U.S. Bank FlexPerks Gold Credit Card Cash Value Calculator

FlexPerks Gold Card

3X Restaurant
2X Airline
2X Gas Station
TSA PreCheck / Global Entry
$25 Airline Allowance

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Out of the three cards that earn FlexPoints, the U.S. Bank FlexPerks Gold Card is the best out of the bunch. It features several bonus categories along with perks and bonuses aimed towards travel. Based on how much you spend, this card easily be worth the fee due to the value of FlexPoints.

The Value of U.S. Bank FlexPoints

FlexPoints are valued at around 1.5 cents each and can be redeemed for airfare, hotel stays, car rentals, cruises, statement credits and more. You will get the best value out of FlexPoints when they are redeemed for travel. FlexPoints can be transfered to other FlexPoint Accounts with up to a max of 20,000 points a year. FlexPoints can also be purchased at $0.03 a point and a minimum of 3,000 must be purchased. FlexPoints are purchased in increments of 1,000 with a max purchase of 60,000 points a year.

Bonus Categories

The U.S. Bank FlexPerks Gold Card features three bonus categories. They are restaurants, airlines, and gas stations. Spending within these three categories will earn bonus FlexPoints. There is no limit to the amount of points you can earn with this card. Below are the details on each bonus category featured on the FlexPerks Gold Card.

3x Restaurants

The FlexPerks Gold Card earns 3 FlexPoints per $1 spent at restaurants. American Express requires the establishment to be coded as restaurant in order to qualify for the 3x FlexPoint bonus. FlexPoints are worth 1.5 cents each, so this would be an excellent return of 4.5% for all restaurant purchases. The Chase Sapphire Reserve Card earns 3x Ultimate Rewards Points valued at 1.5 cent each for the same return. Another good choice is the Barclay Uber Card which offers 4% cash back and has no annual or international fees!

2x Airlines

Airline spending on the U.S. FlexPerks Gold Card will earn 2 FlexPoints per $1 spent for a return of 3%. This is mainly focused on airfare purchased directly with airlines. There are cards that earn a better return such as the AMEX Platinum Card which earns 5%, AMEX Business Platinum Card which earns 7.7% with the 35% point rebate, and Hilton Aspire Card which earns a 4.9% return. All of the above cards are luxury travel cards, but provide great benefits that cancel out the $450 annual fee.

2x Gas Stations

The U.S. FlexPerks Gold Card earns 2 FlexPoints per $1 spent on gas station purchases. This will apply to merchants that have a primary purpose of selling gas. As with airline purchases, this will also earn a 3% return which is decent but there are several cards that outright earn 3% without the annual fee. This includes the PNC Cash Rewards Card (4% back), Bank of America Cash Rewards (3% back), and Chase Ink Business Cash Card (5% back) just to name a few.

1x Non-Category

All purchases on the FlexPerks Gold Card outside of the three bonus categories above will earn 1x FlexPoints per $1 spent. This is a return of 1.5% which is good for miscellaneous purchases. A slightly higher return of 2% can be earned with the Citi Double Cash and Blue Business Plus cards, but if you're looking to earn FlexPoints, the FlexPerks Gold is the best card to put the spend on.

Perks and Benefits

Global Entry/TSA PreCheck Credit

FlexPerks Gold Card members will receive up to a $100 statement credit towards a Global Entry or TSA PreCheck application. The application does not have to be for the card members and the statement credit will trigger regardless of whether or not the application is approved. The FlexPerks Gold Card must be used in order to receive the credit.

Global Entry/TSA PreCheck is a perk commonly seen on luxury cards such as the AMEX Platinum Card and the Chase Sapphire Reserve Card, but it is offered on a few non-premium cards just like the FlexPerks Gold. This include the Bank of America Premium Rewards Card, and Capital One Venture Card.

Complimentary Boingo WiFi

U.S. Bank FlexPerks Gold Card members will receive complimentary Boingo Wifi. Boingo Wifi allows you to stay connected worldwide with over one million hotspots. This is a common perk on American Express credit cards including the AMEX Platinum Card and Marriott Brilliant Card.

Global Dining Program

Access to Taste from American Express will be granted for FlexPerks Gold Card members. This perk allows card holders to earn a little extra at over 700 restaurants worldwide. This includes benefits such as discounts on food, a complimentary appetizer or a bottle of wine.

$25 Airline Allowance

When U.S. Bank FlexPerks Gold Card members redeem an award ticket, members may receive up to a $25 airline allowance with the redeemed airline. The allowance will only apply to charges to the FlexPerks Gold Card in which comes from the same airline as the award ticket.

Standard AMEX Benefits

The U.S. Bank FlexPerks Gold Card also provides standard AMEX benefits that consist of AMEX Offers, concierge service, retail protection, lost luggage insurance, car rental loss and damage insurance, and more.

Sign Up Bonus

The U.S. Bank FlexPerks Gold Card sign up bonus is 30,000 FlexPoints after spending $2,000 within the first four months of account opening. FlexPoints are worth 1.5 cents each when redeemed towards travel making this bonus worth $450.

Credit Card Fees

Fees
Annual Fee
Authorized User Fee
Foreign Transaction Fee

Annual Fee

The U.S. Bank FlexPerks Gold Card annual fee is $85. Assuming they're being used for travel at a rate of 1.5 cents per FlexPoint, you would need to earn 5,667 FlexPoints to break even at a return of $0. That's $157 per month ($1,884 per year) in restaurant spend or $236 per month ($2,832 per year) in combined spend between the gas station and airline categories.

Authorized User Fee

The FlexPerks Gold Card has a $0 authorized user fee. If you're trying to build FlexPoints, I'd recommend adding users to maximize your rewards.

Foreign Transaction Fee

The U.S. Bank FlexPerks Gold Card does not have a foreign transaction fee so you can earn rewards worldwide without devaluing the power of your FlexPoints.

and Card Value Calculator

You can use this rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on rewards earned and how much each benefit is worth to you minus the fees. You can click the Compare A Card button to compare this card against another card in the same calculator.

All category spend entered in the primary card's column will carry over to all credit card pages on the site so you don't have to re-enter the same information over again.

Credit Card
This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any another rewards card side-by-side by clicking on the Compare A Card button.
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Select a card from the list below to compare it side by side against this card. You can search by card name (e.g. chase sapphire reserve, uber visa) or by rewards program (e.g. thankyou points, membership rewards points).
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0 Cent(s)
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This section allows you to view your rewards as if you transferred them to a partner. Select a transfer partner below and the calculator will alter the calculator to reflect the transfer ratio and the reward currency of the receiving program. This only applies to the currency of the selected card. Not all programs have transfer partners. I also do not have the cash value of points and miles for all transfer partners.
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Enter the cash value of these rewards in cents per point/mile. You can enter the value as X.XX cents or 0.0XXX cents. The maximum value allowed is 15 cents ($0.15) and the minimal value is 0.1 cents ($0.001).
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Covers hotel loyalty status, status with bank rewards programs, and few others. These are added automatically based on card selection, but can be manually added as well.
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Select which loyalty programs you want to include in the calculations. You will be able to select your status with the program and it will calculate additional points/bonuses based on what you enter in the calculator.
Loyalty Programs
Other Bonuses
All card card specific bonuses will be listed here. These are added automatically based on the selected card(s).
Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value. You can use +/- Categories to add and remove categories from the list and Options to copy spend between columns and clear all spend.
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Options
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Select which categories you want to appear in this calculator. You can search categories by typing in a keyword below. De-selecting categories will remove them from this calculator. Categories are changed once you hit 'Update'.
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This will clear the spend in all of the categories in both columns. This will also clear all saved values.
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Copy Right will take the spend from the left column and copy it to the right column. Copy Left will take the spend from the right column and copy it to the left column. The spend amount ($) and unit of time (month, day, quarter) will be copied over.
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Reward Bonuses
This section holds sign up bonuses, loyalty bonuses, and bonus bonuses. Most bonuses here will be listed automatically based on certain criteria. You can click 'Extra Bonus' if you wish to enter your own bonus amount.
Extra Bonus
Any additional bonuses you wish to add such as a sign up bonus or point bonus for adding authorized users
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Total Earnings
Sum of all rewards above this line.
Cash Value of Earnings
Based off of currency worth.
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Monetary Bonuses/Perks
This is a list of cash perks and bonuses associated with the selected card(s). Some perks will be listed here automatically. You can click on 'Perk Bonus' if you want to add additional value for the card.
Perk Bonus
Enter how much you value any unmentioned perks this card offers.
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Annual Fees
This section contains the annual fee and authorized user fee (if applicable) to hold on to the listed card(s).
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Edit the annual fee and authorized user fee of the Card (if applicable).
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Grand Total
The total estimated value you can get out of this card and the amount of return for your spend.
Total Card Value
The value of the card when everything is taken into account.
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Total Return
The percent you are earning per dollar spent on this card.
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Recommended Cards

Uber Card

The Barclay Uber Card is one of the best cards when it comes to earning cash back at restaurants. Why? Because it earns 4% cash back at restaurants, bars, and with UberEats while having no annual fee or foreign transaction fee. It also features several other bonus categories that even consist of video and music subscription services. Cash back earned with this card can be used for statement credits, gift cards, Uber (of course!), and more.

Bank of America Travel Rewards

The Bank of America Travel Premium Rewards Card offers 2x points on both travel & dining and also provides a $100 Global Entry/TSA PreCheck statement credit and a $100 airline credit. Bank of America Points are worth an easy 1 cent each and can be redeemed for a statement credit to pay for travel, cash, or gift cards. Combine it with the no annual fee Travel Rewards Card and you will never get less than a 1.5x points on any purchases!

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Page Last Updated: 2018-04-20

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