U.S. Bank FlexPerks® Travel Rewards 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® Travel Rewards American Express® from U.S. Bank earns up to 2% effective value on dining in Madeen's catalog snapshot. Its annual fee is $49.
- Top category
- Dining
- Effective value
- 2%
- Annual fee
- $49
Best for dining-heavy spend when the $49 fee fits your usage; confirm issuer terms before applying. Best for spenders who put meaningful volume in dining and can earn 2% back.
What does the U.S. Bank FlexPerks Travel Rewards American Express earn in each category?
Dining is the strongest category at 2% effective value (2% back). That dining rate ranks higher than about 59% 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 Travel Rewards American Express compares across dining, grocery, gas, travel, and other spend. Catalog spend signals highlight coffee at 2x.
Dining is the strongest category at 2% effective value (2% back). That dining rate ranks higher than about 59% 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 Travel Rewards American Express compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 2% back | 2% Top category |
| Grocery Supermarkets and grocery stores | 2% back | 2% |
| 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 Travel Rewards American Express reward caps and conditions?
The U.S. Bank FlexPerks Travel Rewards 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 on airlines, gas stations and EV charging stations or grocery stores - whichever you spend most on each monthly billing cycle
- 2X on dining, takeout and restaurant delivery
- 2X at gas stations
Who should get the U.S. Bank FlexPerks Travel Rewards American Express?
The U.S. Bank FlexPerks Travel Rewards American Express fits spenders who put meaningful volume in dining and can earn 2% back. Best for spenders who put meaningful volume in dining and can earn 2% back.
U.S. Bank FlexPerks Travel Rewards American Express fits spenders who put meaningful volume in dining and can earn 2% back. Madeen ranks its dining effective rate higher than about 59% 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 2% back.
Compare it against simpler no-fee cards if you want minimum complexity.
Best for dining-heavy spend when the $49 fee fits your usage; confirm issuer terms before applying.
Pros
- Strongest Madeen category is dining at about 2% effective (2% back).
- No foreign transaction fee listed.
Cons
- $49 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 Travel Rewards American Express have an annual fee?
The U.S. Bank FlexPerks Travel Rewards American Express has an annual fee of $49 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $49
- Foreign transaction fee
- None
What benefits come with the U.S. Bank FlexPerks Travel Rewards American Express?
The U.S. Bank FlexPerks Travel Rewards American Express includes Car Rental Loss and Damage Insurance, Extended Warranty, Global Hotel Collection in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Extended Warranty
$10,000/yrFor eligible products purchased entirely with Card, Extended Warranty doubles the original manufacturer's (or U.S. store brand) warranty of 1 year or less.
Travel Accident Insurance
$3,000/yrProvides accidental death or dismemberment insurance while traveling on a common carrier, (plane, train, ship or bus) when the entire fare is charged to your Card. Travel Accident Insurance provides coverage up to $1,000,000.
Roadside Assistance
$50/yrEnables Covered Cardmembers to obtain dispatch service for roadside assistance, towing and transport if the Covered Person’s Vehicle becomes unusable while traveling, Vehicle replacement while the Covered Person’s car is being repaired, a replacement driver if the Covered Person becomes medically unfit to drive during a trip, continuation of journey or return home if the Covered Person’s Vehicle is lost or unusable.
Car Rental Loss and Damage Insurance
$40/yrCoverage is provided in excess of other insurances against damage or loss to a rental vehicle in the USA and Canada. Coverage applies when the entire rental fee is charged to your Card.
Lost Luggage Insurance
$35/yrCoverage is provided in excess of other insurances, for the emergency purchase of essential items resulting due to a travel inconvenience caused by lost baggage. Coverage applies to common carrier travel where the entire cost of the ticket was purchased with the Card.
Retail Protection
$25/yrProvides coverage for many items you purchase entirely with your Card if items are damaged or stolen within 90 days from the date of purchase. Coverage is limited to a maximum of $1,000 per loss.
Global Hotel Collection
Enjoy complimentary benefits and value-added amenities at more than 3,000 of the world’s most luxurious hotels. Through our partnerships with the world’s best hotels, you have access to benefits such as complimentary breakfast daily, hotel credits to be used towards the spa and food & beverage outlets, early check-in*, late checkout*, and a complimentary room upgrade*.
Private Homes and Villas
Enjoy bespoke amenities and tailored experiences when you book a private home or villa, available in world-class cities and off-the-beaten-path destinations around the world.
Related encyclopedia topics
Common questions about the U.S. Bank FlexPerks Travel Rewards American Express
Where do cardholders spend most with the U.S. Bank FlexPerks Travel Rewards American Express?
Madeen's RewardsCC catalog snapshot shows the strongest bonus categories on coffee (2x), fast food (2x), groceries (2x) for the U.S. Bank FlexPerks Travel Rewards 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 Travel Rewards American Express have an annual fee?
The U.S. Bank FlexPerks Travel Rewards American Express carries an annual fee of $49 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 Travel Rewards American Express?
Dining is the strongest Madeen category for the U.S. Bank FlexPerks Travel Rewards American Express at about 2% 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 Travel Rewards American Express charge foreign transaction fees?
The U.S. Bank FlexPerks Travel Rewards 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 Travel Rewards American Express annual fee worth it?
Whether the $49 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 Travel Rewards American Express?
Madeen's catalog lists a typical credit range of Good for the U.S. Bank FlexPerks Travel Rewards American Express. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How does the U.S. Bank FlexPerks Travel Rewards American Express compare to similar cards?
Compare the U.S. Bank FlexPerks Travel Rewards 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 Travel Rewards American Express This card | Dining | 2% | $49 |
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
Store-specific guides
Madeen publishes merchant guides that rank cards for specific stores and services. Browse guides for dining spend to see which cards win at checkout.
Related Madeen guides
Related cards
See how this card ranks in your wallet
Madeen compares the cards you already carry for dining, groceries, gas, travel, and everyday purchases — free, no bank login required.
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