US Bank FlexPerks℠ Select Rewards Visa® Credit Card Reviews: Is It Worth It? (2024)Reviews, rates, fees, and rewards details for The US Bank FlexPerks℠ Select Rewards Visa® Credit Card. Compare to other cards and apply online in secondsJohn KiernanWalletHubNo membership fees0% intro APR on balance transfers10,000 points initial rewards bonusSpending caps on rewardsNo intro APR on purchasesBalance transfer feeForeign fee
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Lower Cost of Existing Debt." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
We're sorry, but the US Bank FlexPerks℠ Select Rewards Visa® Credit Card may no longer be available to new applicants or we may no longer be able to obtain complete information related to this offer. For customer service call: 800-692-8472
US Bank FlexPerks℠ Select Rewards Visa® Credit Card has a rating of 2.7/5 according to our proprietary credit card rating system. This rating reflects how appealing US Bank FlexPerks℠ Select Rewards Visa® Credit Card's terms are compared to a pool of more than 1,500 credit card offers tracked by WalletHub. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is 'Lower Cost of Existing Debt'. To break it down further, US Bank FlexPerks℠ Select Rewards Visa® Credit Card earned a score of 5.0/5 for Fees, 2.2/5 for Cost, 2.5/5 for APR, and 4.8/5 for User Reviews.
WalletHub Rating Breakdown
User Reviews
4.8/5
106 reviewsRead and write reviews
Market Comparison
Market Comparison
2.5
The Market Comparison is a key component of the WalletHub Rating, as it measures how appealing the terms of a card are compared to a pool of over 1,500 credit card offers monitored by WalletHub. To ensure cards are evaluated for their most relevant purpose, we score each card across various cardholder needs and select the rating for the need with the highest score, which is “Lower Cost of Existing Debt” for this card.
Fees
5.0
Cost
2.2
APR
2.5
2.5/5
Compared against 1,500+ credit cards
KEY TERMS
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit
Annual Fee
$0
APR on Purchases
14.24% - 24.24% (V)
Balance Transfer
0% intro APR for 9 months, 14.24% - 24.24% (V) APR after that
Balance Transfer Fee:3%
Rewards
10,000 bonus FlexPoints after $1,000 in net purchases within four months from account opening.
Earn 1 FlexPoint for every $2 you spend.
Earn Triple FlexPoints for your charitable donations.
Redemption starts at just 5,000 FlexPoints for merchandise, gift cards, statement credits and more. In addition to airline tickets, you can redeem your FlexPoints for hotel stays or vacation packages. With flexible travel rewards, you have a world of options for your next vacation.
An airline award ticket starts at just 20,000 FlexPoints (up to $400 value). Travel on more than 150 airlines with no blackout dates or online redemption fees.
US Bank FlexPerks℠ Select Rewards Visa® Credit Card's Additional Info
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Lower Cost of Existing Debt." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
User Reviews
4.8
Market Comparison
2.5
fees: 5.0
cost: 2.2
APR: 2.5
4.1WalletHub Rating
WalletHub Rating
4.1
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Finance New Purchases." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.2
User Reviews
3.6
Market Comparison
4.2
fees: 4.0
rewards: 5.0
cost: 4.3
APR: 3.8
(106)
(80)
annual fee$0
annual fee$0
Purchase Intro APRNot Offered
Purchase Intro APR0% for 15 months
transfer intro apr0% for 9 months|Transfer Fee:3%
transfer intro apr0% for 15 months|Transfer Fee:3% intro fee ($5 min) for each transfer in first 4 months, after that 5% ($5 min) for each transfer
Can't find what you are looking for? Submit your question about US Bank FlexPerks℠ Select Rewards Visa® Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this offer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.
Select the "My Accounts" tab at the top of the page, then choose "My Rewards".
Select the "Redeem Rewards & Access Card Benefits" option.
Follow the prompts to complete your request and redeem your rewards.
What you should know about the US Bank FlexPerks℠ Select Rewards Visa® Credit Card rewards:
You can redeem points for travel (booking airfare and hotels), statement credits (cannot be applied to the minimum amount due), merchandise, and gift cards.
The value of your US Bank FlexPerks℠ Select Rewards Visa® Credit Card rewards varies depending on how you want to redeem them.
To redeem rewards, your account must be in good standing. Also, keep in mind that US Bank FlexPerks℠ Select Rewards Visa® Credit Card rewards expire in 5 years from the end of the month in which they were earned.
The US Bank FlexPerks℠ Select Rewards Visa® Credit Card foreign transaction fee is 3%. This means U.S. Bank will add a 3% surcharge everytime you use the card outside of the United States. The 3% fee also applies to online purchases made through an internationally-based merchant.
US Bank FlexPerks℠ Select Rewards Visa® Credit Card Reviews
Share your insights and review for the US Bank FlexPerks℠ Select Rewards Visa® Credit Card
5
89%
4
6%
3
5%
2
0%
1
1%
4.8
106 reviews
106 reviews
What's Your Rating?
Most Recent
Most RecentMost Useful
Review sort
Linda @kyhootowl
Report Abuse
4 Star Rating
Verified Customer
I like this credit card because I do a lot of online shopping and they are very quick to find anything that is suspicious. I also like they’re easy logon and payment system.
show more
show less
Comment
0
0
Lori-Ann @lbarcoski3921
Report Abuse
5 Star Rating
Verified Customer
All sorts of choice of rewards tons of gift cards they offer incentives to open a checking account , customer service is quick never have issuen
show more
show less
Comment
0
0
Marcia @mburnam0_1
Report Abuse
1 Star Rating
Verified Customer
Someone was able to steal over $2000,00 for the last year. I only found out by mistake using my husband's phone. And I had over 27,000 miles to redeem but some woman I do not know is getting my 0oints and stole almost $3000.00 I feel like you are taking a Chase Style of Banking. I plan on moving my money out. You have failed to protect me too many times.
show more
show less
Comment
0
0
Douglas @wallysboy
Report Abuse
5 Star Rating
Verified Customer
I love this Bank! I have my car financed through them, plus a credit card with a $5000 limit. Highly recommend them!! They gave me a chance, when others wouldn't!
show more
show less
Comment
0
0
Jake @jake3
Report Abuse
4 Star Rating
I got the card because my bank offered it and I wanted something to passively improve my credit score. I have had no issues with the card but, like anyone, more cash back would never be a bad thing. The customer service has been great and anytime I have had to call about going overseas or whatever my problem was, it was taken care of quickly and the wait was minimum at best.
show more
show less
Comment
0
0
Ben Dorothy @ben_dorothy_1
Report Abuse
5 Star Rating
I've had this card for a while and I love it. The interest rate is reasonably low, and was 0 for the first year that I had it which was very nice to have while paying off student loans. The rewards are pretty nice. This was my first credit card and I've held on to it. My limit was low at first but it's been raised a couple of times since I got it. I mostly use the card fro small purchases that I pay off later but occasionally I'll buy something big with it and the reasonable interest rate makes the payments much less stressful if I for some reason don't manage to pay it all off at the end of the month.
show more
show less
Comment
0
0
Jessica Klemp @jessie.gamble
Report Abuse
5 Star Rating
I love having the US Bank FlexPerks card and think it has really helped our family take control of our debt! We first started using this card when we realized we needed to transfer some high interest debt to a card where we could pay it off quickly and without more interest building up. This card gave us 18-months interest free on our balance transfer as a special promotion when signing up. It was incredibly helpful and allowed us to get rid of our debt completely. Since then, we've been using this card to make small purchases, gain the rewards and we simply pay off the balance every month. Easy to use, great rewards and perfect for our family!
show more
show less
Comment
0
0
Becky Allenbaugh @becky_allenbaugh
Report Abuse
5 Star Rating
My Husband and I have had this card for about 2 years now. Our bank offered it to us and at first we were young and dumb and over spent but we had 0% interest rate so it was easier to pay off. We recently just got done paying it off again. Our interest rate on it was 8.99% which isn't horrible. We were first approved a spending allowance of $4,000, now we have$7,000 which is more than enough for us. This card is a great card whether you are 18 or 80.
show more
show less
Comment
1
0
Jennie Lopez @CAmodel2010
Report Abuse
5 Star Rating
I got this card as my first credit card, I needed something simple that would help me boost my credit up as I had no credit at the time. I was surprised that my limit was as high as it was, $500 because of it being my first card and because I had no credit. What I love most about this card is it has no fees. I found it really easy to use, check my statements and keep up with. I also really love the rewards, it took me a while to save up enough points but it was nice when I finally had enough points I was able to cash them in for cash back and that's always a perk in my book. I would definitely recommend this credit card to anyone who is starting out with their first card or who is trying to establish their credit.
show more
show less
Comment
0
0
Billy Paongo @billyp_5
Report Abuse
4 Star Rating
I received this credit card while I was in college. It had a very low credit limit compared to my other credit cards. I have kept this credit card active, and it still has a lower credit limit than any of my other credit cards. The interest rate is competitive, but the rewards are not. I feel as if the reward items are overpriced and it takes a long time to save up the reward points needed. Once you do have enough points to trade in, the process can be done very easily on their website. I recommend this credit card for someone who is establishing their credit.
show more
show less
Comment
0
0
Review US Bank FlexPerks℠ Select Rewards Visa® Credit Card
US Bank FlexPerks℠ Select Rewards Visa® Credit Card
* WalletHub is committed to transparency and editorial independence. The information about the following cards has been independently collected by WalletHub: US Bank FlexPerks℠ Select Rewards Visa® Credit Card and U.S. Bank Altitude® Go Visa Signature® Card
WalletHub is an independent comparison service.
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. When you click "Apply Now" you will be directed to the offering institution's website. In addition, keep in mind that actual rates and other information may vary for a number of reasons including the applicant's' creditworthiness and differences between an individual's situation and the criteria/assumptions used to generate the information displayed. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
Ad Disclosure: Offers originating from paying advertisers are noted as “Sponsored” at the top of this page. Advertising may impact how and where offers appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Irrespective of whether an offering institution is a paid advertiser, the presence of offer information on WalletHub does not constitute a referral or endorsement of the institution by us or vice versa. Furthermore, offers have not been reviewed or approved by the offering institution. Information is displayed first and foremost to help consumers make better decisions.
Editorial Disclaimer: Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by the issuer. In addition, it is not the issuer’s responsibility to ensure all posts and/or questions are answered.