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Benefits and Rewards

Get the most from your card.

U.S. Bank FlexPerks® Gold
American Express® Card
  • Earn Rewards

    FlexPoints add up quickly.

    • Earn 3X FlexPoints at restaurants.3
    • Earn 2X FlexPoints at gas stations and at airlines.2
    • Earn 1X FlexPoint for every $1 spent in eligible net purchases everywhere else.1

    Featured Benefits:

    • Global Entry or TSA Precheck automatic statement credit reimbursement for whichever program you enroll in first.4 Enjoy expedited travel screening at dozens of airports.
    • Complimentary Boingo Wi-Fi membership to stay digitally connected worldwide at over 1 million hotspots.4
    • Global Dining Program featuring exclusive savings and complimentary benefits at leading restaurants around the world when you book reservations and pay with your Card.4

    Learn more about these benefits and other offers at amexconnect.com/flexperksgold under “Your Card Benefits” for further details.

    Important:

    • FlexPoints expire five years from the end of the calendar quarter in which they were earned.5
    • The account must be open and in good standing to earn and redeem rewards.

    Log In to My Rewards

  • Redeem Rewards

    • Travel –25,000 FlexPoints can be redeemed for $375 in airfare, hotel stays, car rentals and more.
    • Brand Name Merchandise & Gift Cards - Starting at 1,000 points.
    • Cash Back – Deposit into your U.S. Bank checking or savings account or in the form of a statement credit to your FlexPerks Gold Card account.

    How to redeem rewards:

    • Log in to Online Banking.
    • Under the “My Accounts” tab, select “My Rewards.”
    • Click “Redeem Rewards” to start redeeming.

    Or Contact Us to reach Cardmember Service.

    Important:

    • FlexPoints expire five years from the end of the calendar quarter in which they were earned.5
    • The account must be open and in good standing to earn and redeem rewards.

    Log In to My Rewards

  • Travel Benefits

    $25 Airline Allowance

    Cardmembers may receive up to a $25 airline allowance with each redeemed round-trip airline award travel ticket toward baggage fees and other qualified ‘inflight’ purchases.7

    No Foreign Transaction Fees

    Pay no foreign transaction fees when you use your card for purchases made outside the United States. See your Cardmember Agreement for further information about the fees associated with your credit card account.

    See Terms and Conditions

    Car Rental Loss and Damage Insurance

    Receive Auto Rental coverage by charging your entire rental transaction amount to your eligible card and declining the extra collision insurance (or loss damage waiver) from the rental company. If your rental car is damaged or stolen while you’re traveling, you can be covered! It’s your ticket to significant savings and increased peace of mind. Certain terms, conditions, and exclusions may apply.8

    Call 855-327-1424 for additional details to determine if this coverage is right for you or call 855-231-2867 to make a claim.

    Travel Accident Insurance

    Use your eligible credit card to purchase travel fares on common carriers (train, plane, bus, or ship) and receive automatic Accidental Death and Dismemberment Insurance for you and your family. Certain terms, restrictions, and exclusions may apply.8

    Contact Us or call the number on the back of your card to learn more.

    Travel and Emergency Assistance Services

    Enjoy your trip knowing you have a wide range of emergency services available 24 hours a day when you are away from home. Get help coordinating medical, legal, and travel services when you need them. You are responsible for the cost of any actual medical, legal, transportation, cash advance, or other goods or services provided. Certain terms, conditions, and exclusions may apply.8

    Call 855-327-1424 to learn more.

    Lost Luggage Reimbursement

    Enjoy greater peace of mind when you travel. If your checked or carry-on luggage and its contents are lost due to theft or misdirection by the common carrier, you can get reimbursed. Certain terms, conditions, and exclusions may apply.8

    Call 855-327-1424 to learn more or call 855-231-2867 to make a claim.

    Roadside Assistance

    Get emergency roadside assistance with services like towing, fuel delivery, and more by calling 855-327-1424. Tell the operator where you are, what the problem is, and the operator will arrange a dispatch to a reliable tow operator or locksmith to provide help. The operator will let you know the name of the local tow operator or locksmith being sent to assist you. Cardmembers are responsible for any service fees. Certain terms, conditions, and exclusions may apply.8

  • Shopping Benefits

    Concierge Services

    Enjoy personalized assistance with restaurant and travel reservations, event tickets, gift arrangements, business services, and more. Cardholders are responsible for the cost of any goods or services purchased. Certain terms, conditions, and exclusions may apply.8

    Call 800-701-7151 to talk with Concierge Services now.

    Retail Protection

    Protect your credit card purchases in case of theft or damage due to a covered reason for the first 90 days from the date of purchase. Retail Protection will replace, repair, or reimburse your eligible items of personal property purchased entirely with your eligible credit card. Certain terms, conditions, and exclusions may apply.8

    Call 855-327-1424 to learn more or call 800-840-9223 to make a claim.

    Extended Warranty Protection

    Double the time period of the original manufacturer’s written U.S. warranty up to one (1) additional year on warranties of one (1) year or less – up to a maximum of ten thousand dollars ($10,000) per claim. The eligible item must have been purchased with your eligible credit card. Certain terms, conditions, and exclusions may apply.8

    Call 855-327-1424 to learn more or call 800-840-9223 to make a claim.

    CONNECT from American Express

    Enjoy access to special packages, discounts, offers, upgrades, and events in these categories: Travel, Entertainment, Fine Wine and Food, Sports, and Shopping.4

    View Offers

  • Service Benefits

    24/7 U.S.-Based Customer Service

    We have dedicated specialists available 24/7 to assist you with any questions about your account.

    Contact Us or call the number on the back of your card.

    Fraud Protection

    We have sophisticated fraud-monitoring tools that look for abnormal spending patterns. If we see something unusual, we move fast to keep your card and your account information safe.

    Your account is also protected with zero fraud liability, which means you’ll get reimbursed for 100% of fraud losses due to unauthorized use of your account. Please notify U.S. Bank promptly of any unauthorized use. Certain conditions and limitations may apply.

    Learn More

    Chip Technology

    Your credit card is embedded with a microchip that adds an additional layer of security to your traditional magnetic stripe card. It turns cardmember information into a unique code that is virtually impossible to duplicate or copy when used at a chip-enabled terminal. If the merchant has a chip terminal, they will ask you to simply insert your card into the terminal and sign your name to verify your purchase. At merchants who are not equipped with chip terminals, swipe your card and sign your name as usual.

    Learn More

    Online and Mobile Account Access

    View your account balance, pay your credit card, set up account alerts, and more.

    Online Banking      Mobile Banking

    Free TransUnion® Credit Score

    Cardmembers enrolled in Online Banking can obtain their TransUnion® Credit Score at no cost. This tool tracks your score over time, shows you how certain credit actions can impact your score and provides helpful information on how to maintain good financial health. This credit score is for educational purposes and is not used by U.S. Bank to make credit decisions. Simply log in and click “Check My Credit Score for Free.”

    Log In to Online Banking

    FlexControl™ Budgeting Tools

    You know best how to manage your money, which is why FlexControl™ from U.S. Bank offers free credit card management tools that help you avoid interest and late fees. We provide automatic payment tools that give you the flexibility to pay off everyday purchases in full, accelerate payments to help pay down a balance faster, or pay off larger purchases over time. You can also set up account alerts and choose your payment due date.

    Learn More

    Cardmember Agreement Quick Guide

    It’s important to be familiar with the rules and understand how your card works. Check out this cardmember agreement overview and get answers to common cardmember agreement questions. Learn how to avoid interest on purchases, understand the different types of account charges, request a copy of your credit card agreement, and more.

    Learn More

    Credit Wellness Center

    Maintaining good credit makes life easier in a variety of ways. At the Credit Wellness Center, you can get answers to important credit questions such as:

    • What is a credit score?
    • How are credit scores calculated?
    • Why does credit matter?
    • How can I improve my credit score?

    Learn More

    Identity Theft Expense Reimbursement

    If you experience an identity theft event, expenses you incur to restore your identity can be reimbursed. Covered costs include re-filing applications for loans, grants, notarizing affidavits or other similar documents, long distance telephone calls and more. Certain terms, conditions, and exclusions may apply.8

    Call 855-327-1424 to learn more or 855-231-2867 to make a claim.

    Spend Analysis Online Reporting

    Our Spend Analysis online reporting tool makes tracking and monitoring expenses easy.

    • View a chart showing your spending information at a glance.
      • Monitor transactions in your top spend categories, such as Automotive, Food or Travel.
      • Review transactions monthly, quarterly or annually.
    • Download an easy to read Annual Account Summary (PDF format).

    Simply log in to Online Banking, select your credit card and click “Spend Analysis.”

  • Additional Perks

    Exclusive Benefits

    • National Car Rental®, Enterprise Rent-A-Car® and Alamo® Rent A Car Discounts:  Shop rates with our 3 preferred car rental partners. Plus, take advantage of additional offers!9
    • Andrew Harper Membership: Complimentary access to Andrew Harper, one of the travel industry’s most exclusive membership communities.10
    • Visit the FlexPerks Card Benefit Site to learn more about exclusive cardmember benefits.

    Combine Earned FlexPoints into a Single Account

    If you have more than one FlexPerks credit card with more than one loyalty number, you can combine all your FlexPoints to go to one loyalty number.

    Contact Us to learn more.

    Transfer FlexPoints with No Fee or Cost

    If you want to transfer FlexPoints to another person, you can do that at no cost.

    • Log in to Online Banking and select “My Rewards” under the “My Accounts” tab.
    • Click “Redeem Rewards” to enter the Reward Center.
    • Select “Manage Points” and then click the “Transfer Points” tab.

    Important: You will need the person’s FlexPoints Number or FlexPerks Account Number.

    Earn Frequent Flyer Miles

    Earn frequent flyer miles on the airline you fly for your award travel flight. You must be a member of the airline’s frequent flyer program.