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5X FlexPoints2

on prepaid hotels and car rentals booked directly in the FlexPerks Rewards Center

3X FlexPoints2

on dining, takeout and restaurant delivery

2X FlexPoints2

at airlines, gas stations and EV charging stations; 1X FlexPoint on all other eligible purchases

Additional benefits

Pay over time with a U.S. Bank ExtendPay® Plan.

Divide eligible purchases3 into equal monthly payments with no interest* during your chosen repayment period – just a small, fixed monthly fee.3

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TSA PreCheck® or Global Entry®

Enjoy an automatic statement credit reimbursement on the application fee for whichever program you apply for first.4

#AmexForFoodies Dining Program

Enjoy up to 20% off your bill or a free appetizer for dine-in or takeout at participating restaurants with Resy.5

Amex Offers

Amex Offers rewards you at places you like to shop, dine, travel, and more.4

Apply now
With 3X FlexPoints on dining, takeout and restaurant delivery, earn with every eligible purchase toward merchandise, gift cards, cash back or travel with your U.S. Bank FlexPerks card.

Turn takeout into travel.

Where will the FlexPerks Gold American Express Card take you? With 3X FlexPoints on dining, takeout and restaurant delivery, every purchase gets you closer to redeeming FlexPoints on merchandise, gift cards, cash back6 – or your next big adventure.

Apply now

Frequently asked questions

U.S. Bank credit score requirements vary by product. In general, our credit card products are for established credit with a credit score in the good to excellent range.

U.S. Bank ExtendPay® Plans provide a new payment option that allows you to divide eligible credit card purchases into affordable monthly payments with no interest – just a fixed monthly fee.

If your credit card account is eligible for an ExtendPay® Plan, you’ll receive a notification via email, or you’ll see ExtendPay Plan options when viewing your card account details or eligible transactions online. The only purchases eligible for an ExtendPay Plan are those that were made within 60 days prior to signing up for ExtendPay, are over $100, and are less than your purchase balance when you sign up for ExtendPay.

ExtendPay Plan eligibility may change based on your credit card account activity.

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Disclosures

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.

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

* The APR may vary, the variable APR for Purchases and Balance Transfers is $ (based on your creditworthiness). The variable APR for Cash Advances is 29.99%. Cash Advance fee: 5% of each advance amount, $10 minimum. Convenience Check fee: 3% of each check amount, $5 minimum. Cash Equivalent fee: 5% of each cash amount, $10 minimum. Balance Transfer fee: 3% of each transfer amount, $5 minimum. There is a $1 minimum interest charge where interest is due. The annual fee is $85. Foreign Transaction fee: 0% of each foreign purchase transaction or foreign ATM advance transaction in U.S. Dollars. 0% of each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency. U.S. Bank ExtendPay® Fees: A monthly fee not to exceed 1.6% of the original principal amount in a U.S. Bank ExtendPay® Plan or U.S. Bank ExtendPay® Loan. This fixed fee is disclosed upon enrollment and charged each month that you owe the applicable ExtendPay balance. ExtendPay Fees are calculated based upon the original principal amount, Purchase APR, and other factors. When you make a payment, the amount up to your Minimum Payment is applied first to the monthly payment obligation for U.S. Bank ExtendPay® Plans and U.S. Bank ExtendPay® Loans if any, and then to non-Fixed Payment Program balances in the order of the lowest to highest APR. Any amount over your Minimum Payment is applied to balances in the order of highest to lowest APR.

You authorize your wireless carrier to use or disclose information about your account and your wireless device, if available, to us or our service provider for the duration of your business relationship, solely to help us identify you or your wireless device and to prevent fraud. See our Privacy Policy for how we treat your data.

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  1. One-time 30,000 bonus FlexPoints will be awarded if you are approved for a new U.S. Bank FlexPerks Gold American Express Card and eligible Net Purchases totaling $2,000 or more are made to your account within four months from account opening. Net purchases are purchases minus credits and returns. FlexPoints are earned based on eligible net purchases. Not all transactions are eligible to earn FlexPoints, such as Advances, Balance Transfers, and Convenience Checks; upon approval, see your Cardmember Agreement for details. Please allow 6-8 weeks for your bonus FlexPoints to be credited to your FlexPerks account. You are eligible to receive one-time bonus FlexPoints for each new FlexPerks account type. Existing and previous FlexPerks accounts do not qualify for bonus FlexPoints for a similar account type. One-time bonus FlexPoints do not apply toward account upgrades. Use of the FlexPerks Gold Card is subject to terms and conditions of the FlexPerks Gold Cardmember Agreement, which may be amended from time to time. This offer may not be combined with any other bonus offer. Offer is subject to credit approval.

  2. FlexPoints are earned on eligible Net Purchases. Net Purchases are Purchases minus credits and returns. Not all transactions are eligible for FlexPoints, such as Advances, Balance Transfers and Convenience Checks. Upon approval, please refer to the materials received with your new card and the Program Rules in the online Rewards Center by logging in to usbank.com for additional information. Account must be open and in good standing (not past due) on the closing date of the billing cycle in order to earn and redeem FlexPoints. Purchases qualify for FlexPoints based on how merchants choose to classify their business and we reserve the right to determine which purchases qualify. Use of the Card is subject to terms and conditions of the U.S. Bank FlexPerks Gold American Express Cardmember Agreement, which may be amended from time to time. U.S. Bank FlexPerks Gold American Express Cardmembers will earn 1 FlexPoint for every $1 in eligible Net Purchases. In addition, you will earn 4 FlexPoints (5 FlexPoints total) for every $1 in eligible Net Purchases spent on prepaid car and hotel reservations in the online FlexPerks Rewards Center using the U.S. Bank FlexPerks Gold American Express Card. Please allow 1-2 statement billing cycles for bonus FlexPoints to appear on the credit card statement. Refer to the Rewards Center for full details. You will earn 2 FlexPoints (3 FlexPoints total) for every $1 in Net Purchases during each billing cycle for any merchant classified as a restaurant. Purchases made at a restaurant may not be recognized as a restaurant, and will not qualify for additional FlexPoints. You will earn 1 FlexPoint (2 FlexPoints total) for every $1 in Net Purchases during each billing cycle for any merchant classified as a gas station, electric vehicle charging station and for any merchant classified as an airline.

  3. From time to time we may offer to you the benefit of our ExtendPay® Plans, which allow you to pay off balances in fixed monthly payments over time and still avoid paying interest charges on new Purchases. You may designate up to 50% of your credit card line ($100 minimum) in eligible credit card purchases and pay in monthly installments with just a small fixed monthly fee. Only Purchase balances are eligible for U.S. Bank ExtendPay® Plans. Transactions identified as Advances or Balance Transfers (as defined in your Cardmember Agreement), and any interest or fees, including Annual Fee, do not apply. The only Purchases that will appear as "Eligible Purchases" in the enrollment process are Purchases that were made within 60 days prior to signing up for an ExtendPay Plan, are over $100, and are less than your Purchase balance when you sign up for an ExtendPay Plan. Any unpaid balance remaining on an ExtendPay Plan after the chosen pay-back period will be subject to the APR and minimum payment calculation for purchases outlined in the Cardmember Agreement. The monthly fixed fee will be determined when your U.S. Bank ExtendPay® Plan is created and is provided to you before you complete setting up an ExtendPay Plan. This fee will remain the same until the ExtendPay Plan is paid in full. The monthly fixed fee of the ExtendPay Plan is based upon the original principal amount, Purchase APR, and other factors.

  4. Certain terms, conditions and exclusions apply for TSA PreCheck®, Global Entry, and benefits offered through CONNECT. Please refer to usbank.com/flexperksgoldbenefits for further details. Cardmembers are eligible to receive a statement credit every 4 years for Global Entry and every 4.5 years for TSA PreCheck. Membership is subject to the TSA or Global Entry program’s terms and conditions.

  5. Terms apply. Please visit experiencesbenefits.com/us/access/diningprogram for further details and full terms and conditions.

  6. Cash back is redeemed in the form of a statement credit or a deposit made to your U.S. Bank savings or checking account (5,000 FlexPoints minimum redemption).

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The Contactless Symbol and Contactless Indicator are trademarks owned by and used with the permission of EMVCo, LLC.

The creditor and issuer of your credit card is U.S. Bank National Association, pursuant to a license from American Express. American Express is a federally registered service mark of American Express.