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Knowledge base, how do i redeem my credit card rewards.

There are a couple ways to find out what kind of rewards program you have. Check out the rewards section of your billing statement or log in to digital banking.

If your rewards program is with U.S. Bank (such as Shopper Cash, Cash+, FlexPerks or Altitude), follow the steps below.

To redeem your rewards using digital banking

• Online banking: Select your rewards card, then choose Go to rewards & benefits. U.S. Bank Mobile App: Select your rewards card, then choose the Rewards  tab.
• Select Redeem rewards .
• Choose the category you'd like to browse (e.g., Rewards card or Travel) and follow the prompts to redeem.

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To freely explore our digital banking services without using your own account, visit our Digital Banking Simulators page. If you'd like a step-by-step tutorial on how to use a specific service or feature, check out our Digital Explorer page.

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5 Things to Know About the U.S. Bank FlexPerks Travel Rewards Card

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U.S. Bank is no longer accepting applications for this credit card. For alternatives, see NerdWallet’s roundup of best travel credit cards . Or if you’re specifically interested in a U.S. Bank card, consider the U.S. Bank FlexPerks Gold Credit Card or a newer travel card, like the U.S. Bank Altitude® Connect Visa Signature® Card .

Intrigued by the thought of owning a travel rewards card, but don't want to fork over a hefty annual fee? You might like what the U.S. Bank FlexPerks® Travel Rewards® Card offers — namely, a low cost of ownership, plus rewards tiers with a twist.

It doesn't have the razzle-dazzle of a premium travel card, but it does pay better-than-average rewards — called FlexPoints — in several everyday categories. Plus, it comes with some travel perks, to boot.

Here are five things to know about the U.S. Bank FlexPerks® Travel Rewards® Card .

» MORE: NerdWallet's best travel credit cards

1. The card's rewards allow for customization

The card's rewards categories are structured in a unique way. You'll earn 2 FlexPoints for every dollar spent on cellular providers, 2 FlexPoints for every dollar spent on charitable donations (more on this later), and 2 FlexPoints for every dollar spent in one of the following categories (whichever you spend the most on each monthly billing cycle):

Gas stations.

Grocery stores.

All other spending, including in the other two categories that weren't your top expenses for the month, will earn 1 FlexPoint per dollar spent.

Depending on how you view it, that's either a lot to keep track of or a weight off your mind. (The rewards earning in those categories is automated, so you don't have to actively choose bonus categories or "opt in" each month or quarter.)

2. Redeeming points for travel will net you more value

When you use your rewards to make travel plans, your FlexPoints will be worth 1.5 cents each, an excellent rate for a card with a lower-than-average annual fee of $0 the first year, then $49 thereafter.

Redeeming for cash back in the form of a statement credit will net you about a penny a point. You can also redeem for things like merchandise, gift cards and live events.

3. It comes with extras not usually found in a card at this price point

The card offers some nice perks, including a $25 airline allowance on award tickets, which can be used toward baggage fees or in-flight food and drinks. You'll also get Visa Signature benefits like travel and auto protections and insurance.

Plus, there's a decent sign-up bonus that could have you well on your way to your first free trip: Get 25,000 bonus FlexPoints after the first $2,000 in net purchases in the first 4 months. That could be worth as much as $375 if used toward travel. Eligible travel includes purchases made directly with airlines, hotels, car rental companies, taxis, limousines, passenger trains and cruise lines.

4. You earn rewards on charitable donations

This is an unusual enough feature that it bears repeating. A small handful of cards let you donate your rewards to a worthy cause, but the U.S. Bank FlexPerks® Travel Rewards® Card actually lets you earn rewards when you use your card to make a donation to any merchant that classifies itself as a charitable and social service organization. When it comes to the U.S. Bank FlexPerks® Travel Rewards® Card , it really does pay to be kind.

5. You get car rental discounts

If you have the U.S. Bank FlexPerks® Travel Rewards® Card , you can get discounts on cars rented in the U.S. and Canada from National, Enterprise and Alamo. All three are preferred partners and offer various money-saving benefits like free upgrades and reduced rates.

Information about the U.S. Bank FlexPerks® Travel Rewards® Card has been independently collected by NerdWallet and was not supplied or reviewed by the issuer of this card.

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Reward yourself your way.

Enjoy the many ways you can redeem with your U.S. Bank FlexPerks® Travel Rewards Credit Card.

Choose rewards from options like merchandise, cash back, gift cards, travel. 1

Visit the FlexPerks Rewards Center to choose from a variety of reward options:

Redemption is easy

Log in to usbank.com  or the U.S. Bank Mobile App

Locate your Credit Card, then click View Rewards to view your Rewards Dashboard and access the Rewards Center  

Merchandise

Choose electronics, fashion, sporting goods and more.

Choose from leading retailers, restaurants and more.

Redeem for a statement credit to your account or convert as cash value to most U.S. Bank checking or savings accounts.2

Redeem just 3,500 FlexPoints to pay your annual fee.3

Choose from hundreds of airlines and thousands of hotels, car rentals, cruises and activities.

Don't have enough FlexPoints for your reservation?

FlexPoints + Cash let's you use any combination of FlexPoints and cash at the FlexPerks Rewards Center to redeem for travel.

Get up to a $25 Airline Allowance 4

Here is how it works: 

• Book a round-trip airline award travel ticket using FlexPoints at the FlexPerks Rewards Center
• Purchase in-flight food or drinks, seat upgrades, baggage fees or more during your award travel dates using your U.S. Bank FlexPerks® Travel Rewards American Express® Card
• Call Cardmember Service at 866-311-5550 within 90 days after travel to request your Airline Allowance of $25

More ways to use your Points.

Shop with Points at Amazon.com

• Use credit card points to make purchases at Amazon.com .
• Visit amazon.com/usbank for details on Shop with Points at Amazon.com for card eligibility, certain restrictions and full terms and conditions. 

PayPal Pay with Rewards

• Set up Pay with Rewards and any rewards points available for your purchase will show up at checkout. 
• To link your card, log in to usbank.com or the U.S. Bank Mobile App . Locate your Credit Card, then click Manage Card.
• Visit paypal.com/usbank for details on Pay with Rewards for card eligibility, certain restrictions and full terms and conditions.

Redeem points for the latest tech from Apple in the Rewards Center.

Disclosures

1 See Program Rules in the online Rewards Center by logging in to usbank.com for complete details on earning and redeeming rewards and benefits. Account must be open and in good standing to earn and redeem rewards. FlexPoints are earned on Net Purchases. Net purchases are purchases minus credits and returns. Not all transactions are eligible to earn FlexPoints, such as Advances, Balance Transfers, and Convenience Checks. See your Cardmember Agreement for details.

2  Cash back is redeemed in the form of a statement credit or a deposit made to your U.S. Bank Savings or Checking Account (2,500 FlexPoints minimum redemption).

3 If you have enough FlexPoints available, you may redeem for a statement credit that offsets the cost of the Annual Membership Fee charged for your Account. This redemption option is available on the online Rewards Center and via phone for 90 days before and after the Account opening anniversary date. FlexPoints redeemed for your Annual Membership Fee will reduce the Account balance but will not count toward your minimum payment due. FlexPoints will be immediately deducted from your balance following redemption. If you redeem FlexPoints for this redemption option more than 3 business days before your Annual Membership Fee is billed, a credit in the amount of the Annual Membership Fee will be applied on the next business day after the fee is billed on your statement. If you redeem after that, a credit in the amount of the Annual Membership Fee will be applied 7-10 business days after the date of redemption.

4  Cardmembers redeeming FlexPoints for Award Travel (a ticket paid using FlexPoints) are eligible to receive the airline allowance credit up to $25 per each round-trip airline award travel ticket. You must redeem a minimum of 10,000 FlexPoints per round-trip airline award ticket in order to be eligible for the $25 airline allowance. Qualifying Purchases must be made using the U.S. Bank FlexPerks® Travel Rewards American Express® Card on the Award Travel dates. Qualifying Purchases must be through the airline carrier, which is inclusive of a checked baggage fee, onboard food or beverage purchases, and seat upgrades. U.S. Bank does not have the ability to control how a merchant chooses to classify their business and reserves the right to determine which purchases qualify for the allowance. You may redeem allowance for Qualified Purchases only if the outstanding balance of your Account is below its revolve limit and if your Account is open and in good standing under the terms of your Cardmember Agreement. Once you or we close your Account for any reason, your allowance may be forfeited.

Cardmember is required to contact Cardmember Service within 90 days after travel to request the Airline Allowance, which is credited to your Account and will appear on the statement within 4–6 weeks (or a notification regarding a decline will be sent).

The creditor and issuer of the U.S. Bank FlexPerks® Travel Rewards American Express® Card is U.S. Bank National Association, pursuant to a license from American Express. 

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US Bank FlexPerks Travel Rewards Credit Card Benefits: Solid Protections and a Unique Perk Worth $25 per Round-Trip Award Flight

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INSIDER SECRET: Purchase Security protects items for 90 days after purchase in case of theft or damage, even if the damage is your fault!

The US Bank FlexPerks Travel Rewards Credit Card is definitely one of the most underrated travel credit cards . Currently, you can earn 25,000 FlexPoints after spending $2,000 on purchases in the first four months of opening. These points are worth $375 in travel when redeemed for travel expenses such as airfare, hotel stays, car rentals and cruises.

The US Bank FlexPerks Travel Rewards Credit Card also features several bonus categories on spend, a valuable redemption rate of 1.5 cents per point when booking through the US Bank travel portal and $25 airline reimbursement for baggage fees,  infllight food and other incidentals redeemed flights – all for a low annual fee of $49 (waived for the first year).

However, the  US Bank FlexPerks Travel Rewards Credit Card benefits that are less publicized can get you even more value out of this already valuable card. It is a Visa Signature c ard , which comes with a range of valuable travel and purchase protections. I’ll break down these benefits so you don’t miss any coverage opportunities.

US Bank FlexPerks Travel Rewards Credit Card Benefits

Apply Here: US Bank FlexPerks Travel Rewards Credit Card

Read our review of the US Bank FlexPerks Travel Rewards Credit Card

Travel Benefits

The  US Bank FlexPerks Travel Rewards Credit Card is geared to the frequent traveler, so it should be no surprise it also comes with an arsenal of travel benefits.

$25 Airline Allowance on FlexPerks Award Flights

Perhaps the most unique and valuable benefit of the  US Bank FlexPerks Travel Rewards Credit Card is the $25 airline allowance for each round-trip award travel ticket. These are the steps to utilize this perk:

• Book a round-trip award through the FlexPerks Rewards Center online or by phone redeeming a minimum of 10,000 points (worth $150)
• Use your  US Bank FlexPerks Travel Rewards Credit Card  to pay for an airline charge on the days of or between your flights. US Bank specifies that any charge that appears under the airline carrier providing your award flight qualifies for the reimbursement. This could include baggage fees, inflight food or alcoholic drinks and upgrades to priority boarding and better seats.
• Call the number on the back of your card within 90 days of the qualified purchase and request a statement credit for the purchase, up to $25.

The best part about this perk is there is no limit to how many times you can use it. If you have several passengers on FlexPerks award flights, everyone gets the $25 allowance. And you get it again and again on every FlexPerks round-trip award flight worth at least $150.

No Foreign Transaction Fees

Don’t worry about foreign transaction fees with the  US Bank FlexPerks Travel Rewards Credit Card . Use it anywhere in the world. This is a nice perk for a card with no annual fee the first year and only $49 after that.

Car Rental Insurance

Nobody likes extra charges on car rentals, and you don’t have to worry about them when you pay the full amount of your rental with your  US Bank FlexPerks Travel Rewards Credit Card . If you decline the Collision Damage Waiver (CDW) offered by the rental agency, your card has you covered up to the value of the car if any of these should happen:

• Physical damage and/or theft of the rental vehicle
• Towing charges associated with physical damage or theft
• Valid loss-of-use charges imposed and substantiated by the rental car agency

However, there are some important conditions to this coverage you should be sure to understand:

• This is secondary car rental coverage, meaning it applies to charges not covered by personal insurance you carry, but it reimburses you for your personal insurance deductible
• Coverage is only valid for rentals of 15 days or less domestically and 31 days or less internationally
• Exotic and antique vehicles, trucks, motorbikes, RVs and vans designed for more than eight passengers are not covered
• The benefit applies in all countries except Israel, Jamaica, Ireland and Northern Ireland

Also, credit card car rental insurance benefits do not include liability coverage, but if you have personal rental car insurance it’s often included. In this case, you can decline all coverage offered by rental car agency, even if the sales agent gets pushy. That can save you hundreds on your rental, and potentially thousands if you have an accident.

However, there are some  credit cards that offer primary car rental coverage , so if you carry one of those cards, that’s likely a better option for car rentals.

Roadside Dispatch

Another benefit of the  US Bank FlexPerks Travel Rewards Credit Card  is the pay-per-use roadside assistance program. For a fee of $69.95, Roadside Dispatch will send a reliable tow truck operator or locksmith to assist you. The rate is pre-negotiated and usually far less than you’d have to pay on the spot. The following services are covered:

• Standard towing (up to five miles)
• Tire changing (must have a spare)
• Jump starting
• Lockout service
• Fuel delivery (up to five gallons and must pay for fuel)
• Standard winching

To use this benefit, call 800-847-2869 (24 hours a day, seven days a week), from anywhere in the country. No membership or enrollment is needed.

There are some cards that don’t charge a fee for roadside assistance (with limits), like the Chase Sapphire Reserve , so if you have this card, that’s likely a better option.

Lost Luggage Reimbursement

If your checked or carry-on luggage is lost by an airline or transportation provider, you are eligible for reimbursement.

Travel Accident Insurance

If you purchase your travel with your  US Bank FlexPerks Travel Rewards Credit Card  you will be covered with Accidental Death and Dismemberment Insurance. It’s not something we want to think about while traveling, but that why insurance exists — so we don’t have to stress about it.

Travel and Emergency Assistance Services

If you need emergency assistance when traveling, your  US Bank FlexPerks Travel Rewards Credit Card  can help coordinate medical, legal and travel services. You are responsible for the cost of these services, but this is good peace of mind if you are traveling to a country where you have no contacts. Call 1-800-992-6029 to use this service.

Visa Signature Luxury Hotel Collection Benefits

As a  US Bank FlexPerks Travel Rewards Credit Card holder, you can book your hotel stays through the Visa Signature Luxury Hotel Collection site and receive perks such as:

• Room upgrade
• Free breakfast for two
• $25 food or beverage credit
• Late check-out

Be sure to check hotels and prices on the Visa Signature Luxury Hotel Collection website to get access to these VIP benefits.

Car Rental Discounts

US Bank has partnerships with National Car Rental , Enterprise and Alamo to offer discounts to  US Bank FlexPerks Travel Rewards Credit Card  members, along with perks such as a free car class upgrade. Check the  FlexPerks Card Benefit Site  for a current list of promotions.

However, there are many travel and membership partnerships that offer car rental discounts, so be sure to compare prices against all discounts available to you. Promotions change all the time, so there is no consistency in the best deals.

Shopping Benefits

While it is a great travel rewards credit card, the US Bank FlexPerks Travel Rewards Credit Card  has valuable benefits for shopping as well.

Extended Warranty Protection

For any purchases made with your US Bank FlexPerks Travel Rewards Credit Card , the extended warranty is doubled for warranties of less than one year and extended by one year for warranties that last between one and three years.

You have to pay with your US Bank FlexPerks Travel Rewards Credit Card  in full at the time of purchase for extended warranty protection to apply. Leased items or installment plans do not qualify. Also, the benefit is excluded from purchases of the following items:

• Boats, automobiles, aircraft and any motorized vehicles along with their equipment and accessories
• Items that are meant to become part of real estate, such as hard-wiring, plumbing, garage doors and ceiling fans
• Items purchased for resale, professional or commercial use
• Computer software
• Medical equipment
• Used or pre-owned items

No registration is required. The extended warranty happens automatically.

Purchase Security

For items you’ve purchased fully with your US Bank FlexPerks Travel Rewards Credit Card , Purchase Security will replace, repair or reimburse in case of theft or accidental damage within 90 days of purchase. This can be really valuable for incidents that aren’t covered by warranty.

Other Benefits

On top of the travel and shopping benefits already mentioned, the  US Bank FlexPerks Travel Rewards Credit Card  comes with a range of other benefits included in your card membership. These benefits include the following:

• Free TransUnion credit score
• Fraud Protection
• FlexControl budgeting tool
• Spend analysis online Reporting
• Combine and transfer FlexPoints from different accounts with no fee, even from another person
• Earn frequent flyer miles on FlexPerks award flights

Bottom Line

The  US Bank FlexPerks Travel Rewards Credit Card  comes with a 25,000 FlexPoints bonus after spending $2,000 on purchases within the first four months of account opening, worth $375 in travel. Aside from the more publicized benefits, this credit card also comes with valuable travel and shopping protections and perks, including:

• $25 airline allowance for airline charges (like bag fees and inflight food) on round-trip award flights worth $150 or more, booked through the FlexPerks Travel Center
• No foreign transaction fees
• Secondary car rental insurance
• Roadside dispatch
• Lost luggage reimbursement
• Travel accident insurance
• Travel assistance services
• Visa Signature Luxury Hotel Collection benefits
• Car rental discounts
• Extended warranty
• Purchase security

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Brian Biros

Contributor

Brian Biros is a contributor to Million Mile Secrets, he covers topics on points and miles, credit cards, airlines, hotels, and general travel.

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U.S. Bank FlexPerks ® Travel Rewards Visa Signature ® Card Review [2024]: Generous Welcome Bonus & Travel Perks

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The U.S. Bank FlexPerks ® Travel Rewards Visa Signature ® Card comes with valuable perks for cardmembers who are looking to save money on upcoming trips. This card’s welcome bonus alone is worth hundreds of dollars in travel.

And with a low annual fee of $49 (waived first year), it seems like this card would offer a ton of value. U.S. Bank combines the protections and perks of a Visa Signature card with other travel perks afforded through its FlexPerks rewards program. However, FlexPerks isn’t the easiest credit card rewards program to understand and use.

How does the U.S. FlexPerks Travel Rewards Visa Signature credit card stack up to the competition? Should you consider this card, or are there better options for frequent travelers?

U.S. Bank FlexPerks ® Travel Rewards Visa Signature ® Card

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

Current Offer

Earn 25,000 bonus FlexPoints after spending $2,000 in the first 4 months

$49 (waived first year)

Rewards Rate

• 2X FlexPoints when using your card at gas stations, grocery stores, charities, airlines, and cellular providers; and 1X FlexPoints on all other eligible purchases
• 25,000 bonus FlexPoints sign-up offer
• 2X FlexPoints at gas stations, airlines, charities, and more
• Up to $25 reimbursement on eligible in-flight purchases
• Compatible with mobile pay
• No foreign transaction fees

Who should get this card?

For people who love to travel but aren’t tied to a particular airline, the U.S. Bank FlexPerks Travel Rewards Visa is worth a look. It offers 2X FlexPoints on airline purchases, and there’s no need to worry about airline loyalty programs or blackout dates.

Consumers who spend in certain categories will also find value in the U.S. Bank FlexPerks Travel Rewards Visa. This card gives 2X rewards for purchases at gas stations, grocery stores, cellular providers, and on qualifying charitable donations.

If you don’t fly regularly or want the freedom of transferring points to a travel partner for a higher redemption rate, this probably isn’t the card for you. The same thing goes for those who don’t spend in categories that earn 2X rewards; other credit cards may be a better fit in that case.

Card Basics

Top card benefits.

• Generous welcome offer : New U.S. Bank FlexPerks Travel Rewards Visa cardmembers can earn 25,000 bonus flexpoints after spending $2,000 in the first 4 months. This bonus is worth $375 in travel rewards.
• Mobile payment option : This card can connect to popular mobile payment platforms, such as Apple Pay, Samsung Pay, Google Pay, Fitbit Pay, and Garmin Pay, making it a convenient option for cardmembers who use these platforms regularly.
• Rental car discounts : Cardmembers enjoy discounted rates from National Car Rental, Enterprise Car Rental, and Alamo Rent a Car.
• In-flight perks : Cardmembers get reimbursed up to $25 for qualifying in-flight purchases when using the FlexPerks Travel Rewards card. This offer is only valid on flights where 10,000 FlexPoints were used for roundtrip airfare.
• Visa Signature protections : Because the U.S. Bank FlexPerks Travel Rewards Visa is part of the Visa Signature family, cardmembers gain access to program protections, including auto rental collision damage waiver, travel and emergency assistance, Visa Signature Concierge services, and more.

Earning & Redeeming

Best ways to earn.

The FlexPerks program from U.S. Bank allows cardmembers to earn 2X FlexPoints at gas stations, grocery stores, charities, airlines, and cellular providers. Spending in these categories is the quickest way to earn. The catch is that you only earn 2X points in one category per month — whichever one has the highest total spending.

This card offers rewards for everyday spending too. Cardmembers earn 1X FlexPoints per dollar spent on other eligible purchases.

Maximizing your redemptions

No matter how many FlexPoints you earn, the best way to maximize your redemptions is by booking flights directly through the FlexPerks portal. Not only are there no blackout dates to worry about, but cardmembers can also earn frequent flyer miles on flights booked with FlexPoints.

It’s also worth it to redeem your points for hotel stays and rental cars. FlexPerks is a versatile program, with over 150 partner airlines, hotel chains, and rental car companies.

Lesser value redemptions include gift cards, merchandise, and cash back in the form of statement credits. Minimum redemption starts at 1,000 FlexPoints.

Common Questions

How much are u.s. bank flexperks points worth.

There is no set point value assigned to points by U.S. Bank. For travel redemptions, points are worth approximately 1.5 cents each.

Do U.S. Bank FlexPerks points expire?

Yes, FlexPerks points expire five years from the end of the calendar quarter in which they were earned.

How do you use FlexPerks points to book flights?

To book flights, cardmembers must log in to their U.S. Bank online banking account. They can then search for flights by date, destination, and airline. Flights will display FlexPerks needed to redeem. Because you aren’t tied to one particular airline, there are no blackout dates. Any available flight on participating airlines should show up in your search.

Do I get a free TSA precheck with my U.S. Bank FlexPerks Travel Rewards Visa Signature Card?

The U.S. Bank FlexPerks credit card does not come with free TSA precheck.

Other Cards to Consider

Fans of U.S. Bank should also consider the U.S. Bank Cash+ ® Visa Signature ® Card . This card comes with a $0 annual fee and new cardmembers can earn earn a $200 bonus after spending $1,000 in eligible purchases within the first 120 days of account opening. Also, there’s a chance to earn up to 5% cash back in two categories you choose (up to $2,000 in combined eligible purchases each quarter).

Another credit card that’s good for everyday spending is the Chase Freedom Flex ® . This card earns 5% cash back in rotating quarterly categories you activate (on up to $1,500 spent) and travel purchased through Chase Travel℠. New cardmembers can earn a $200 bonus after you spend $500 on purchases in your first 3 months from account opening of account opening. 

Why We Like It

See how these cards compare:.

U.S. Bank Cash+® Visa Signature® Card

• Earn a $200 bonus after spending $1,000 in eligible purchases within the first 120 days of account opening
• No annual fee
• Intro APR on purchases and balance transfers
• Up to 5% cash back on eligible purchases

Chase Freedom Flex®

• Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
• Up to 5% cash back on spending
• Perks from Lyft, DoorDash, and more

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