5X FlexPoints1

on prepaid hotels and car rentals booked directly in the FlexPerks Rewards Center

3X FlexPoints1

on dining, takeout and restaurant delivery

2X FlexPoints1

at airlines, gas stations and EV charging stations; 1X FlexPoint on all other eligible purchases

Additional benefits

Pay over time with a U.S. Bank ExtendPay® Plan.

Divide eligible purchases3 into equal monthly payments with no interest* during your chosen repayment period – just a small, fixed monthly fee.3

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TSA PreCheck® or Global Entry®

Enjoy an automatic statement credit reimbursement on the application fee for whichever program you apply for first.4

#AmexForFoodies Dining Program

Enjoy up to 20% off your bill or a free appetizer for dine-in or takeout at participating restaurants with Resy.5

Amex Offers

Amex Offers rewards you at places you like to shop, dine, travel, and more.4

Apply now
With 3X FlexPoints on dining, takeout and restaurant delivery, earn with every eligible purchase toward merchandise, gift cards, cash back or travel with your U.S. Bank FlexPerks card.

Turn takeout into travel.

Where will the FlexPerks Gold American Express Card take you? With 3X FlexPoints on dining, takeout and restaurant delivery, every purchase gets you closer to redeeming FlexPoints on merchandise, gift cards, cash back6 – or your next big adventure.

Apply now

Frequently asked questions

U.S. Bank credit score requirements vary by product. In general, our credit card products are for established credit with a credit score in the good to excellent range.

U.S. Bank ExtendPay® Plans provide a payment option that allows you to divide eligible credit card purchases into affordable monthly payments with no interest* – just a fixed monthly fee.

If your credit card account is eligible for an ExtendPay Plan, you’ll receive a notification via email, or you’ll see ExtendPay Plan options when viewing your card account details or eligible transactions online. The only purchases eligible for an ExtendPay Plan are those that were made within 60 days prior to signing up for ExtendPay, are over $100, and are less than your purchase balance when you sign up for ExtendPay.

ExtendPay Plan eligibility may change based on your credit card account activity.

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Disclosures

U.S. Bank may change APRs, fees and other account terms in the future based on your experience with U.S. Bank National Association and its affiliates as provided under the Cardmember Agreement and applicable law.

Account must be open and in good standing (not past due) on the closing date of the billing cycle to earn and redeem rewards and benefits. Upon approval, please refer to your Cardmember Agreement or Rewards Program Rules in the online Rewards Center by logging into usbank.com for additional information.

* The APR may vary, the current variable APR for Purchases and Balance Transfers is $ (based on your creditworthiness). The variable APR for Cash Advances is 29.99%. Cash Advance fee: 5% of each advance amount, $10 minimum. Convenience Check fee: 3% of each check amount, $5 minimum. Cash Equivalent fee: 5% of each cash amount, $10 minimum. Balance Transfer fee: 3% of each transfer amount, $5 minimum. There is a $1 minimum interest charge where interest is due. The annual fee is $85. Foreign Transaction fee: 0% of each foreign purchase transaction or foreign ATM advance transaction in U.S. Dollars. 0% of each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency. U.S. Bank ExtendPay® Fees: A monthly fee not to exceed 1.6% of the original principal amount in a U.S. Bank ExtendPay® Plan or U.S. Bank ExtendPay® Loan. This fixed fee is disclosed upon enrollment and charged each month that you owe the applicable ExtendPay balance. ExtendPay Fees are calculated based upon the original principal amount, Purchase APR, and other factors. When you make a payment, the amount up to your Minimum Payment is applied first to the monthly payment obligation for ExtendPay Plans and ExtendPay Loans if any, and then to non-Fixed Payment Program balances in the order of the lowest to highest APR. Any amount over your Minimum Payment is applied to balances in the order of highest to lowest APR.

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  1. FlexPoints are earned on eligible Net Purchases. Net Purchases are Purchases minus credits and returns. Not all transactions are considered to be Purchases and eligible to earn rewards, such as transactions posting as Convenience Checks; Balance Transfers; Advances (including ATM withdrawals, wire transfers, traveler's checks, money orders, foreign cash transactions, betting transactions, and lottery tickets); interest charges and fees; credit insurance premiums; and transactions to (i) fund certain prepaid card products, (ii) buy currency from the U.S. Mint, or (iii) buy cash convertible items. Upon approval, please refer to the materials received with your new card and the Program Rules in the online Rewards Center by logging in to usbank.com for additional information. Account must be open and in good standing (not past due) on the closing date of the billing cycle in order to earn and redeem FlexPoints. Purchases qualify for FlexPoints based on how merchants choose to classify their business and we reserve the right to determine which purchases qualify. Use of the Card is subject to terms and conditions of the U.S. Bank FlexPerks Gold American Express Cardmember Agreement, which may be amended from time to time. U.S. Bank FlexPerks Gold American Express Cardmembers will earn 1 FlexPoint for every $1 in eligible Net Purchases. In addition, you will earn 4 FlexPoints (5 FlexPoints total) for every $1 in eligible Net Purchases spent on prepaid car and hotel reservations in the online FlexPerks Rewards Center using the U.S. Bank FlexPerks Gold American Express Card. Please allow 1-2 statement billing cycles for bonus FlexPoints to appear on the credit card statement. Refer to the Rewards Center for full details. You will earn 2 FlexPoints (3 FlexPoints total) for every $1 in Net Purchases during each billing cycle for any merchant classified as a restaurant. Purchases made at a restaurant may not be recognized as a restaurant, and will not qualify for additional FlexPoints. You will earn 1 FlexPoint (2 FlexPoints total) for every $1 in Net Purchases during each billing cycle for any merchant classified as a gas station, electric vehicle charging station and for any merchant classified as an airline.

  2. By clicking Apply, you authorize your wireless carrier to use or disclose information about your account and your wireless device, if available, to us or our service provider for the duration of your business relationship, solely to help us identify you or your wireless device and to prevent fraud. See our Privacy Policy for how we treat your data.

  3. From time to time we may offer to you the benefit of our U.S. Bank ExtendPay® Plans, which allow you to pay off balances in fixed monthly payments over time and still avoid paying interest charges on new Purchases. You may designate up to 50% of your credit card line ($100 minimum) in eligible credit card purchases and pay in monthly installments with just a small fixed monthly fee. Only Purchase balances are eligible for  ExtendPayPlans. Transactions identified as Advances or Balance Transfers (as defined in your Cardmember Agreement), and any interest or fees, including Annual Fee, do not apply. The only Purchases that will appear as "Eligible Purchases" in the enrollment process are Purchases that were made within 60 days prior to signing up for an ExtendPay Plan, are over $100, and are less than your Purchase balance when you sign up for an ExtendPay Plan. Any unpaid balance remaining on an ExtendPay Plan after the chosen pay-back period will be subject to the APR and minimum payment calculation for purchases outlined in the Cardmember Agreement.

  4. Certain terms, conditions and exclusions apply. Receive either a statement credit every 4 years after you apply for Global Entry ($100) or a statement credit every 4.5 years after you apply for a five-year membership for TSA PreCheck® (up to $85 through a TSA PreCheck official enrollment provider) and pay the application fee with your FlexPerks Gold Card. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck. Each Additional Card on eligible Card accounts is also eligible for one statement credit for an application fee for a five-year membership every 4 years for Global Entry or every 4.5 years for TSA PreCheck. To receive the statement credit, the application fee must be charged on the eligible Additional Card. Please refer to the Card Benefit Site for further details or view the Guide to Benefits for full terms and conditions.

  5. Terms apply. Please visit experiencesbenefits.com/us/access/diningprogram for further details and full terms and conditions.

  6. Cash back is redeemed in the form of a statement credit or a deposit made to your U.S. Bank savings or checking account (2,500 FlexPoints minimum redemption).

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The Contactless Symbol and Contactless Indicator are trademarks owned by and used with the permission of EMVCo, LLC.

The creditor and issuer of your credit card is U.S. Bank National Association, pursuant to a license from American Express. American Express is a federally registered service mark of American Express.