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Us bank flexperks travel rewards visa card reviews


us bank flexperks travel rewards visa card reviews

It also features tiered rewards, offering 5X on prepaid hotels and car rentals booked through the FlexPerks Rewards Center. The U.S. Bank FlexPerks Business Travel Rewards credit card tends toward. Security is another reason to get the US Bank FlexPerks Travel Rewards Visa Signature Card. The card is built with security features that will.
us bank flexperks travel rewards visa card reviews

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  • Annual fee: $0 intro annual fee for the first year.
    After this period, the card’s annual fee reverts to $49 a year.
  • Signup bonus: 25,000 FlexPoints.
    To earn this bonus, make $2,000 in eligible purchases with your card within the first 4 months of account opening. According to U.S. Bank, these FlexPoints are worth $375, or 1.5 cents each, in travel redemptions — such as flights, car rentals and hotel stays.

    You can also redeem FlexPoints for merchandise, gift cards, live events and statement credit. Some options may not give you a 1-cent-per-point value, which is standard across the credit card industry.

  • Rewards: Up to 2x points.
    Earn 2x points each billing cycle in one of three categories you’ve spent most in: airlines, gas stations or grocery stores. Earn 2x points on spending with cellular providers and charities, and 1x points on all other eligible spending.
  • $25 airline allowance on award travel.
    When you redeem FlexPoints for an award flight, you can be credited up to $25 for eligible purchases made with the carrier during your flight dates. To request the statement credit, call U.S. Bank Cardmember Services via the number on the back of your card. You must make the request within 90 days of your purchase.
  • No foreign transaction fees.
    Use this card to make purchases abroad with no extra fee.
  • Annual fee: $49 after the first year.
    It’s possible to offset this fee if you use the card to earn enough rewards.

While other cards may offer stronger rewards, the U.S. Bank FlexPerks® Travel Rewards® Visa Signature® Card’s offers strong travel redemption options.

If you’re not sure this card is right for you, consider other travel credit cards.

  • Look for the points in your FlexPoints account within six to eight weeks.

  • It’ll apply within four to six weeks for the amount of your purchase.

  • You’ll receive it as a statement credit or a deposit to your U.S. Bank savings or checking account. There’s a minimum redemption of 5,000 FlexPoints.

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Review by

Kevin Joey Chen

[email protected]

Kevin Joey Chen is a credit cards, banking and investments writer whose work and analysis have appeared on CNN, U.S. News & World Report, Business.com, Lifehacker and CreditCards.com. He's passionate about helping you get your finances in order by expertly navigating cutting-edge financial tools — including credit cards, apps and budgeting software.

Expert review

The U.S. Bank FlexPerks® Travel Rewards® Visa Signature® Card offers strong rewards if you mostly spend on airlines, gas stations or grocery stores. The card’s rewards, signup bonus and FlexPoints value can also help you offset the cost of the annual fee.

However, you may earn stronger rewards with other cards if your spending largely goes to other categories or is evenly spread out.

Источник: https://www.finder.com/us-bank-flexperks-travel-rewards-visa-signature-card

Fixed-rate travel rewards: U.S. Bank FlexPerks Travel Rewards Visa Signature Card review

Update: Some offers mentioned below are no longer available. View the current offers here.


The U.S. Bank FlexPerks Travel Rewards Visa Signature Card is a travel rewards card with multiple bonus-earning categories. There’s no need to worry about maximizing redemptions, because your points are worth 1.5 cents each when used toward travel. This card may be particularly appealing to those who donate to charity frequently, prefer fixed-value rewards, want to use one card for all their purchases, don’t want to pay a high annual fee and/or have lower credit. Card Rating*: ⭐⭐⭐

*Card Rating is based on the opinion of TPG’s editors and is not influenced by the card issuer.

The U.S. Bank FlexPerks Travel Rewards Visa Signature Card is one of the few cards to still offer bonus earning for charitable donations. The card also offers other interesting features. You can get reimbursed for up to $25 per round-trip air travel award ticket for baggage fees or in-flight food and drink. You earn 2x at airlines, gas stations or grocery stores — whichever you spend most on each monthly billing cycle. Let’s take a closer look at this card and who should consider adding it to their wallet.

The information for the U.S. Bank FlexPerks Travel Rewards Visa Signature Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer

In This Post

Who is this card for?

The U.S. Bank FlexPerks Travel Rewards card isn’t for everyone. But you may be well suited for the card if you satisfy one or more of the following criteria:

  • Donate to charity frequently: A 3% return on charitable donations is one of the best returns you’ll find
  • Prefer fixed-value rewards: If you don’t want to maximize transfer partners and search for award availability, the simplicity of redeeming for travel with this card may provide value
  • Want to use one card for all purchases: Since you’ll earn 2x at airlines, gas stations or grocery stores — whichever you spend most on each monthly billing cycle — this may be a reasonable choice if you only want to use one card
  • Don’t want to pay a high annual fee: With a $49 annual fee that’s waived the first year, this travel rewards card may appeal if you have sticker shock at the annual fees charged by other travel rewards cards
  • Have lower credit: This card may be easier to be approved for than some other travel rewards cards, while still allowing you to earn and redeem points toward travel

You’ll only get 1.5 cents per point if you redeem those points for travel; other redemptions will provide a lower value for your points. If you already have cards that provide a similar or better earning rate for charitable donations, groceries, gas stations, airlines and everyday spending, then the U.S. Bank FlexPerks Travel Rewards card likely won’t provide much value for you.

Further reading: 7 travel rewards credit cards that pay for themselves

Sign-up bonus: As much as $375 in value

(Photo by John Gribben for The Points Guy)

The U.S. Bank FlexPerks Travel Rewards card currently offers a sign-up bonus of 25,000 FlexPoints after you spend $2,000 in eligible net purchases on your card within the first four months of account opening. These FlexPoints are worth $375 when redeemed for eligible travel including airfare, hotel stays and car rentals.

There’s a $0 introductory annual fee for the first 12 months, after which most people will need to pay a $49 annual fee. U.S. Bank Platinum Checking customers receive a second year annual fee waiver.

Main benefits and perks

One of the most impressive-sounding benefits of the U.S. Bank FlexPerks Travel Rewards card is a reimbursement for up to $25 per round-trip air travel award ticket toward baggage fees or inflight food and drinks. However, this perk has a number of restrictions:

  • You must redeem a minimum of 10,000 FlexPoints per round-trip airline award ticket
  • Charges must post to your account, under the airline carrier providing your award travel flight, between the dates of your award travel flight
  • Reimbursement is only available for FlexPoints redemptions made for airfare through the Rewards Center online or by phone — not if you purchase airfare from an airline and use real-time mobile rewards to pay for the airfare
  • Reimbursement is not automatic, so you must call to request a statement credit within 90 days of each purchase

Another primary benefit of the U.S. Bank FlexPerks Travel Rewards card is access to exclusive Visa Signature card member benefits. These benefits include Luxury Hotel Collection perks and access to the Visa Signature concierge, as well as travel and shopping benefits like purchase security, warranty manager service, auto rental collision damage waiver and travel and emergency assistance services.

Other benefits of the U.S. Bank FlexPerks Travel Rewards card include:

Further reading: U.S. Bank changing FlexPerks Rewards in 2018

How to earn points

You’ll earn FlexPoints on all purchases you make with your U.S. Bank FlexPerks Travel Rewards card. Each monthly billing cycle you’ll earn two points per dollar spent on purchases with airlines, gas stations or grocery stores. Luckily, you don’t have to choose your 2x category, as U.S. Bank will simply give you two points per dollar spent in whichever category you spend the most in during each monthly billing cycle and one point per dollar spent in the other two categories.

You’ll also earn two points per dollar spent on all purchases with cellular services providers and at charities, which makes this one of the best cards for charitable donations. To earn two points per dollar spent, the charity must classify itself as a “Charitable and Social Service Organization” when processing credit card payments.

You’ll earn one point per dollar spent everywhere else. To maximize your earnings with this card, you’ll want to use it for spending on purchases with either airlines, gas stations or grocery stores each billing cycle. But this card can work well even if you use the card for all of your purchases each billing cycle. For example, even if you normally spend more on groceries than gas or airfare, you’ll still be rewarded for your increased spending if you have a month where you buy airfare or go on a road trip and purchase a large amount of gas.

How to redeem points

You can redeem FlexPoints earned by the U.S. Bank FlexPerks Travel Rewards card in many different ways:

  • Air travel, hotel and car rental rewards
  • Merchandise rewards
  • Gift cards
  • Statement credit
  • Real-time mobile rewards

However, you’ll only get a redemption value of 1.5 cents each — the best of any redemption options — when you redeem your FlexPoints toward travel. You can redeem your FlexPoints at 1.5 cents each for airfare, hotel stays and car rentals through U.S. Bank’s Rewards Center either online or over the phone.

If you don’t want to book through U.S. Bank’s Rewards Center, you can also redeem your FlexPoints at a rate of 1.5 cents each for travel purchases made directly with U.S. merchants that are airlines, hotels, car rental companies, taxis, limousines, passenger trains and cruise lines through real-time mobile rewards. You’ll need to activate real-time mobile rewards and set up which types of purchases you’d like to be notified about before you can redeem your FlexPoints. Our friends at Million Mile Secrets have a full guide on how to activate and set-up U.S. Bank’s Real-Time Mobile Rewards.

Booking directly with merchants and then getting reimbursed can be better than booking through the Rewards Center for multiple reasons: you’ll earn FlexPoints on your purchase, you’ll have access to more rates and you can click through a shopping portal while booking. Unfortunately, the minimum purchase amount for redeeming FlexPoints through real-time mobile rewards is $500 for lodging and $250 for car rental.If you purchase airfare from an airline and use real-time mobile rewards to pay for the airfare, you also will not be eligible to receive the $25 airline allowance benefit.

Further reading: Comparing the best fixed-value point credit cards

What cards compete with the U.S. Bank FlexPerks card?

The U.S. Bank FlexPerks Travel Rewards card doesn’t have any direct competitors, although you might assume the U.S. Bank Altitude Reserve Visa Infinite Card would be comparable. The Altitude Reserve has a much higher $400 annual fee, but a $325 annual travel credit brings the effective annual fee down to a comparable $75. The Altitude Reserve offers a number of additional benefits, but the most important difference is bonus category earning. The Altitude Reserve earns 3x points on eligible net travel purchases and mobile wallet spending. Both cards earn FlexPoints, but they have relatively little in common. See our full Altitude Reserve card review for more details.

Some cash-back cards can compete with the U.S. Bank FlexPerks Travel Rewards card. One of the closest in terms of bonus earning is the Blue Cash Preferred® Card from American Express. This card earns 6% cash back at U.S. supermarkets on up to $6,000 per year in purchases, 6% cash back on select U.S. streaming subscriptions and 3% cash back on transit and at U.S. gas stations — while only having a $0 intro annual fee for the first year, then $95 (see rates and fees). See our full Blue Cash Preferred card review for more details. Cash back is received in the form of Reward Dollars that can be redeemed for statement credits.

The Bank of America® Cash Rewards credit card is also a close cash-back competitor that doesn’t charge an annual fee. It earns 3% cash back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement/furnishings, and 2% cash back at grocery stores and wholesale clubs on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter. After that, you’ll earn 1%. Preferred Rewards members get a 25%-75% rewards bonus on every purchase. See our full card review for more details.

Finally, if you’re willing to learn to maximize Chase Ultimate Rewards points, it might be worthwhile to pair the Chase Freedom Unlimited with the Chase Sapphire Reserve or Chase Sapphire Preferred Card. In doing so, you’d get a 3% return on all non-bonus spending (based on TPG valuations) —- which is the same return you’d get from bonus categories on the U.S. Bank FlexPerks Travel Rewards card — and a 4% or 6% return on all travel and dining spending.

Further reading: The best starter travel credit cards

Bottom line

The U.S. Bank FlexPerks Travel Rewards Visa Signature Card offers the ability to earn double FlexPoints on one of three categories — airlines, gas stations or grocery stores — in which you spend most during each monthly billing cycle. Plus, earning double FlexPoints on charitable donations makes this card one of the best for charitable donations.

FlexPoints can be redeemed for travel at a value of 1.5 cents each, so this card can be a good option if you’ll redeem your points for travel. The U.S. Bank FlexPerks Travel Rewards card may be a particularly valuable choice if you’re unable to get accepted for other travel rewards cards, don’t want to deal with transfer partners and finding award space, or determine that the card’s bonus categories align well with categories for which you currently aren’t earning bonus points.

For rates and fees of the Blue Cash Preferred, please click here.

Featured image by John Gribben/The Points Guy.

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Card Details

Earn unlimited points with flexible redemption options

Earn unlimited 2 points for every $1 spent on travel and dining purchases and 1.5 points for every $1 spent on all other purchases.

No limit to the points you can earn and your points don't expire.

Flexibility to choose how you redeem your points – redeem for cash back as a deposit into Bank of America® checking or savings accounts, for credit to eligible Merrill® accounts including 529 accounts, as a statement credit to your credit card, or for gift cards and purchases at the Bank of America Travel Center.

50,000 bonus points offer

50,000 online bonus points (a $500 value) after you make at least $3,000 in purchases in the first 90 days of account opening

Get up to $200 in travel statement credits

Get up to $100 in Airline Incidental Statement Credits annually for qualifying purchases such as seat upgrades, baggage fees, in-flight services, and airline lounge fees - automatically applied to your card statement

Get up to $100 in Airport Security Statement Credits towards TSA Pre✓ ® or Global Entry Application fees, every four years

No foreign transaction fees

No matter where you're traveling, feel free to use your Bank of America® Premium Rewards® credit card without incurring foreign transaction fees when making purchases outside of the United States

Get even more rewards

Preferred Rewards members earn 25%-75% more points on every purchase.

That means you could earn up to 3.5 points for every $1 you spend on travel and dining purchases and up to 2.62 points for every $1 you spend on all other purchases.

Learn more about Preferred Rewards Premium Rewards

This online only offer may not be available if you leave this page, if you visit a Bank of America financial center or call the bank. You can take advantage of this offer when you apply now.

Interest Rates & Fees Summary

Interest Rates & Fees Summary

Interest Rates & Fees Summary

Please see Terms and Conditions for rate, fee and other cost information, as well as an explanation of payment allocation. All terms may be subject to change.

Standard APR

Balance Transfer Fee

3%

of each transaction (minimum $10)

Standard APR

Balance Transfer Fee

3%

of each transaction (minimum $10)

Note: minimum payments are applied to lower-interest balances first. Additional payments are applied to higher-interest balances first.

View complete list of rates and fees

Источник: https://www.bankofamerica.com/credit-cards/products/premium-rewards-credit-card/
airport security

This holiday season is shaping up to be a busy time for travel. AAA is predicting an 80% increase in air travel from last Thanksgiving, when most travelers stayed home due to the COVID-19 pandemic, according to The Washington Post. If you're planning on traveling during the holidays, there are ways to avoid standing in a long security line at the airport. 

TSA PreCheck, Global Entry and Clear are programs that allow you to breeze through airport security. But before you plunk down money on these program fees -- and after you digested the security and privacy concerns of enrolling such a program -- you may want to look at the many credit cards that cover the costs. Similarly, you can redeem loyalty points or frequent-flyer miles to get a free TSA PreCheck, Global Entry or Clear membership.

To save you from digging through the details of your next credit card statement or rewards program FAQ page, I've assembled in one convenient spot the credit cards and loyalty programs that cover all or some of the cost of TSA PreCheck, Global Entry or Clear. Check out the lists and links below.

Related: Best travel credit cards for 2021

What do these programs do?

TSA PreCheck and Global Entry are run by the US government, while a private company operates Clear. 

  • TSA PreCheck is run by the US Transportation Security Administration and expedites the airport security screening process. This gets you access to a faster PreCheck line (where available) and you won't have to remove your shoes, belt, jacket or laptop during the security screening. 
  • Global Entry, run by the US Customs and Border Protection, includes all of the advantages of TSA PreCheck and adds an express line through customs and immigration for international travelers returning to the US. 
  • Clear is privately operated and lets you bypass the main security line or the TSA PreCheck line at the airport. After checking in at a kiosk, you'll be escorted to the front of the security line, where you won't be required to show your ID. Then you'll go through a security screening as usual -- unless you also have PreCheck. Clear also offers a free version of its service called Clear Sports that provides expedited entry into a handful of stadiums around the country.

Read:TSA PreCheck vs. Global Entry vs. Clear compared

How much do these programs usually cost?

TSA PreCheck costs $85 for five years. Global Entry costs $100 for five years. Clear is considerably more expensive at $179 per year. The ideal combination is Global Entry and Clear, letting you breeze through the security line, then going through screening without reorganizing your entire wardrobe. But that's expensive, so, read on.

How to get TSA PreCheck or Global Entry for free

In most cases, if a credit card features a TSA PreCheck or Global Entry benefit, it gives you the choice of a $100 credit to cover the cost of Global Entry or an $85 credit to cover the cost of TSA PreCheck. I don't know why you would opt for the latter if both are free. Remember, Global Entry includes all of the benefits of TSA PreCheck and adds a speedier way through US customs and immigration. Some cards, however, offer only an $85 credit, which would leave you with a $15 balance to cover the cost of Global Entry.

The following credit cards include up to a $100 credit at least every five years to cover a five-year membership to TSA PreCheck or Global Entry:

In addition to credit cards, there are a handful of traveler loyalty programs that let you trade points or miles for a free membership to TSA PreCheck.

How to get Clear for free

There are fewer ways to get a free or discounted Clear membership, but they do exist. Delta and United frequent flyers as well as Hertz members can get a deal on Clear.

For Delta flyers, Clear is free for Diamond Medallion members, $109 a year for Platinum, Gold and Silver Medallion members, and $119 a year for General SkyMiles members. 

On United, Clear free for Premier 1K members, $109 a year for United credit cardmembers in the US and Platinum, Gold and Silver Premier members. And it's $119 a year for MileagePlus members.

Hertz Gold Plus Rewards members can get Clear for a discounted rate of $129 a year -- a savings of $50.

Disclaimer: The information included in this article, including program features, program fees, and credits available through credit cards to apply to such programs, may change from time-to-time and are presented without warranty. When evaluating offers, please check the credit card provider's website and review its terms and conditions for the most current offers and information. 

The editorial content on this page is based solely on objective, independent assessments by our writers and is not influenced by advertising or partnerships. It has not been provided or commissioned by any third party. However, we may receive compensation when you click on links to products or services offered by our partners.

Источник: https://www.cnet.com/personal-finance/credit-cards/how-to-get-tsa-precheck-global-entry-and-clear-for-free-this-holiday-season/
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Источник: https://www.creditkarma.com/credit-cards/i/us-bank-flexperks-rewards-program-guide

REVIEW: US Bank Visa Platinum Credit Card

US Bank Visa Platinum Credit CardIf you’re looking for a solid credit card from a well-respected banking institution and lengthy introductory rate period, then this one from U.S. Bank is a great choice. Especially if you’re going to transfer over other credit card balances or make large purchases right away. The 0% for 18 month introductory rate promotion on balance transfers and purchases is better than great, and the 14.74-24.74% ongoing interest rate is pretty good too!

U.S. Bank Visa Platinum Card Highlights

0% Introductory Rate on Purchases for 18 Month – Regardless if you want to make a few expensive purchases right away or just use the card on everyday items, you won’t have to worry about paying any interest on those transaction for up to 15 months. This is better than most other credit cards, and definitely the best intro APR deal we’ve found on any U.S. Bank credit card.

0% Intro Rate on Balance Transfers for 18 Months – Individuals looking to save money on their current credit card balances should definitely consider this card because it also offers an extremely long fifteen month introductory period on balance transfers. Only a minute number of other credit cards offer a longer balance transfer introductory rate period, with even less of them offering a comparable promotional rate on both balance transfers and purchases.

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$0 Annual Fee – Oftentimes accounts will start with a zero dollar annual fee the first year, but then charge you $50 or more from the second year going forward. Not with the US Bank Visa Platinum credit card, though – it’s $0 forever!

Free Credit Score – Internet banking customers will have access to their Experian credit score. This is a really nice feature to have. Even if you’re not trying to improve your credit score, it’s extremely helpful for credit monitoring purposes too. If there’s a major change to your score you’ll be aware of it and can decide whether or not to investigate. This feature is most common with fee-based credit cards, so it’s a real bonus to get it for ‘free’!

Why This Card Might Not Be Right for You

Rewards – Not everyone has balances to transfer over or desires an introductory interest rate on purchases. If you plan on paying off your bill each month rather than carrying a balance, then a rewards card such as the US Bank FlexPerks Travel Rewards Visa Signature credit card might be a better option for you. That way you can earn points for all of your purchases and use them to pay for groceries. If you own a business or travel significantly, you may also want to consider a card like the US Bank Bank FlexPerks Business Cash Rewards Visa credit card.

Final Thoughts

The U.S. Bank Visa Platinum credit card is ideal for consumers looking to transfer over balances or make large purchases in the near future. Current US Bank customers will find this card to be a great addition to their current U.S. banking services and everyone else should also feel good about adding it to their portfolio too. However, reward seekers who pay off their account every month might prefer a rewards card.

Have you applied for, been approved or denied for the US Bank Visa Platinum credit card recently? If so, feel free to leave a summary review of your experience in the comments below. Genuine reviews – positive or negative – will help other consumers researching this product, and are greatly appreciated by the community. If you’ve been using this card for any length of time, we welcome your thoughtful feedback as well.

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Posted on July 9, 2019 by Wesley LeFebvre in Credit Cards, U.S. Bank

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U.S. Bank FlexPerks Business Travel Rewards Credit Card Review

U.S. Bank FlexPerks Business Travel Rewards Credit Card

Earning points with a business rewards card is great from a money-saving standpoint. Especially if you can turn points into free travel. 

The U.S. Bank FlexPerks Business Travel Rewards Credit Card offers multiple ways to earn points toward travel. This card also comes with a few other perks that raise its value. 

Though not a premium travel rewards credit card, it's still a solid option if you want a no-fuss way to earn and redeem points.

We'll review this card's features and benefits for you to consider before you apply.

U.S. Bank FlexPerks Business Select Rewards Credit Card Pros & Cons

ProsCons
  • Earn 2X points on airfare and selected everyday business purchases
  • Receive an annual fee credit when you meet a minimum spending threshold
  • Redeem rewards for travel with flexibility
  • Employee cards require you to pay an additional fee
  • No points transfer to travel partners

Bonus Rewards on Common Business Expenses

The U.S. Bank FlexPerks Business Travel Rewards Credit Card offers multiple ways to earn rewards. 

  • Earn 2X points per dollar on gas, office supplies or airlines, whatever you spend the most on each billing cycle
  • Earn 2X points per dollar on charitable donations to qualifying charities
  • Earn 2X points per dollar on eligible cell phone service provider purchases
  • Earn 1X point per dollar on all other purchases

This card offers flexibility, since you can earn two points per dollar on gas, office supplies or airlines without having to activate or choose any bonus categories.

U.S. Bank applies those rewards based on which category you spend the most money in each month. 

That makes it easy to rack up points consistently, even as your spending patterns change from month to month. 

So you might be spending more over business travel in the summer but shift to purchasing office supplies in the fall. Either way, you'd get the benefit of earning two points per dollar for the category with the highest spend. 

You also get rewarded with two points per dollar when you use your card to pay cell phone expenses or make charitable donations. And all other purchases earn one point per dollar. 

Points are unlimited so you have control over what you earn, based on how you spend. And that includes points earned with employee cards. 

Welcome bonus

There's also an introductory sign-up bonus, which can increase your points total for the first year. 

The bonus is on the smaller side, compared to what some other rewards cards offer. But if you qualify, it's an easy way to score extra points. 

Easily Redeem FlexPerks Points

Redeeming points earned with the U.S. Bank FlexPerks Business Travel Rewards Credit Card is simple.

You can redeem points for:

  • Air travel, hotel and car rental rewards
  • Merchandise from partner merchants
  • Gift cards
  • Statement credit
  • Real-time rewards

Real-time rewards means using your points to pay for purchases. You make the purchase, then you'll get a text notifying you that you can redeem points. You can then apply points to offset the purchase amount. 

Points value varies based on what you choose to redeem them for. Generally, you'll get the best value when using FlexPerks points for travel. 

The catch:

The points are only good for travel booked through U.S. Bank, either online or by phone.

So, you won't be able to redeem points directly with an airline or hotel. And, you can't transfer them to travel partners, the way some other business travel credit cards allow you to do.

What Else Do You Get With the Card?

The U.S. Bank FlexPerks Business Travel Rewards Credit Card offers some added perks and benefits, including:

  • $25 airline allowance on round-trip fares
  • $55 annual fee credit when you meet a minimum spending requirement
  • Auto rental collision damage waiver
  • Travel and emergency assistance services
  • Purchase security
  • Extended warranty protection
  • Discounts from partner merchants
  • Visa SavingsEdge benefits, which can you up to 15% on business purchases
  • Payment controls for employee cards

The $25 airline allowance can be applied to baggage fees or in-flight food and drinks. This reimbursement is good on round-trip air travel award tickets. 

If you spend $24,000 or more in net purchases each year, you can get a credit toward the card's $55 annual fee. That's a simple way to save your business a little money. 

Fees

Unlike other business credit cards, this card does charge a fee for employee cards. 

You'll pay $10 per card for each authorized employee. That's something to keep in mind if you were planning to issue employee cards to help generate more spending for points. 

Compared to Other Business Credit Cards

Here's a look at how this card compares to other business rewards options. 

U.S. Bank Business Select Rewards

The U.S. Bank Business Select Rewards Credit Card gives you flexibility when earning points. You can earn three points per dollar in one of these categories of your choosing:

  • Day-to-day expenses
  • Automotive
  • Travel and entertainment

All other purchases earn one point per dollar and points are unlimited. This card has no annual fee but it does charge a foreign transaction fee, making it less than ideal for international travel. 

Read the U.S. Bank Business Select Rewards Credit Card editor's review.

Chase Ink Business Preferred

The  offers three points per dollar on the first $150,000 in combined purchases annually across these categories:

  • Travel
  • Shipping
  • Internet, cable and phone services
  • Advertising purchases made with social media sites and search engines

A great incentive to consider this card is the ability to transfer points to transfer partners through Chase Ultimate Rewards. You can get 25% more points value when using rewards to book travel. 

This card has a $95 annual fee. 

Read the Chase Ink Business Preferred Credit Card editor's review.

Capital One® Spark® Miles for Business

The  is a flat-rate travel miles card. 

All purchases earn unlimited two miles per dollar, with no caps. You can redeem miles when you want and in the amount you choose for travel. 

If you book hotels and rental cars through Capital One Travel, you can increase rewards value to five miles per dollar. There are no blackout dates or restrictions to worry about. 

Members enjoy a fee credit toward TSA PreCheck or Global Entry. The annual fee is $0 the first year, then $95 thereafter. 

Read the Capital One Spark Miles for Business Credit Card editor's review.

Business Credit Cards vs. Personal Credit Cards

Business credit cards and personal credit cards aren't the same and it's important to note key differences.

First, business cards are designed for business spending. So the rewards you can earn and the card perks are more likely to be tailored to a business owner's needs. 

Personal cards, on the other hand, have rewards and benefits that reflect how you might spend in your everyday life. 

There can also be a difference when it comes to the APR and fees you'll pay. You're less likely to find 0% balance transfer offers with business credit cards versus personal cards. 

Notably:

Personal credit cards also come with more consumer protections against fraud than business cards.

But a business credit card can be a good way to keep business and personal spending separate.

Applying for a Business Credit Card

To apply for a business credit, you'll need to complete the application. Generally, credit card companies need to know:

  • Your name and the name of your business
  • Personal and business address information
  • Social security number or tax identification number
  • Number of employees, if any
  • Your annual revenue, if any
  • Business industry
  • How long you've been in business

All of these things can be considered when trying to get a business credit card. If you don't have a lengthy business credit history, the credit card company can check your personal credit score and income instead. 

Applying for a business credit card can ding your personal credit slightly if you apply with your social security number.

But once your account is opened, it can be reported to business credit bureaus to help you build business credit history.

Final Verdict

The U.S. Bank FlexPerks Business Travel Rewards Credit Card offers a decent rewards rate on purchases, with a simplified program structure.

The $55 annual fee isn't necessarily a dealbreaker, since other travel cards may charge two or more times that. 

This card could be good for someone who wants a basic travel rewards card and doesn't mind not being able to transfer points to other travel loyalty programs.

On the other hand, if that's a feature you're interested in you may want to try a different business travel rewards option.

Continue Reading

Источник: https://www.mybanktracker.com

Fixed-rate travel rewards: U.S. Bank FlexPerks Travel Rewards Visa Signature Card review

Update: Some offers mentioned below are no longer available. View the current offers here.


The U.S. Bank FlexPerks Travel Rewards Visa Signature Card is a travel rewards card with multiple bonus-earning categories. There’s no need to worry about maximizing redemptions, because your points are worth 1.5 cents each when used toward travel. This card may be particularly appealing to those who donate to charity frequently, prefer fixed-value rewards, want to use one card for all their purchases, don’t want to pay a high annual fee and/or have lower credit. Card Rating*: ⭐⭐⭐

*Card Rating is based on the opinion of TPG’s editors and is not influenced by the card issuer.

The U.S. Bank FlexPerks Travel Rewards Visa Signature Card is one of the few cards to still offer bonus earning for charitable donations. The card also offers other interesting features. You can get reimbursed for up to $25 per round-trip air travel award ticket for baggage fees or in-flight food and drink. You earn 2x at airlines, gas stations or grocery stores — whichever you spend most on each monthly billing cycle. Let’s take a closer look at this card and who should consider adding it to their wallet.

The information for the U.S. Bank FlexPerks Travel Rewards Visa Signature Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer

In This Post

Who is this card for?

The U.S. Bank FlexPerks Travel Rewards card isn’t for everyone. But you may us bank flexperks travel rewards visa card reviews well suited for the card if you satisfy one or more of the following criteria:

  • Donate to charity frequently: A 3% return on charitable donations is one of the best returns you’ll find
  • Prefer fixed-value rewards: If you don’t want to maximize transfer partners and search for award availability, the simplicity of redeeming for travel with this card may provide value
  • Want to use one card for all purchases: Since you’ll earn 2x at airlines, gas stations or grocery stores — whichever you spend most on each monthly billing cycle — this may be a reasonable choice if you only want to use one card
  • Don’t want to pay a high annual fee: With a $49 annual fee that’s waived the first year, this travel rewards card may appeal if the skeleton key in hindi download have sticker shock at the annual fees charged by other travel rewards cards
  • Have lower credit: This card may be easier to be approved for than some other travel rewards cards, while still allowing you to earn and redeem points toward travel

You’ll only get 1.5 cents per point if you redeem those points for travel; other redemptions will provide a lower value for your points. If you already have cards that provide a similar or better earning rate for charitable donations, groceries, gas stations, airlines and everyday spending, then the U.S. Bank FlexPerks Travel Rewards card likely won’t provide much value for you.

Further reading: 7 travel rewards credit cards that pay for themselves

Sign-up bonus: As much as $375 in value

(Photo by John Gribben for The Points Guy)

The U.S. Bank FlexPerks Travel Rewards card currently offers a sign-up bonus of 25,000 FlexPoints after you spend $2,000 in eligible net purchases on your card within the first four months of account opening. These FlexPoints are worth $375 when redeemed for eligible travel including airfare, hotel stays and car rentals.

There’s a $0 introductory annual fee for the first 12 months, after which most people will need to pay a $49 annual fee. U.S. Bank Platinum Checking customers receive a second year annual fee waiver.

Main benefits and perks

One of the most impressive-sounding benefits of the U.S. Bank FlexPerks Travel Rewards card is a reimbursement for up to $25 per round-trip air travel award ticket toward baggage fees or inflight food and drinks. However, this perk has a number of restrictions:

  • You must redeem a minimum of 10,000 FlexPoints per round-trip airline award ticket
  • Charges must post to your account, under the airline carrier providing your award travel flight, between the dates of your award travel flight
  • Reimbursement is only available for FlexPoints redemptions made for airfare through the Rewards Center online or by phone — not if you purchase airfare from an airline and use real-time mobile rewards to pay for the airfare
  • Reimbursement is not automatic, so you must call to request a statement credit within 90 days of each purchase

Another primary benefit of the U.S. Bank FlexPerks Travel Rewards card is access to exclusive Visa Signature card member benefits. These benefits include Luxury Hotel Collection perks and access to the Visa Signature concierge, as well as travel and shopping benefits like purchase security, warranty manager service, auto rental collision damage waiver and travel and emergency assistance services.

Other benefits of the U.S. Bank FlexPerks Travel Rewards card include:

Further reading: U.S. Bank changing FlexPerks Rewards in 2018

How to earn points

You’ll earn FlexPoints on all purchases you make with your U.S. Bank FlexPerks Travel Rewards card. Each monthly billing cycle you’ll earn two points per dollar spent on purchases with airlines, gas stations or grocery stores. Luckily, you don’t have to choose your 2x category, as U.S. Bank will simply give you two points per dollar spent in whichever category you spend the most in during each monthly billing cycle and one point per dollar spent in the other two categories.

You’ll also earn two points per dollar spent on all purchases with cellular services providers and at charities, which makes this one of the best cards for charitable donations. To earn two points per dollar spent, the charity must classify itself as a “Charitable and Social Service Organization” when processing credit card payments.

You’ll earn one point per dollar spent everywhere else. To maximize your earnings with this card, you’ll want to use it for spending on purchases with either airlines, gas stations or grocery stores each billing cycle. But this card can work well even if you use the card for all of your purchases each billing cycle. For example, even if you normally spend more on groceries than gas or airfare, you’ll still be rewarded for your increased spending if you have a month where you buy airfare or go on a road trip and purchase a large amount of gas.

How to redeem points

You can redeem FlexPoints earned by the U.S. Bank FlexPerks Travel Rewards card in many different ways:

  • Air travel, hotel and car rental rewards
  • Merchandise rewards
  • Gift cards
  • Statement credit
  • Real-time mobile rewards

However, you’ll only get a redemption value of 1.5 cents each — the best of any redemption options — when you redeem your FlexPoints toward travel. You can redeem your FlexPoints at 1.5 cents each for airfare, hotel stays and car rentals through U.S. Bank’s Rewards Center either online or over the phone.

If you don’t want to book through U.S. Bank’s Rewards Center, you can also redeem your FlexPoints at a rate of 1.5 cents each for travel purchases made directly with U.S. merchants that are airlines, hotels, car rental companies, taxis, limousines, passenger trains and cruise lines through real-time mobile rewards. You’ll need to activate real-time mobile rewards and set up which types of purchases you’d like to be notified about before you can redeem your FlexPoints. Our friends at Million Mile Secrets have a full guide on how to activate and set-up U.S. Bank’s Real-Time Mobile Rewards.

Booking directly with merchants and then getting reimbursed can be better than booking through the Rewards Center for multiple reasons: you’ll earn FlexPoints on your purchase, you’ll have access to more rates and you can click through a shopping portal while booking. Unfortunately, the minimum purchase amount for redeeming FlexPoints through real-time mobile rewards is $500 for lodging and $250 for car rental.If you purchase airfare from an airline and use real-time mobile rewards to pay for the airfare, you also will not be eligible to receive the $25 airline allowance benefit.

Further reading: Comparing the best fixed-value point credit cards

What cards compete with the U.S. Bank Us bank flexperks travel rewards visa card reviews card?

The U.S. Bank FlexPerks Travel Rewards card doesn’t have any direct competitors, although you might assume the U.S. Bank Altitude Reserve Visa Infinite Card would be comparable. The Altitude Reserve has a much higher $400 annual fee, but a $325 annual travel credit brings the effective annual fee down to a comparable $75. The Altitude Reserve offers a number of additional benefits, but the most important difference is bonus category earning. The Altitude Reserve earns 3x points on eligible net travel purchases and mobile wallet spending. Both cards earn FlexPoints, but they have relatively little in common. See our full Altitude Reserve card review for more details.

Some cash-back cards can compete with the U.S. Bank FlexPerks Us bank flexperks travel rewards visa card reviews Rewards card. One of the closest in terms of bonus earning is the Blue Cash Preferred® Card from American Express. This card earns 6% cash back at U.S. supermarkets on up to $6,000 per year in purchases, 6% cash back on select U.S. streaming subscriptions and 3% cash back on transit and at U.S. gas stations — while only having a $0 intro annual fee for the first year, then $95 (see rates and fees). See our full Blue Cash Preferred card review for more details. Cash back is received in the form of Reward Dollars that can be redeemed for statement credits.

The Bank of America® Cash Rewards credit card is also a close cash-back competitor that doesn’t charge an annual fee. It earns 3% cash back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement/furnishings, and 2% cash back at grocery stores and wholesale clubs on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter. After that, you’ll earn 1%. Preferred Rewards members get a 25%-75% rewards bonus on every purchase. See our full card review for more details.

Finally, if you’re willing to learn to maximize Chase Ultimate Rewards points, it might be worthwhile to pair the Chase Freedom Unlimited with the Chase Sapphire Reserve or Chase Sapphire Preferred Card. In doing so, you’d get a 3% return on all non-bonus spending (based on TPG valuations) —- which is the same return you’d get from bonus categories on the U.S. Bank FlexPerks Travel Rewards card — and a 4% or 6% return on all travel and dining spending.

Further reading: The best starter travel credit cards

Bottom line

The U.S. Bank FlexPerks Travel Rewards Visa Signature Card offers the ability to earn double FlexPoints on one of three categories — airlines, gas stations or grocery stores — in which you spend most during each monthly billing cycle. Service credit union branches near me, earning double FlexPoints on charitable donations makes this card one of the best for charitable donations.

FlexPoints can be redeemed for travel at a value of 1.5 cents each, so this card can be a good option if you’ll redeem your points for travel. The U.S. Bank FlexPerks Travel Rewards card may be a particularly valuable choice if you’re unable to get accepted for other travel rewards cards, don’t want to deal with transfer partners and finding award space, or determine that the card’s bonus categories align well with categories for which you currently aren’t earning bonus points.

For rates and fees of the Blue Cash Preferred, please click here.

Featured image by John Gribben/The Points Guy.

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Welcome to The Us bank flexperks travel rewards visa card reviews Guy!

Katie Genter is a location independent digital nomad who has traveled full-time since June 2017. Her focus at TPG is points, miles, loyalty and credit cards.
Источник: https://thepointsguy.com/guide/us-bank-flexperks-travel-rewards-review/
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Источник: https://www.creditkarma.com/credit-cards/i/us-bank-flexperks-rewards-program-guide

U.S. Bank FlexPerks Business Travel Rewards Credit Card Review

U.S. Bank FlexPerks Business Travel Rewards Credit Card

Earning points with a business rewards card is great from a money-saving standpoint. Especially if you can turn points into free travel. 

The U.S. Bank FlexPerks Business Travel Rewards Credit Card offers multiple ways to earn points toward travel. This card also comes with a few other perks that raise its value. 

Though not a premium travel rewards credit card, it's still a solid option if you want a no-fuss way to earn and redeem points.

We'll review this card's features and benefits for you to consider before you apply.

U.S. Bank FlexPerks Business Select Rewards Credit Card Pros & Cons

ProsCons
  • Earn 2X points on airfare and selected everyday business purchases
  • Receive an annual fee credit when you meet a minimum spending threshold
  • Redeem rewards for travel with flexibility
  • Employee cards require you to pay an additional fee
  • No points transfer to travel partners

Bonus Rewards on Common Business Expenses

The U.S. Bank FlexPerks Business Travel Rewards Credit Card offers multiple ways to earn rewards. 

  • Earn 2X points per dollar on gas, office supplies or airlines, whatever you service credit union branches near me the most on each billing cycle
  • Earn 2X points per dollar on charitable donations to qualifying charities
  • Earn 2X points per dollar on eligible cell phone service provider purchases
  • Earn 1X point per dollar on all other purchases

This card offers flexibility, since you can earn two points per dollar on gas, office supplies or airlines without having to activate or choose any bonus categories.

U.S. Bank applies those rewards based on which category you spend the most money in each month. 

That makes it easy to rack up points consistently, even as your spending patterns change from month to month. 

So you might be spending more over business travel in the summer but shift to purchasing office supplies in the fall. Either way, you'd get the benefit of earning two points per dollar for the category with the highest spend. 

You also get rewarded with two points per dollar when you use your card to pay cell phone expenses or make charitable donations. And all other purchases earn one point per dollar. 

Points are unlimited so you have control over what you earn, based on how you spend. And that includes points earned with employee cards. 

Welcome bonus

There's also an introductory sign-up bonus, which can increase your points total for the first year. 

The bonus is on the smaller side, compared to what some other rewards cards offer. But if you qualify, it's an easy way to score extra points. 

Easily Redeem FlexPerks Points

Redeeming points earned with the U.S. Bank FlexPerks Business Travel Rewards Credit Card is simple.

You can redeem points for:

  • Air travel, hotel and car rental rewards
  • Merchandise from partner merchants
  • Gift cards
  • Statement credit
  • Real-time rewards

Real-time rewards means using your points to pay for purchases. You make the purchase, then you'll get a text notifying you that you can redeem points. You can then apply points to offset the purchase amount. 

Points value varies based on what you choose to redeem them for. Generally, you'll get the best value when using FlexPerks points for travel. 

The catch:

The points are only good for travel booked through U.S. Bank, either online or by phone.

So, you won't be able to redeem points directly with an airline or hotel. And, you can't transfer them to travel partners, the way some other business us bank flexperks travel rewards visa card reviews credit cards allow you to do.

What Else Do You Get With the Card?

The U.S. Bank FlexPerks Business Travel Rewards Credit Card offers some added perks and benefits, including:

  • $25 airline allowance on round-trip fares
  • $55 annual fee credit when you meet a minimum spending requirement
  • Auto rental collision damage waiver
  • Travel and emergency assistance services
  • Purchase security
  • Extended warranty protection
  • Discounts from partner merchants
  • Visa SavingsEdge benefits, which can you up to 15% on business purchases
  • Payment controls for employee cards

The $25 airline allowance can be applied to baggage fees or in-flight food and drinks. This reimbursement is good on round-trip air travel award tickets. 

If you spend $24,000 or more in net purchases each year, you can get a credit toward the card's $55 annual fee. That's a simple way to us bank flexperks travel rewards visa card reviews your business a little money. 

Fees

Unlike other business credit cards, this card does charge a fee for employee cards. 

You'll pay $10 per card for each authorized employee. That's something to keep in mind if you were planning to issue employee cards to help generate more spending for points. 

Compared to Other Business Credit Cards

Here's a look at how this card compares to other business rewards options. 

U.S. Bank Business Select Rewards

The U.S. Bank Business Select Rewards Credit Card gives you flexibility when earning points. You can earn three points per dollar in one of these categories of your choosing:

  • Day-to-day expenses
  • Automotive
  • Travel and entertainment

All card com customer service number purchases earn one point per dollar and points are unlimited. This card has no annual fee but it does charge a foreign transaction fee, making it less than ideal for international travel. 

Read the U.S. Bank Business Select Rewards Credit Card editor's review.

Chase Ink Business Preferred

The  offers three points per dollar on the first $150,000 in combined purchases annually across these categories:

  • Travel
  • Shipping
  • Internet, cable and phone services
  • Advertising purchases made with social media sites and search engines

A great incentive to consider this card is the ability to transfer points to transfer partners through Us bank flexperks travel rewards visa card reviews Ultimate Rewards. You can get 25% more points value when using rewards to book travel. 

This card has a $95 annual fee. 

Read the Chase Ink Business Preferred Credit Card editor's review.

Capital One® Spark® Miles for Business

The  is a flat-rate travel miles card. 

All purchases earn unlimited two miles per dollar, with no caps. You can redeem miles when you want and in the amount you choose for travel. 

If you book hotels and rental cars through Capital One Travel, you can increase rewards value to five miles per dollar. There are no blackout dates or restrictions to worry about. 

Members enjoy a fee credit toward TSA PreCheck or Global Entry. The annual fee is $0 the first year, then $95 thereafter. 

Read the Capital One Spark Miles for Business Credit Card editor's review.

Business Credit Cards vs. Personal Credit Cards

Business credit cards and personal credit cards aren't the same and it's important to note key differences.

First, business cards are designed for business spending. So the rewards you can earn and the card perks are more likely to be tailored to a business owner's needs. 

Personal cards, on the other hand, have rewards and benefits that reflect how you might spend in your everyday life. 

There can also be a difference when it comes to the APR and fees you'll pay. You're less likely to find 0% balance transfer offers with business credit cards versus personal cards. 

Notably:

Personal credit cards also come with more consumer protections against fraud than business cards.

But a business credit card can be a good way to keep business and personal spending separate.

Applying for a Business Credit Card

To apply for a business credit, you'll need to complete the application. Generally, credit card companies need to know:

  • Your name and the name of your business
  • Personal and business address information
  • Social security number or tax identification number
  • Number of employees, if any
  • Your annual revenue, if any
  • Business industry
  • How long you've been in business

All of these things can be considered when trying to get a business credit card. If you don't have a lengthy business credit history, the credit card company can check your personal credit score and income instead. 

Applying for a business credit card can ding your personal credit slightly if you apply with your social security number.

But once your account is opened, it can be reported to business credit bureaus to help you build business credit history.

Final Verdict

The U.S. Bank FlexPerks Business Travel Rewards Credit Card offers a decent rewards rate on purchases, with a simplified program structure.

The $55 annual fee isn't necessarily a dealbreaker, since other travel cards may charge two or more times that. 

This card could be good for someone who wants a basic travel rewards card and doesn't mind not being able to transfer points to other travel loyalty programs.

On the other hand, if that's a feature you're interested in you may want to try a different business travel rewards option.

Continue Reading

Источник: https://www.mybanktracker.com
  • Annual fee: $0 intro annual fee for the first year.
    After this period, the card’s annual fee reverts to $49 a year.
  • Signup bonus: 25,000 FlexPoints.
    To earn this bonus, make $2,000 in eligible purchases with your card within the first 4 months of account opening. According to U.S. Bank, these FlexPoints are worth $375, or 1.5 cents each, in travel redemptions — such as flights, car rentals and hotel stays.

    You can also redeem FlexPoints for merchandise, gift cards, live events and statement credit. Some options may not give you a 1-cent-per-point value, which is standard across the credit card industry.

  • Rewards: Up to 2x points.
    Earn 2x points each billing cycle in one of three categories you’ve spent most in: airlines, gas stations or grocery stores. Earn 2x points on spending with cellular providers and charities, and 1x points on all other eligible spending.
  • $25 airline allowance on award travel.
    When you redeem FlexPoints for an award flight, you can be credited up to $25 for eligible purchases made with the carrier during your flight dates. To request the statement credit, call U.S. Bank Cardmember Services via the number on the back of your card. You must make the request within 90 days of your purchase.
  • No foreign transaction fees.
    Use this us bank flexperks travel rewards visa card reviews to make purchases abroad with no extra fee.
  • Annual fee: $49 after the first year.
    It’s possible to offset this fee if you use the card to earn enough rewards.

While other cards may offer stronger rewards, the U.S. Bank FlexPerks® Travel Rewards® Visa Signature® Card’s offers strong travel redemption options.

If you’re not sure this card is right for you, consider other travel credit cards.

  • Look for the points in your Ach confirmation number account within six to eight weeks.

  • It’ll apply within four to six weeks for the amount of your purchase.

  • You’ll receive it as a statement credit or a deposit to your U.S. Bank savings or checking account. There’s a minimum redemption of 5,000 FlexPoints.

Avatar

Review by

Kevin Joey Chen

[email protected]

Kevin Joey Chen is a credit cards, banking and investments writer whose work and us bank flexperks travel rewards visa card reviews have appeared on CNN, U.S. News & World Report, Business.com, Lifehacker and CreditCards.com. He's passionate about helping you get your finances in order by expertly navigating cutting-edge financial tools — including credit cards, apps and budgeting software.

Expert review

The U.S. Bank FlexPerks® Travel Rewards® Visa Signature® Card offers strong rewards if you mostly spend on airlines, gas stations or grocery stores. The card’s rewards, signup bonus and FlexPoints value can also help you offset the cost of the annual fee.

However, you may earn stronger rewards with other cards if your spending largely goes to other categories or is evenly spread out.

Источник: https://www.finder.com/us-bank-flexperks-travel-rewards-visa-signature-card

REVIEW: US Bank Visa Platinum Credit Card

US Bank Visa Platinum Credit CardIf you’re looking for a solid credit card from a well-respected banking institution and lengthy introductory rate period, then this one from U.S. Bank is a great choice. Especially if you’re going to transfer over other credit card balances or make large purchases right away. The 0% for 18 month introductory rate promotion on balance transfers and purchases is better than great, and the 14.74-24.74% ongoing interest rate is pretty good too!

U.S. Bank Visa Platinum Card Highlights

0% Introductory Rate on Purchases for 18 Month – Regardless if you want to make a few expensive purchases right away or just use the card on everyday items, you won’t have to worry about paying any interest on those transaction for up to 15 months. This is better than most other credit cards, and definitely the best intro APR deal we’ve found on any U.S. Bank credit card.

0% Intro Rate on Balance Transfers for 18 Months – Individuals looking to save money on their current credit card balances should definitely consider this card because it also offers an extremely long fifteen month introductory period on balance transfers. Only a minute number of other credit cards offer a longer balance transfer introductory rate period, with even less of them offering a comparable promotional rate on both balance transfers and purchases.

Check Your Credit Score for Free with Credit Sesame!

$0 Annual Fee – Oftentimes accounts will start with a zero dollar annual fee the first year, but then charge you $50 ozk strain more from the second year going forward. Not with best home workout videos for men US Bank Visa Platinum credit card, though – it’s $0 forever!

Free Credit Score – Internet banking customers will have access to their Experian credit score. This is a really nice feature to have. Even if you’re not trying to improve your credit score, it’s extremely helpful for credit monitoring purposes too. If there’s a major change to your score you’ll be aware of it and can decide whether or not to investigate. This feature is most common with fee-based credit cards, so it’s branch banking and trust online banking real bonus to get it for ‘free’!

Why This Card Might Not Be Right for You

Rewards – Not everyone has balances to transfer over or desires an introductory interest rate on purchases. If you plan on paying off your bill each month rather than carrying a balance, then a rewards card such as the US Bank FlexPerks Travel Rewards Visa Signature credit card might be a better option for you. That way you can earn points for all of your purchases and use them to pay for groceries. If you own a business or travel significantly, you may also want to consider a card like the US Bank Bank FlexPerks Business Cash Rewards Visa credit card.

Final Thoughts

The U.S. Bank Visa Platinum credit card is ideal for consumers looking to transfer over balances or make large purchases in the near future. Current US Bank customers will find this card to be a great addition to their current U.S. banking services and everyone else should also feel good about adding it to their portfolio too. However, reward seekers who pay off their account every month might prefer a rewards card.

Have you applied for, been approved or denied for the US Bank Visa Platinum credit card recently? If so, feel free to leave a summary review of your experience in the comments below. Genuine reviews – positive or negative – will help other consumers researching this product, and are greatly appreciated by the community. If you’ve been using this card for any length my verizon fios bill pay online time, we welcome your thoughtful feedback as well.

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Posted on July 9, 2019 by Wesley LeFebvre in Credit Cards, U.S. Bank

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Hi all, new to posting but I've lurked a little bit when I wanted some personal experience with CC's. 

 

I just got an invitation in the mail for the U.S. Bank Flexperks American Express card found here - https://www.usbank.com/credit-cards/flexperks-travel-rewards-american-express-card.html  It was a targeted offer with and invitation code and the best I can tell the differences between the offer and the stardard card signup is 18 months 0% APR and I only have to spend $500 in the first 3 months to get the 20,000 bonus points.

 

Has anyone else gotten this offer?  Or oes anyone have this card?  If so, how do you like it and how easy is it to redeem the points? I haven't been able to find many reviews on the card so I figured I'd ask here.

 

I figured this one was a no brainer with the low required spending and lengthy 0% offer so I applied and I got the dreaded "you will be alerted by U.S. Mail in 7-10 days" response. Hopefully I get it because I think it will be a worthwhile card to have.

 

 

FICO score 815
Best Buy MC - $4750, Chase BP Us bank flexperks travel rewards visa card reviews - $5500, Chase Amazon Visa - $8000, Barclay Arrival World MC - $10000, Capital One Venture Visa $15000, American Express Blue Sky - $25000

Источник: https://ficoforums.myfico.com/t5/Credit-Cards/U-S-Bank-Flexperks-American-Express/td-p/3852208

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