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
  • Click to Show/Hide How can I check the status of my application?
  • 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.

Exclusive Rewards

Basic Card Facts
  • Click to Show/Hide Is there an Annual Fee with the card?
  • 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.
  • Click to Show/Hide What is Chip-enhanced Technology and do I need it?
  • 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
  • Click to Show/Hide What is ScoreBoard?
  • 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.
  • Click to Show/Hide Can I print, download or save the information available through ScoreBoard?
  • 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.

  • Click to Show/Hide How is U.S. Bank able to categorize card transactions into Market Segments and Industries?
  • 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.

Other Benefits

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.