U.S. Bank FlexPerks® Gold American Express®
U.S. Bank and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of U.S. Bank. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
How we calculate effective rate →
The U.S. Bank FlexPerks® Gold American Express® from U.S. Bank earns up to 3% effective value on dining in Madeen's catalog snapshot. Its annual fee is $85.
- Top category
- Dining
- Effective value
- 3%
- Annual fee
- $85
Best for dining-heavy spend when the $85 fee fits your usage; confirm issuer terms before applying. Best for spenders who put meaningful volume in dining and can earn 3% back. Travel perks may add value beyond the earn rate.
What does the U.S. Bank FlexPerks Gold American Express earn in each category?
Dining is the strongest category at 3% effective value (3% back). That dining rate ranks higher than about 81% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how U.S. Bank FlexPerks Gold American Express compares across dining, grocery, gas, travel, and other spend. Catalog spend signals highlight coffee at 3x among.
Dining is the strongest category at 3% effective value (3% back). That dining rate ranks higher than about 81% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how U.S. Bank FlexPerks Gold American Express compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 3% back | 3% Top category |
| Grocery Supermarkets and grocery stores | 1% back | 1% |
| Gas Gas stations and fuel | 2% back | 2% |
| Travel Flights, hotels, transit | 2% back | 2% |
| Other General everyday spend | 1% back | 1% |
Madeen values cash back at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
What are the U.S. Bank FlexPerks Gold American Express reward caps and conditions?
The U.S. Bank FlexPerks Gold American Express has 3 notable cap or condition rule(s) in Madeen's catalog, including activation windows, spend limits, and category exclusions. Review each bullet below before assuming unlimited earn rates.
- 2X FlexPoints at airlines
- 3X FlexPoints on dining, takeout and restaurant delivery
- 2X FlexPoints at gas stations and EV charging stations
Who should get the U.S. Bank FlexPerks Gold American Express?
The U.S. Bank FlexPerks Gold American Express fits spenders who put meaningful volume in dining and can earn 3% back. Best for spenders who put meaningful volume in dining and can earn 3% back. Travel perks may add value beyond the earn rate.
U.S. Bank FlexPerks Gold American Express fits spenders who put meaningful volume in dining and can earn 3% back. Madeen ranks its dining effective rate higher than about 81% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 3% back. Travel perks may add value beyond the earn rate.
Compare it against simpler no-fee cards if you want minimum complexity.
Best for dining-heavy spend when the $85 fee fits your usage; confirm issuer terms before applying.
Pros
- Strongest Madeen category is dining at about 3% effective (3% back).
- That dining rate ranks higher than about 81% of cards we track in the category.
- No foreign transaction fee listed.
- Includes travel or statement credits in our benefits snapshot.
Cons
- $85 annual fee requires enough spend in bonus categories to offset.
- Multiple caps, activations, or exclusions may limit headline earn rates.
Does the U.S. Bank FlexPerks Gold American Express have an annual fee?
The U.S. Bank FlexPerks Gold American Express has an annual fee of $85 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $85
- Foreign transaction fee
- None
What travel perks does the U.S. Bank FlexPerks Gold American Express include?
The U.S. Bank FlexPerks Gold American Express includes Trusted traveler credit, Pay over time with a U.S. Bank ExtendPay® Plan., TSA PreCheck® or Global Entry® in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Trusted traveler credit
$120 TSA Precheck or Global Entry statement credit every four years
What benefits come with the U.S. Bank FlexPerks Gold American Express?
TSA PreCheck® or Global Entry®
$120/yrEnjoy an automatic statement credit reimbursement on the application fee for whichever program you apply for first.
Pay over time with a U.S. Bank ExtendPay® Plan.
$25/yrDivide eligible purchases into equal monthly payments with no interest during your chosen repayment period – just a small, fixed monthly fee.
Related encyclopedia topics
Common questions about the U.S. Bank FlexPerks Gold American Express
Where do cardholders spend most with the U.S. Bank FlexPerks Gold American Express?
Madeen's RewardsCC catalog snapshot shows the strongest bonus categories on coffee (3x), fast food (3x), other food and drink (3x) for the U.S. Bank FlexPerks Gold American Express. These are anonymized issuer category signals, not individual cardholder transactions. Route everyday spend through categories that match your habits, then compare effective rates with Madeen at checkout.
Does the U.S. Bank FlexPerks Gold American Express have an annual fee?
The U.S. Bank FlexPerks Gold American Express carries an annual fee of $85 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the U.S. Bank FlexPerks Gold American Express?
Dining is the strongest Madeen category for the U.S. Bank FlexPerks Gold American Express at about 3% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the U.S. Bank FlexPerks Gold American Express charge foreign transaction fees?
The U.S. Bank FlexPerks Gold American Express does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees.
Is the U.S. Bank FlexPerks Gold American Express annual fee worth it?
Whether the $85 annual fee pays off depends on how much you spend in dining and whether you use the card's benefits. Compare effective rates across the cards you already carry in Madeen.
What credit score do you need for the U.S. Bank FlexPerks Gold American Express?
Madeen's catalog lists a typical credit range of Excellent for the U.S. Bank FlexPerks Gold American Express. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How does the U.S. Bank FlexPerks Gold American Express compare to similar cards?
Compare the U.S. Bank FlexPerks Gold American Express against U.S. Bank Altitude Go Visa Signature (4% on Dining, $0 fee); SKYPASS Select Visa Signature (3.2% on Dining, $450 fee); SKYPASS Visa Signature (3.2% on Dining, $99 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
U.S. Bank FlexPerks Gold American Express This card | Dining | 3% | $85 |
U.S. Bank | Dining | 4% | $0 |
| Dining | 3.2% | $450 | |
| Dining | 3.2% | $99 | |
U.S. Bank | Dining | 3.2% | $99 |
Side-by-side comparisons
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U.S. Bank and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of U.S. Bank. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure