U.S. Bank FlexPerks® Travel Rewards American Express®
The U.S. Bank FlexPerks® Travel Rewards American Express® from U.S. Bank earns up to 2% effective value on dining in Madeen's catalog snapshot. Its annual fee is $49. Madeen compares this card against the cards you already carry — no bank login required.
- Top category
- Dining
- Effective value
- 2%
- Annual fee
- $49
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Madeen compares public issuer terms with its card-rule catalog. Issuer pages control rewards, fees, benefits, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice.
What does the U.S. Bank FlexPerks Travel Rewards American Express earn in each category?
Dining is the strongest category at 2% effective value (2x points at about 1 cents each). That dining rate ranks higher than about 29% of the 1,547 cards we track in that category. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Dining is the strongest category at 2% effective value (2x points at about 1 cents each). That dining rate ranks higher than about 29% of the 1,547 cards we track in that category.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 2x points | 2% Top category |
| Grocery Supermarkets and grocery stores | 2x points | 2% |
| Gas Gas stations and fuel | 2x points | 2% |
| Travel Flights, hotels, transit | 2x points | 2% |
| Other General everyday spend | 1x points | 1% |
Madeen values U.S. Bank FlexPoints at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
What are the U.S. Bank FlexPerks Travel Rewards American Express reward caps and conditions?
The U.S. Bank FlexPerks Travel Rewards American Express has 3 notable cap or condition rule(s) in Madeen's catalog, including activation windows, spend limits, and category exclusions. Review each bullet below before assuming unlimited earn rates. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- 2X on airlines, gas stations and EV charging stations or grocery stores - whichever you spend most on each monthly billing cycle
- 2X on dining, takeout and restaurant delivery
- 2X at gas stations
Who should get the U.S. Bank FlexPerks Travel Rewards American Express?
The U.S. Bank FlexPerks Travel Rewards American Express fits spenders who put meaningful volume in dining and can earn 2x points. Best for spenders who put meaningful volume in dining and can earn 2x points. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
U.S. Bank FlexPerks Travel Rewards American Express fits spenders who put meaningful volume in dining and can earn 2x points. Madeen ranks its dining effective rate higher than about 29% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 2x points.
Compare it against simpler no-fee cards if you want minimum complexity.
Best for dining-heavy spend when the $49 fee fits your usage; confirm issuer terms before applying. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Pros
- Strongest Madeen category is dining at about 2% effective (2x points).
- No foreign transaction fee listed.
Cons
- $49 annual fee requires enough spend in bonus categories to offset.
- Multiple caps, activations, or exclusions may limit headline earn rates.
- U.S. Bank FlexPoints value depends on how you redeem, not straight cash back.
Does the U.S. Bank FlexPerks Travel Rewards American Express have an annual fee, and what's the welcome bonus?
The U.S. Bank FlexPerks Travel Rewards American Express has an annual fee of $49 and a foreign transaction fee of None. Issuer pages control fees and offers; Madeen labels this as catalog analysis, not issuer-confirmed terms. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- Annual fee
- $49
- Foreign transaction fee
- None
What benefits come with the U.S. Bank FlexPerks Travel Rewards American Express?
The U.S. Bank FlexPerks Travel Rewards American Express includes Car Rental Loss and Damage Insurance, Extended Warranty, Global Hotel Collection in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- Car Rental Loss and Damage Insurance
Coverage is provided in excess of other insurances against damage or loss to a rental vehicle in the USA and Canada. Coverage applies when the entire rental fee is charged to your Card.
- Extended Warranty
For eligible products purchased entirely with Card, Extended Warranty doubles the original manufacturer's (or U.S. store brand) warranty of 1 year or less.
- Global Hotel Collection
Enjoy complimentary benefits and value-added amenities at more than 3,000 of the world’s most luxurious hotels. Through our partnerships with the world’s best hotels, you have access to benefits such as complimentary breakfast daily, hotel credits to be used towards the spa and food & beverage outlets, early check-in*, late checkout*, and a complimentary room upgrade*.
- Lost Luggage Insurance
Coverage is provided in excess of other insurances, for the emergency purchase of essential items resulting due to a travel inconvenience caused by lost baggage. Coverage applies to common carrier travel where the entire cost of the ticket was purchased with the Card.
- Private Homes and Villas
Enjoy bespoke amenities and tailored experiences when you book a private home or villa, available in world-class cities and off-the-beaten-path destinations around the world.
- Retail Protection
Provides coverage for many items you purchase entirely with your Card if items are damaged or stolen within 90 days from the date of purchase. Coverage is limited to a maximum of $1,000 per loss.
- Roadside Assistance
Enables Covered Cardmembers to obtain dispatch service for roadside assistance, towing and transport if the Covered Person’s Vehicle becomes unusable while traveling, Vehicle replacement while the Covered Person’s car is being repaired, a replacement driver if the Covered Person becomes medically unfit to drive during a trip, continuation of journey or return home if the Covered Person’s Vehicle is lost or unusable.
- Travel Accident Insurance
Provides accidental death or dismemberment insurance while traveling on a common carrier, (plane, train, ship or bus) when the entire fare is charged to your Card. Travel Accident Insurance provides coverage up to $1,000,000.
Common questions about the U.S. Bank FlexPerks Travel Rewards American Express
Does the U.S. Bank FlexPerks Travel Rewards American Express have an annual fee?
The U.S. Bank FlexPerks Travel Rewards American Express carries an annual fee of $49 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the U.S. Bank FlexPerks Travel Rewards American Express?
Dining is the strongest Madeen category for the U.S. Bank FlexPerks Travel Rewards American Express at about 2% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the U.S. Bank FlexPerks Travel Rewards American Express charge foreign transaction fees?
The U.S. Bank FlexPerks Travel Rewards American Express does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Is the U.S. Bank FlexPerks Travel Rewards American Express annual fee worth it?
Whether the $49 annual fee pays off depends on how much you spend in dining and whether you use the card's benefits. Madeen compares effective rates across the cards you already carry without bank login. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What credit score do you need for the U.S. Bank FlexPerks Travel Rewards American Express?
Madeen's catalog lists a typical credit range of Good for the U.S. Bank FlexPerks Travel Rewards American Express. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How do you redeem rewards on the U.S. Bank FlexPerks Travel Rewards American Express?
Rewards on the U.S. Bank FlexPerks Travel Rewards American Express post as U.S. Bank FlexPoints. Redemption value depends on how you use U.S. Bank FlexPoints (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations.
How does the U.S. Bank FlexPerks Travel Rewards American Express compare to similar cards?
Compare the U.S. Bank FlexPerks Travel Rewards American Express against U.S. Bank Altitude Go Visa Signature (4% on Dining, $0 fee); SKYPASS Select Visa Signature (3.2% on Dining, $450 fee); SKYPASS Visa Signature (3.2% on Dining, $99 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
U.S. Bank FlexPerks Travel Rewards American Express This card | Dining | 2% | $49 |
U.S. Bank | Dining | 4% | $0 |
U.S. Bank | Dining | 3.2% | $450 |
U.S. Bank | Dining | 3.2% | $99 |
U.S. Bank | Dining | 3.2% | $99 |
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