotel stays and hotel and airfare packages, which aren't available online for those without U.S. Bank accounts.

Redeeming points for hotel stays:

10,000 FlexPoints – up to $150 at a hotel

20,000 FlexPoints – up to $300 at a hotel

30,000 FlexPoints – up to $450 at a hotel

40,000 FlexPoints – up to $600 at a hotel

50,000 FlexPoints – up to $750 at a hotel

70,000 FlexPoints – up to $1,500 at a hotel

100,000 FlexPoints – up to $1,500 at a hotel

150,000 FlexPoints – up to $2,250 at a hotel

225,000 FlexPoints – up to $3,375 at a hotel

350,000 FlexPoints – up to $5,250 at a hotel

500,000 FlexPoints – up to $7,500 at a hotel

625,000 FlexPoints – up to $9,375 at a hotel

750,000 FlexPoints – up to $11,250 at a hotel

875,000 FlexPoints – up to $13,125 at a hotel

1,000,000 FlexPoints – up to $15,000 at a hotel

1,200,000 FlexPoints – up to $18,000 at a hotel

Redeeming points for hotel and airfare packages:

20,000 FlexPoints – up to a $300 package

30,000 FlexPoints – up to a $450 package

40,000 FlexPoints – up to a $600 package

50,000 FlexPoints – up to a $750 package

70,000 FlexPoints – up to a $1,500 package

100,000 FlexPoints – up to a $1,500 package

150,000 FlexPoints – up to a $2,250 package

225,000 FlexPoints – up to a $3,375 package

350,000 FlexPoints – up to a $5,250 package

500,000 FlexPoints – up to a $7,500 package

625,000 FlexPoints – up to a $9,375 package

750,000 FlexPoints – up to an $11,250 package

875,000 FlexPoints – up to a $13,125 package

1,000,000 FlexPoints – up to a $15,000 package

1,200,000 FlexPoints – up to an $18,000 package

As of March 14, 2015, gift cards started at 1,000 points for a $10 certificate. A statement credit of $50 cost 5,000 points.

For merchandise, we looked at two items – one that was expensive, and one that was less expensive. The less expensive one was the Taylor Biggest Loser Body Fat Scale, listed at $39.95 on Amazon; it cost 5,100 points through U.S. Bank (a value of 0.77 cents per point). On the high end, we looked at the Sony 4K camcorder, listed at $1,698 on Amazon. On U.S. Bank, it cost 203,500 points, giving a value of about 0.83 cents a point.

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Credit card customer service, find answers about your credit card., set up my card., how do i check the status of my u.s. bank credit card application.

Your security is important to us, so we want to be sure we're talking to you. Please call us at 800-947-1444 and choose option 1 to check the status of your application. We accept relay calls. Our hours are Monday through Friday from 8 a.m. to 5 p.m. CT.   

How do I activate my credit card?

If you're  not   logged into your U.S Bank account, please refer to the number or website listed on the front of your card to activate it.

To activate your credit card using digital banking 

• Select the card that needs activated.
• Online banking : Choose Card controls , then select Activate card . U.S. Bank Mobile App : Choose Manage, then select Activate card .
• Enter the card information and the last four digits of your SSN, then select Activate .

To freely explore our digital banking services without using your own account, visit our Digital Banking Simulators page. If you'd like a step-by-step tutorial on how to use a specific service or feature, check out our Digital Explorer page.

How do I add a credit card to my digital wallet?

The option to add your credit card to your digital wallet is only available on the U.S. Bank Mobile App. This option is not available on usbank.com.

For the best mobile banking experience, we recommend logging in or downloading the U.S. Bank Mobile App.

Once you are logged into your account dashboard, select the Menu icon in the upper left of the page, then choose  Manage cards . Select the card you would like to add, then choose  Add to Digital wallets.

• If the card has not been added it will give you the option to " Add to digital wallet "
• If the card has already been added it will advise " Added "

How do I add or remove account alerts?

We know life gets busy and reminders about transactions can be helpful. Manage your alerts anytime using digital banking. 

How to add or remove account alerts using online banking

• Choose an account from your dashboard then select the Account services tab.
• From the Alerts & notifications section select Account alerts .
• Select Account activity  from the "Notifications" menu on the left. 
• Quick setup : recommend alerts based on the account type.
• All settings : All available alerts for the specific account.
• Select the  chevron  (>) to the left of the alert name to expand the details.
• Use the  toggle buttons  to turn the alert on or off on.
• You'll need to repeat these steps for each account. Select a different account from the drop down in the top right corner.

How to add or remove account alerts using the U.S. Bank Mobile App

• From the main menu choose  Notifications , then select  Account activity .
• Select the  chevron  (>) to the right of the alert name to expand the details.
• Use the  toggle buttons  to turn the alert on.
• You'll need to repeat these steps for each account. Select a different account from the drop down in the top of the screen.

More information

The option to set up or manage account alerts is only available on our full site for the following products:

• U.S. Bancorp Investments accounts.
• Trust, agency, custody, or IRA accounts with Ascent Private Capital Management, U.S. Bank Private Wealth Management or U. S. Bank Wealth Management.

How do I add an authorized user to my credit card?

To add an authorized user, the request needs to come from an account owner. Up to seven authorized users can be on the account at the same time. Authorized users must be at least 13 years of age. All that's needed to add them is their first and last name, date of birth, and Social Security number. Adding a middle initial is optional.

If you'd like to complete the process by phone or have any questions, please call us at the number on the back of your card or 800-285-8585. We accept relay calls.

To add an authorized user through digital banking, follow the steps below.

Add an authorized user in online banking

• Select Accounts from the top of the page, then choose Manage cards . You may need to choose the applicable credit card if you have more than one.
• Scroll down to the Control heading and select Add Authorized Users. 
• Fill out the authorized user form and select Save & continue .
• Take a look at the information and if it's correct select Submit .

Add an authorized user in the U.S. Bank Mobile App

• From the account dashboard, select the Menu in the upper left corner, then Manage cards . (Make sure to select the correct card if you have more than one.)
• Select Add authorized users from the card controls menu.
• Fill out the new authorized user form and select Save & continue .
• Review the information, then select Submit .

Additional information

Please be aware of the following information:

• The card will be sent to the address we have on file.
• A credit report is not pulled when we process a request to add an authorized user.
• College, Secured, and Young Adult (co-signer) credit card accounts are not eligible to add authorized users.

Manage my cards.

How do i set up autopay for my credit card, loan, lease or line of credit.

Setting up autopay is easier than ever. When you've gone through the process, we'll provide you a confirmation page to review. It'll tell you when the first payment starts, how much is being paid, and what date it'll be paid each month.

To set up autopay using digital banking

• Online banking : Select  Transfer & pay  at the top of the page, then choose  Pay bills. U.S. Bank Mobile App : Select  Pay bills & transfer  at the bottom of the dashboard, then choose  Pay a bill.
• Select the account you want automatically paid, by clicking on it, then choose  Autopay set up now  (found on the right side of the page) .
• Optional: We encourage you to review the terms of service before starting autopay. 
• Pay this amount/Amount to pay : Choose how much to pay. Options include minimum payment, statement balance, minimum payment with extra, or other amount.
• Send payments before or on due date/Make payments : Choose when you'd like the payment to be delivered. This is considered the day the payment is made, also known as the transaction date.
• Pay from : Choose the account to pay from. If you're paying from an external account, you'll need to add it to your list of external payment accounts before setting up autopay.
• Select  Continue  to review your autopay settings. If they look good, choose  Start autopay .  

If you've recently changed your due date, you'll need to wait until after the new due date to set up autopay.

How do I redeem my credit card rewards?

There are a couple ways to find out what kind of rewards program you have. Check out the rewards section of your billing statement or log in to digital banking.

If your rewards program is with U.S. Bank (such as Shopper Cash, Cash+, FlexPerks or Altitude), follow the steps below.

To redeem your rewards using digital banking

• Online banking: Select your rewards card, then choose Go to rewards & benefits. U.S. Bank Mobile App: Select your rewards card, then choose the Rewards  tab.
• Select Redeem rewards .
• Choose the category you'd like to browse (e.g., Rewards card or Travel) and follow the prompts to redeem.
• If you don't have the choice to view or redeem rewards, your rewards program may be with a retail partner such as an airline or grocery rewards card. 
• For questions, please call our Rewards Center at 888-229-8864. We accept relay calls.

How can I change the PIN on my credit card?

There are a few options available to reset your credit card PIN. Choose the one that works for you. 

Speak with a representative: If you're not sure what your PIN is, call us at the phone number on the back of your card or at 800-285-8585 and request a PIN mailer to be sent to you. We accept relay calls.

Automated phone system: You must have your PIN mailer or the pre-selected PIN to use this option. Call 800-285-8585, listen to the menu options and enter the pre-selected PIN when prompted. We accept relay calls.

Branch/ATM: Visit us at any U.S. Bank branch or ATM. At the terminal, from the main menu, start by selecting Customize ATM , then select Change PIN. 

When selecting a PIN, be aware of the following restrictions:

• It can't begin with a zero (0), be all nines (9999), or all zeros (0000)
• You can't select 1234

A PIN mailer is a system generated number. Representatives can't set a specific PIN for you. Once you receive the mailer, follow the above steps to reset your PIN to a new number.

How do I request a credit limit increase?

Credit limit increase requests can be submitted using digital banking. If your account has a joint owner, we’ll need their details as well. Before doing so, you’ll need to have the following information available:

• Annual income of owner(s).
• Monetary assess of owner(s).
• Combined monthly housing payment*.
• Portion of the housing payment the owner(s) are responsible for**.

To request a credit limit increase on your credit card using digital banking

• Choose the credit card you’d like to request an increase on.
• Online banking : Select Account services , then choose  Request Credit Limit Increase.  U.S. Bank Mobile App : Select Manage , then choose Request Credit Limit Increase .
• Provide your income and asset information, then select  Continue to housing.
• Check the box at the top if your account has multiple owners and everyone shares the same address.
• If the box is checked, we won't ask for the other owner's housing information.
• Verify the details are correct, then select  Submit my request.

*The combined housing payment includes the full amount paid each month.

**The portion of the housing payment we’re looking for is the specific dollar amount each individual owner is responsible for. Example 1: If you’re making the housing payments in full:

• And there is no joint owner, enter the full payment amount.
• And there is a joint owner, but is NOT responsible for the housing payment, enter $0 for them.

Example 2: If the full housing payment is split in half each month:

• And there is no joint owner, enter your half the housing payment amount. Do not include the other person’s portion.
• And there is a joint owner who’s responsible for half the housing payment, enter what portion they pay.

How do I get a cash advance from my credit card or line of credit?

Before taking a cash advance, consider the costs related to one. Credit products used for cash advances may be subject to additional charges. This includes cash advance fees and interest charges that will accrue on the amounts advanced. Alternatively, if you use a checking or savings account, you can avoid these expenses. See your Cardmember Agreement for details. See also:   How do I request my cardmember agreement for my credit card account?

Getting a cash advance using digital banking is considered an “internal transfer”. So, all you need to do is transfer funds from the credit card into your checking or savings account. See also: How do I transfer money between my U.S. Bank accounts?

To get a cash advance using online banking

• Select  Transfer & pay  at the top of the page, then choose  Internal transfers. 
• Choose the account funds will come from and which account they'll go to.
• Enter the amount to transfer. Optional: Enter a memo for your records.
• Review your request, then select  Send transfer.

To get a cash advance using the U.S. Bank Mobile App

• Select  Pay bills & transfer  at the bottom of the screen, then choose  Transfer money .
• Enter the amount to transfer. Optional: Use the toggle to Repeat this transfer, then choose the frequency and when to stop repeating it.
• Review your request, then select Transfer $.

If you've received convenience checks linked to your credit card or line of credit, they can be used for a cash advance. Just write a check to yourself and take it to your financial institution to deposit or cash it. 

How do I request a balance transfer on my credit card?

Managing your money is important and we want to help. If you've decided to transfer the balance from an external account to your credit card, follow the steps below.

To request a balance transfer using digital banking  

• Select your credit card.
• Online banking : Choose Account services , then select  Balance transfer  from the "Payments" section. U.S. Bank Mobile App : Choose Manage , then select Transfer a balance within the "Offers" section.
• Review the offers shown; when you find one you want, select  Choose this offer .
• Choose a  payee  or enter one from the drop-down menu.
• Payee address (we'll prefill the address whenever possible).
• Account number to be paid.
• The amount to transfer.
• Select  Add another transfer  if you have multiple payees.
• Review your balance transfer information. Then select,  View balance transfer terms and conditions .
• If the information is correct and once you've viewed the terms, choose  Submit. 

To process a balance transfer using a business credit card account, please call us at 888-485-4545 and speak with a banker.

Balance transfers can't be used to pay any account issued by U.S. Bank. Balance transfers do not earn rewards. For full details, please refer to your Cardmember Agreement.

How do I dispute a transaction on my credit card?

We're here to help. When we ask for more information about the circumstances, please answer as accurately as you can.

To dispute a transaction using online and mobile banking

• Choose the credit card the charge was made to.
• Select the transaction in question to expand the details and choose Dispute this transaction .
• Answer the questions to help us determine the reason for your dispute, then select Continue to start your case. 

If the case can be submitted through digital banking, you'll receive confirmation once the steps are completed.

If the dispute option doesn't appear or if you have any questions, call us at 800-285-8585 to speak with a banker.

If you'd prefer to contact us in writing, please include the following in your letter. 

• Your name, card number, address, and phone number.
• The amount of the transaction and the date it posted.
• The reason for the dispute and why you believe a mistake was made.

The address to send the above information to is:

Cardmember Service PO Box 6352 Fargo, ND 58125-6352

How do I lock or unlock my credit card?

You can quickly lock or unlock your card at any time using digital banking.

If you're your card was lost or stolen, review our article :   How do I report a credit card as lost or stolen?

To lock or unlock your card using online banking

• Select your credit card from the dashboard.
• Choose  Card controls,  then select  Lo ck or unlock card .
• Select  Lock card  or  Unlock card  to change the status. 

To lock or unlock your card using the U.S. Bank Mobile App

• Select your card from the dashboard.
• Choose Manage  at the top of the screen, then select  Lock or unlock card  within the "Card Controls" section.
• Use the  toggle  button to lock or unlock the card, then select  Done .

How do I report a credit card as lost or stolen?

If you don't have your credit card, we can help. To have a new card sent to your address on file, follow the steps below. Or if you'd like to lock your card while you look for it, see: How do I lock or unlock my credit card?

If you need your card sent to a different address, give us a call at 800-285-8585. If you see purchases you didn't make, call us at 866-821-8411. We're here 24 hours a day to help. We accept relay calls.

To report your credit card as lost or stolen using online banking

• From your dashboard, select the missing card.
• Select Card controls from the three tabs in the middle. Then choose Lost or stolen card .
• Let us know what happened to your card by picking from the list of options.
• Select your card and any other cards you'd like to close and replace. Then choose Continue .
• We'll help you lock your card(s) by selecting Lock card now . Then select Continue .
• Enter the date your card(s) went missing and then select Continue .
• Yes, continue if the transactions are yours.
• No, I don't if you don't recognize them.
• If you selected more than one card, we'll review each card. If not, continue to the next step.
• Confirm your shipping details and select Continue if everything looks right. 
• Review the order details, then select Replace card . 

To report your card as lost or stolen using the U.S. Bank Mobile App

• From the main menu select Manage cards , then choose the missing card.
• Select  Report card lost or stolen .

While waiting for your new card to arrive, a virtual copy of your card is available in your digital banking. Your virtual card can be used online, at the ATM or wherever contactless purchases can be made. Please see: How do I find my credit card number (virtual card)?

To use your virtual card at the ATM or for a contactless purchase, add it to your mobile wallet. To add it, see: How do I add a credit card to my digital wallet?

Credit card contact information

Cardmember service.

U.S. Bank Altitude ® Reserve Visa Infinite ® Card

844-357-2015

U.S. Bank Altitude ® Go Visa Signature ® , Altitude ® Connect Visa Signature ® , Shopper Cash Rewards™ Visa Signature, Cash+ ® Visa Signature, Cash Rewards, Perks+, Platinum, College and Secured Visa ® Cards

800-285-8585

U.S. Bank Cash 365™ American Express ®

844-303-8122

U.S. Bank Premier Line 888-444-BANK

U.S. Bank Credit-Line 888-852-5786

FlexPerks ® Gold American Express ® FlexPerks ® Select+ American Express ® and FlexPerks ® Travel Rewards American Express ® Cards 866-311-5550

FlexPerks ® Select Rewards Visa ® Card 800-692-8472

FlexPerks ® Travel Rewards Visa Signature ® Card 877-978-7446

U.S. Bank Offer Verification 800-530-9454

Servicemembers Civil Relief Act

Travel rewards

Radisson Rewards™ Visa Card 800-236-4012

SKYPASS Visa Signature Card 866-359-4771

SKYPASS Visa Card 866-286-8472

Retail rewards

Dillons REWARDS World Mastercard ®   844-742-5806

Fred Meyer Rewards World Mastercard ® 844-237-0594

Fry’s REWARDS World Mastercard ®    844-742-5807

Harris Teeter REWARDS World Mastercard ®   844-237-0596

King Soopers REWARDS World Mastercard ®   844-742-5808

Kroger REWARDS World Mastercard ®    844-237-0593

Mariano’s REWARDS World Mastercard ®   866-230-4543

Pick ‘n Save/Metro Market REWARDS World Mastercard ®    844-237-0597

Polaris ®  Visa ®  Card 877-828-4726

Quicken ®  World Mastercard Card ® 833-235-0940

QFC REWARDS World Mastercard ®   844-742-5809

Ralphs Rewards World Mastercard ®   844-237-0595

Smith’s REWARDS World Mastercard ®   844-742-5810

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