U.S. Bank Flex Perks Cash Rewards Visa Review


The U.S. Bank FlexPerks Cash Rewards Visa allows cardholders to earn cash rewards for their purchases. We’ll take a further look at this card and determine who this card may be for.

How to Earn Cash Rewards

Cardholders earn 3% cash back on all gas purchases for the first 90 days and 1% cash back on all other purchases. Points do not expire and there is not limit to the amount that can be earned. Cardholders also earn points by using their card at the U.S. Bank Shopping Mall which provides exclusive savings and discounts from hundreds of merchants.

How to Redeem Rewards

Cash back rewards can be redeemed in $5 increments with a minimum redemption of $20. As soon as your rewards have reached $20 you can redeem them as a deposit directly into your U.S. Bank checking, savings or money market account, or as a U.S. Bank Rewards Card or statement credit.

Other Benefits

Other benefits of the U.S. Bank Flex Perks Cash Rewards Visa include Fraud Protection and Extended Warranty Coverage.


There is no annual fee for the U.S. Bank FlexPerks Cash Rewards Visa and an introductory APR of 0% on balance transfers for the first 6 months. The APR for purchases can range from 13.99% to 23.99%.


If you’re looking for a card with a 0% balance transfer APR and no annual fee as well as a flat cash back rate, this card may be for you. It seems pretty straightforward regarding earning points that are unlimited and don’t expire. You will also earn the 3% gas cash back but only for the first three billing cycles of card ownership. After that, all purchases receive a flat 1% cash back reward. Cardholders that are¬†interested in earning miles or a significant amount of cash back for specific types of purchases may want to look into one of the better rewards cards.

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One Response to “U.S. Bank Flex Perks Cash Rewards Visa Review”

  1. Mr. R Says:

    This isn’t really that great of a card. If you’re looking for cash back for gas, go with the PenFed Platinum Cash Rewards card – 5% cash back on gas, no limit, and it’s a statement credit every month so you don’t need to worry about redeeming points.

    And if you’re looking for 0% balance transfers, Discover More has that, with 5% cash back in rotating categories and a lower APR.

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