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 Gold American Express Card: $85 each year.
  • U.S. Bank FlexPerks Select+ American Express Card: No annual fee

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 cardholder planning a trip to Canada, Mexico or any other foreign country and your card doesn't have the EMV microchip, call the Cardmember 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.
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.

 ©2017  U.S. Bank National Association. All rights reserved.

Account must be open and in good standing to earn and redeem rewards and benefits. Upon approval, please refer to the Program Rules and Cardmember Agreement for additional information.