The Flexperks Gold Card will be discontinued in 2020. You can still calculate points and compare this card to others using this calculator.

U.S. Bank FlexPerks Gold Card

Card Review & FlexPoints Calculator
3X Restaurant
2X Airline
2X Gas Station
TSA PreCheck / Global Entry
$25 Airline Allowance

Review the benefits of the U.S. Bank FlexPerks Gold Card, calculate how many FlexPoints you can earn based on your spend, and compare results to top cards.

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.

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.

  • 3x Restaurants
  • 2x Airline
    • Must be booked direct; 3rd parties will not qualify (e.g. Expedia, Orbitz).
  • 2x Gas Station
  • 1x Non-Category

Perks & Benefits

The U.S. Bank FlexPerks Gold Card offers a handful of useful benefits which includes complimentary WiFi, access to a dining program, and airline credits.

  • Global Entry/TSA PreCheck Credit
  • Complimentary Boingo Wi-Fi
  • Global Dining Program
    • Grants access to "Taste from American Express".
    • Includes benefits such as discounts on food, complimentary appetizers or a bottle of wine.
  • $25 Airline Allowance
    • Receive up to a $25 allowance when redeeming points for an award ticket.
    • Allowance is good for the airline in which the award ticket was redeeemd for.

Sign Up Bonus (SUB)

The standard sign up bonus for the FlexPerks Gold Card was 30,000 FlexPoints after spending $2,000 within the first four months of account opening. This was equal to as much as $450 when FlexPoints were worth 1.5 cents each, but is now worth $300 at a rate of 1 cent per FlexPoint.


Annual Fee

The FlexPerks Gold Card has an annual fee of $85. With points being only worth 1 cents each, this fee is a little hard to swallow. There are better cards for travel, restaurant, and gas purchases.

Authorized User Fee

The FlexPerks Gold Card has a $0 authorized user fee. I recommend adding friends and family as users if they spend in any of the three categories featured on the card.

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 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 other rewards card side-by-side by clicking on the Compare A Card button.
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Currency Worth
This is the cash value of points and miles used in these calculations. You can click on the amount to change the value or you can select View Rewards As to calculate your rewards when transferred to partners.
View Rewards As...
View Rewards As...
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.
Edit Value
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 ($0.001).
Loyalty/Rewards Programs
Covers hotel loyalty status, status with bank rewards programs, and few others. These are added automatically based on card selection, but can be manually added as well.
/ Loyalty Programs
Add/Remove Loyalty Programs
Select which loyalty programs you want to include in the calculations. You will be able to select your status with the program and it will calculate additional points/bonuses based on what you enter in the calculator.
Loyalty Programs
Other Bonuses
All card card specific bonuses will be listed here. These are added automatically based on the selected card(s).
Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value. You can use +/- Categories to add and remove categories from the list and Options to copy spend between columns and clear all spend.
/ Categories
Add/Remove Categories
Select which categories you want to appear in this calculator. You can search categories by typing in a keyword below. De-selecting categories will remove them from this calculator. Categories are changed once you hit 'Update'.
Currently Selected:
Add Categories On Card Change
When you add/change a credit card comparision, the categories missing from the newly added card will be added to the list of categories. Toggle this off to prevent such from happening.
Clear Spend
This will clear the spend in all of the categories in both columns. This will also clear all saved values.
Copy Spend
Copy Right will take the spend from the left column and copy it to the right column. Copy Left will take the spend from the right column and copy it to the left column. The spend amount ($) and unit of time (month, day, quarter) will be copied over.
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
Total Earnings
Sum of all rewards above this line.
Cash Value of Earnings
Based off of currency worth.
Learn how you can use cash back portals to earn hundreds in cash back every year booking travel and shopping online. Easily double and triple dip on rewards when you combine cash back portals, loyalty programs, and rewards credit cards.
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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.
Annual Fees
This section contains the annual fee and authorized user fee (if applicable) to hold on to the listed card(s).
Edit Fees
Edit the annual fee and authorized user fee of this card (if applicable).
Annual Fee:
Auth Fee:
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.
Total Return
The percent you are earning per dollar spent on this card.

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