Card comparison
Which card is better between SKYPASS Select Visa Signature and U.S. Bank FlexPerks Gold American Express?
SKYPASS Select Visa Signature is the better overall pick over U.S. Bank FlexPerks Gold American Express because it leads on Madeen's weighted scorecard (72 vs 28) across categories, bonus, benefits, and fee.
Effective rate SKYPASS Select Visa Signature
Annual fee U.S. Bank FlexPerks Gold American Express
Welcome bonus SKYPASS Select Visa Signature
Benefits value SKYPASS Select Visa Signature
SKYPASS Select Visa Signature is the stronger overall pick between SKYPASS Select Visa Signature and U.S. Bank FlexPerks Gold American Express because it leads on Madeen's weighted scorecard (72 vs 28) across categories, bonus, benefits, and fee. SKYPASS Select Visa Signature (3.2% top effective rate) vs U.S. Bank FlexPerks Gold American Express (3%): Madeen's catalog compares fees vs fees across dining, grocery, gas, and travel — not just headline categories.
Choose A if
Choose SKYPASS Select Visa Signature when its strongest categories, bonus, or perks match how you actually spend.
Choose B if
Choose U.S. Bank FlexPerks Gold American Express when the fee, welcome bonus, or issuer ecosystem fits better than the headline winner.
Full comparison
How do SKYPASS Select Visa Signature and U.S. Bank FlexPerks Gold American Express compare across all spend categories?
Across all five spend categories, SKYPASS Select Visa Signature and U.S. Bank FlexPerks Gold American Express trade wins row by row. SKYPASS Select Visa Signature peaks at 3.2% effective; U.S. Bank FlexPerks Gold American Express peaks at 3%. SKYPASS Select Visa Signature wins the headline effective-rate view in this pair.
| Category / metric | SKYPASS Select Visa Signature | U.S. Bank FlexPerks Gold American Express | Winner |
|---|---|---|---|
| Dining | 2x miles (3.2%) | 3% back (3%) | SKYPASS Select Visa Signature · 0.2 pts |
| Grocery | 1x miles (1.6%) | 1% back (1%) | SKYPASS Select Visa Signature · 0.6 pts |
| Gas | 1x miles (1.6%) | 2% back (2%) | U.S. Bank FlexPerks Gold American Express · 0.4 pts |
| Travel | 2x miles (3.2%) | 2% back (2%) | SKYPASS Select Visa Signature · 1.2 pts |
| Other | 1x miles (1.6%) | 1% back (1%) | SKYPASS Select Visa Signature · 0.6 pts |
| Welcome bonus | ~$960 estimated | — | SKYPASS Select Visa Signature |
| Est. annual benefits | $2778/yr | $145/yr | SKYPASS Select Visa Signature |
| Annual fee | $450 | $85 | U.S. Bank FlexPerks Gold American Express |
| Holistic overall | 72 pts (cat 25, bonus 20, benefits 24, fee 3) | 28 pts (cat 15, bonus 0, benefits 1, fee 12) | SKYPASS Select Visa Signature |
Madeen take
How to think about this pair
SKYPASS Select Visa Signature (3.2% top effective rate) vs U.S. Bank FlexPerks Gold American Express (3%): Madeen's catalog compares fees vs fees across dining, grocery, gas, and travel — not just headline categories.
Strategy
Use SKYPASS Select Visa Signature when Best for spenders who put meaningful volume in dining and can earn 2x miles. The welcome bonus can help if you can meet the spend requirement. Travel perks may add value beyond the earn rate.. Use U.S. Bank FlexPerks Gold American Express when Best for spenders who put meaningful volume in dining and can earn 3% back. Travel perks may add value beyond the.
Hold both?
Many U.S. Bank users can hold both cards if each covers a different spend lane and the combined annual fees still clear your break-even math.
Welcome bonus playbook
If you are chasing a welcome bonus, SKYPASS Select Visa Signature leads on catalog bonus value. For long-term category earn after the bonus, U.S. Bank FlexPerks Gold American Express is the stronger keeper in this pair — but only if its annual fee still makes sense for your spend.
Madeen analysis
Which card has stronger benefits: SKYPASS Select Visa Signature or U.S. Bank FlexPerks Gold American Express?
Madeen estimates $2778 annual benefit value on SKYPASS Select Visa Signature versus $145 on U.S. Bank FlexPerks Gold American Express. Credits only matter if you will use them.
SKYPASS Select Visa Signature
Total est. value: $2,778/yr
Credits and perks only help if you will actually use them in a typical year.
- Roadside Dispatch® $1,000/yr
- Trip Delay Reimbursement $500/yr
- Sofar Sounds $240/yr
- $200 travel credit $200/yr
- Visa Signature Concierge $150/yr
U.S. Bank FlexPerks Gold American Express
Total est. value: $145/yr
Credits and perks only help if you will actually use them in a typical year.
- TSA PreCheck® or Global Entry® $120/yr
- Pay over time with a U.S. Bank ExtendPay® Plan. $25/yr
Welcome bonus
Which welcome bonus is stronger for SKYPASS Select Visa Signature or U.S. Bank FlexPerks Gold American Express?
If you are chasing a welcome bonus, SKYPASS Select Visa Signature leads on catalog bonus value. For long-term category earn after the bonus, U.S. Bank FlexPerks Gold American Express is the stronger keeper in this pair — but only if its annual fee still makes sense for your spend. SKYPASS Select Visa Signature lists 60k Korean Air SKYPASS; U.S. Bank.
SKYPASS Select Visa Signature
60k Korean Air SKYPASS
U.S. Bank FlexPerks Gold American Express
—
Caps & conditions
Caps and earn limits
Both SKYPASS Select Visa Signature and U.S. Bank FlexPerks Gold American Express carry structured reward caps in the catalog. Compare the category that matters most before assuming the headline multiplier lasts all year.
SKYPASS Select Visa Signature
- 2X miles on other airlines
- 2X miles on dining, including takeout and restaurant delivery
- 2X miles on hotels
U.S. Bank FlexPerks Gold American Express
- 2X FlexPoints at airlines
- 3X FlexPoints on dining, takeout and restaurant delivery
- 2X FlexPoints at gas stations and EV charging stations
Who should pick which
Scenario playbook
Cashback-first user
Pick U.S. Bank FlexPerks Gold American Express
U.S. Bank FlexPerks Gold American Express is the better cashback-style pick because it has the cleaner effective-rate and fee blend for this pair.
Travel & points user
Pick SKYPASS Select Visa Signature
SKYPASS Select Visa Signature is the stronger travel-style pick because it combines better reward value with more travel-friendly positioning.
No annual fee priority
Pick U.S. Bank FlexPerks Gold American Express
U.S. Bank FlexPerks Gold American Express is easier to keep for no-fee users because it has the lighter annual-fee burden in this pair.
Heavy dining spend
Pick SKYPASS Select Visa Signature
For restaurant and dining-coded spend, the winner is whoever posts the stronger dining effective rate after caps and exclusions — see the category matrix for the current snapshot.
Heavy grocery spend
Pick SKYPASS Select Visa Signature
Supermarket and grocery coding can differ from superstores and delivery, so compare the grocery row before you optimize a weekly shopping basket.
Welcome bonus chaser
Pick SKYPASS Select Visa Signature
If you are chasing a welcome bonus, SKYPASS Select Visa Signature leads on catalog bonus value. For long-term category earn after the bonus, U.S. Bank FlexPerks Gold American Express is the stronger keeper in this pair — but only if its annual fee still makes sense for your spend.
Fee-sensitive keeper
Pick U.S. Bank FlexPerks Gold American Express
When you want the card that is easiest to keep year two, annual fee often matters more than a narrow category edge.
Decision guide
Which card is better between SKYPASS Select Visa Signature and U.S. Bank FlexPerks Gold American Express?
SKYPASS Select Visa Signature is the better overall pick because it leads on Madeen's weighted scorecard (72 vs 28) across categories, bonus, benefits, and fee. SKYPASS Select Visa Signature (3.2% top effective rate) vs U.S. Bank FlexPerks Gold American Express (3%): Madeen's catalog compares fees vs fees across dining, grocery, gas, and travel — not just headline categories.
When should you pick SKYPASS Select Visa Signature over U.S. Bank FlexPerks Gold American Express?
Choose SKYPASS Select Visa Signature if Best for spenders who put meaningful volume in dining and can earn 2x miles. The welcome bonus can help if you can meet the spend requirement. Travel perks may add value beyond the earn rate.. Best for dining-heavy spend when the $450 fee fits your usage; confirm issuer terms before applying.
Strengths
- Strongest Madeen category is dining at about 3.2% effective (2x miles).
- That dining rate ranks higher than about 92% of cards we track in the category.
- No foreign transaction fee listed.
Tradeoffs
- $450 annual fee requires enough spend in bonus categories to offset.
- Multiple caps, activations, or exclusions may limit headline earn rates.
When should you pick U.S. Bank FlexPerks Gold American Express over SKYPASS Select Visa Signature?
Choose U.S. Bank FlexPerks Gold American Express if Best for spenders who put meaningful volume in dining and can earn 3% back. Travel perks may add value beyond the earn rate.. Best for dining-heavy spend when the $85 fee fits your usage; confirm issuer terms before applying.
Strengths
- 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.
Tradeoffs
- $85 annual fee requires enough spend in bonus categories to offset.
- Multiple caps, activations, or exclusions may limit headline earn rates.
Common questions about SKYPASS Select Visa Signature vs U.S. Bank FlexPerks Gold American Express
Which card is better between SKYPASS Select Visa Signature and U.S. Bank FlexPerks Gold American Express?
SKYPASS Select Visa Signature is the stronger overall fit because it leads on Madeen's weighted scorecard (72 vs 28) across categories, bonus, benefits, and fee. The overall winner depends on your spend mix — use the scorecard rows and scenario playbook to see where each card actually wins.
Which card wins on dining: SKYPASS Select Visa Signature or U.S. Bank FlexPerks Gold American Express?
SKYPASS Select Visa Signature leads dining at 3.2% effective versus 3%.
Which card is better for cashback users: SKYPASS Select Visa Signature or U.S. Bank FlexPerks Gold American Express?
U.S. Bank FlexPerks Gold American Express is the better cashback-style pick between SKYPASS Select Visa Signature and U.S. Bank FlexPerks Gold American Express.
Which welcome bonus is stronger between SKYPASS Select Visa Signature and U.S. Bank FlexPerks Gold American Express?
If you are chasing a welcome bonus, SKYPASS Select Visa Signature leads on catalog bonus value. For long-term category earn after the bonus, U.S. Bank FlexPerks Gold American Express is the stronger keeper in this pair — but only if its annual fee still makes sense for your spend.
Which card has stronger benefits: SKYPASS Select Visa Signature or U.S. Bank FlexPerks Gold American Express?
SKYPASS Select Visa Signature leads on estimated annual benefit value in the Madeen snapshot.
Which card has the lower annual fee: SKYPASS Select Visa Signature or U.S. Bank FlexPerks Gold American Express?
U.S. Bank FlexPerks Gold American Express has the simpler fee story in this pair ($450 vs $85). Annual fee only wins if you use the rewards and credits that justify it.
Is SKYPASS Select Visa Signature or U.S. Bank FlexPerks Gold American Express better for travel spend?
SKYPASS Select Visa Signature is the stronger travel-style pick between SKYPASS Select Visa Signature and U.S. Bank FlexPerks Gold American Express in this snapshot.
Can you hold both U.S. Bank cards?
Yes, many people can hold both U.S. Bank cards when each covers a different spend lane and the combined fees still make sense.
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Reviewed by Madeen editorial review
Catalog snapshot 2026-05-01
Updated 2026-06-25
Content tier Standard
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