Flexperks Gold Card Calculator

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.
Updated 2020-06-14 By Robert Flowers III

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.

Quick Details
Issuing Bank
Card Network
Rewards Earned
Annual Fee
Authorized User Fee
Foreign Transaction Fee

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 or TSA PreCheck Credit
    • Global Entry is for speeding through customs when re-entering the states; also grants TSA PreCheck if approved.
    • TSA PreCheck is for expedited screening through TSA checkpoints.
  • 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

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.

Rewards Calculator

You can use the 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 the value of the rewards earned and how much each benefit is worth to you, minus the annual fees. You can click the Compare A Card button to compare this card side by side any other card featured on the site within the same calculator.

Note! All category spend entered in the primary card's column (first column when comparing cards) will carry over to all credit card calculators on the site. This means you will not have to re-enter the same information again and again when browsing during the session.

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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These are similar cards based on earning structure and other benefits (that aren't part of the same family).
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Search for credit cards by name, rewards program, or rewards currency.
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Category Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value, +/- Categories to add and remove categories from the list, and Options to copy spend between columns and clear all spend.
Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
Type at least 3 characters.
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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/Mobile
Clear All Spend will clear the spend in all categories in both columns and all saved values (cookies). Clear Mobile will remove the mobile pay option from all categories in both columns.
Copy Spend
Copies all spend amounts and their units of time from one column to the other. Does not copy mobilepay indicator.
Total Earnings
The sum of all rewards earned from Category Spending and Reward Bonuses, along with the cash value of it all based on Currency Worth.
From Spending
From Bonuses
From Loyalty
Cash Value
Cash value of Total Earnings based on Currency Worth.

Rakuten Rewards

$25 Bonus
Earn $25 or 2,500 Membership Rewards Points when you sign up for a Rakuten Rewards account and make a $25+ purchase. Rakuten and other cash back portals allows you to easily double and triple dip on rewards. I recommend using portals when booking travel or shopping online. You can sign up through The Point Calculator referral link to help out the site.
Sign Up For Free | Rakuten Review
Monetary Bonuses & Fees
Cash bonuses, annual fees, authorized user fees, and any other listed fees.
Monetary Bonuses
Annual Fee
Auth User Fee
Cash Bonuses
Annual Fee
Auth User 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 based on spend, benefits, and fees.
Total Return
The percent you are earning based on spend, earnings, and fees.

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