Frequently Asked Questions

Listed below are the most common questions asked about the FlexPerks Rewards programs.  If you need additional help, please contact Cardmember Service.

How to Apply
Please call 800.947.1444 and choose option 1 for the status of an application. For your security, you will be required to enter your social security number to locate the application. Additional verification item(s) may be needed to validate.
Once approved, you should receive your card within 7-10 business days.
Exclusive Rewards
Yes, if you make a return to your card your FlexPoints balance will reflect the deducted point value.
Learn more about managing your FlexPoints through Online Banking.
Basic Card Facts
Personal Cards
  • U.S. Bank FlexPerks Travel Rewards Visa Signature Card:  $0 introductory annual fee the first year and every year after the annual fee will be $49.
  • U.S. Bank FlexPerks Travel Rewards American Express Card: $0 introductory annual fee the first year and every year after the annual fee will be $49.

Travel Rewards Cardmembers will earn 3,500 bonus FlexPoints each cardmember year they spend $24,000. Use the FlexPoints to redeem for your $49 annual fee or combine them with other FlexPoints for award travel. The choice is yours.

Business Cards

  • U.S. Bank FlexPerks Business Edge Travel Rewards Card:  $0 introductory annual fee the first year and every year after the annual fee will be $55. The $55 annual fee will be credited back to your account if $24,000 or more in net purchases posts to your company's account within your 12-month annual statement year. You may add additional cards to your account for $10/year.
The APR is competitive for credit cards that offer rewards. You pay no interest on purchases (see terms below) when you pay your bill in full by the payment due date each month.

Personal Cards

Business Cards

You can access your Card account from any Internet-enabled computer. Learn More.
An EMV or chip-enhanced card offers increased convenience and higher security when traveling to Canada and overseas, while continuing to work with ease for payments within the U.S. This rapidly expanding technology is already in use or being implemented in 130 countries around the globe. If you’re an existing FlexPerks Travel Rewards cardholder planning a trip to Canada, Mexico or any other foreign country and your card doesn't have the EMV microchip, call the Customer Service number located above the magnetic stripe on the back of your card to request a replacement card 30 days prior to leaving on your trip.
ScoreBoard Reporting
ScoreBoard is a free online tool that allows you to monitor your FlexPerks credit card spending through the use of easy-to-read charts and graphs, helping to trend spending patterns over various time periods. ScoreBoard also offers additional reports that help you better manage your FlexPerks credit card spending overall.
ScoreBoard is FREE for all FlexPerks cardmembers that have an Online Banking account.
ScoreBoard is updated once a month, by the fifth business day.
No. ScoreBoard does not replace your current FlexPerks credit card statement.  ScoreBoard will replace the Annual Account Summary that was delivered each year through Online Banking. ScoreBoard is a supplemental tool that provides a combined overview of your credit card spending activity, plus additional reports to help manage your card spending overall.
ScoreBoard uses U.S. Bank-defined categories and only includes purchases and returns from your FlexPerks credit card. Financial management software like QuickBooks may include a broader picture of your finances.
There is a rolling 36 months’ worth of history available within ScoreBoard. Select the time periods you wish to compare through various date controls found on the Spend or Reports tab.

Yes. You can print the report in one of two ways. To print the page you are viewing, select Print from the ScoreBoard navigation bar and it will launch the print function from your browser menu. ScoreBoard will print the entire Spend or Reports page.

To download or save the Spend or Reports information available within ScoreBoard, select Download from the ScoreBoard navigation bar. Then select the format (i.e., PDF, Image, XLS [Version 2000 or later] or CSV).

To download or save a report, select a Download option from the radio buttons available in the report criteria section.

Yes. You can download the information from Scoreboard into Microsoft Excel, PDF, HTML or CSV format and then import into these systems. For information on importing data into QuickBooks, visit QuickBooks support.
ScoreBoard includes purchases and returns associated with your FlexPerks credit card.
These transaction types are excluded from your Total Spending because they may result in an overstatement of your Total Spending.
Visa® and American Express® have assigned every merchant to a specific category or classification. When you make a credit card purchase, U.S. Bank receives this classification along with information about your purchase, and we use this classification to categorize your transaction. If a merchant is a large company with many different departments, we cannot specify the department from which the item was purchased.
No. All transactions are automatically categorized based upon the U.S. Bank defined categories.
Other Benefits
Your statement is designed to make it easy to view important information on your account. Learn more.
Users that are unable to download files or view online statements should change the 'Do not Save Encrypted Pages Setting' in the Security section. To change this setting:
  1. Go to: Tools > Internet Options
  2. Select the Advanced tab
  3. Scroll down to the Security section and uncheck 'Do not Save Encrypted Pages to Disk' setting
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.

Business Cardmembers: U.S. Bank will increase your rate to a Penalty Rate if you:  1) Make payments 5 calendar days late twice, or 30 calendar days late once. 2) Make a payment that is returned; or 3) If you exceed your Credit Limit 2 times in 12 consecutive months.

 

The creditor and issuer of these cards is U.S. Bank National Association, pursuant to separate licenses from Visa U.S.A. Inc. and American Express. American Express is a federally registered service mark of American Express.

 ©2016  U.S. Bank National Association. All rights reserved.