www.USbank.com/myflexperks Invitation Offers

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A credit score is a number generally between 300-850, based on a statistical analysis of a person's credit files. This score represents the credit worthiness of a person. A credit score is assigned to each individual, to rate how risky a borrower he or she is--the higher the score, the less risk the individual poses to creditors. In most cases, your credit score will determine whether you will be approved for a credit card.

A credit score is a number generally between 300-850, based on a statistical analysis of a person's credit files. This score represents the credit worthiness of a person. A credit score is assigned to each individual, to rate how risky a borrower he or she is--the higher the score, the less risk the individual poses to creditors. In most cases, your credit score will determine whether you will be approved for a credit card.

  1. Credit Scores range from 300-850, the higher the better.
  2. Most lenders base approval on your credit score.
  3. Higher Scores mean lower payments and better deals.
  4. Higher Scores mean Lower interest rates.
  5. Scores are determined by 5 main categories:
    • Payment History
    • Amounts Owed
    • Length of Credit History
    • Type of Credit Used
    • New Credit

Note: Credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any credit card product.

*See the online credit card applications for details about terms and conditions of credit card offers. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the " Apply Now " button you can review the credit card terms and conditions on the credit card issuer's web site.


US Bank FlexPerks® Travel Rewards Visa Signature® Card

Usbank flexperks review

Usbank flexperks review

- Get 20,000 bonus FlexPoints after the first $3,500 in net purchases within the first four months.

- Award travel starts at just 20,000 FlexPoints (up to a $400 ticket value) on over 300 airlines with no blackout dates or online redemption fees

- Earn one FlexPoint for every $1 of eligible net purchases charged to your card

- Earn two FlexPoints for every $1 spent on gas, grocery or airline purchases - whichever you spend most on each monthly billing cycle 2014 and on most cell phone expenses

- Earn Triple FlexPoints for your charitable donations

- $0 intro Annual Fee* the first year, after that $49*

- Earn 3,500 bonus FlexPoints each year when you spend $24,000 in Net Purchases.

- You can redeem these FlexPoints for your annual fee or combine them with other FlexPoints for travel or many other rewards

Usbank flexperks review

Usbank flexperks review

Usbank flexperks review

Usbank flexperks review

No Annual Fee Credit Cards

Usbank flexperks review

Points Rewards Credit Cards

Usbank flexperks review

Usbank flexperks review

Usbank flexperks review

Usbank flexperks review

Usbank flexperks review

Usbank flexperks review

Low Interest Credit Cards

Usbank flexperks review

Usbank flexperks review

Usbank flexperks review

Usbank flexperks review

Usbank flexperks review

- Instant Decision Card

- Low Interest Credit Card

The US Bank FlexPerks Travel Rewards Visa Signature Card is geared to those who enjoy traveling. The application is available online and includes a lot of introductory benefits. Once the application is completed, it can be submitted over the internet for faster processing. Depending on the ability to verify information, a credit decision can be provided within minutes.


An Update on Our US Bank Flexperks Visa Applications (Plus Lessons Learned)

Well, the dust has finally settled on both of our US Bank FlexPerks Visa applications. I wrote about this offer last month, and said that I went ahead and applied due to all the reasons mentioned in the post.

Both apps went to pending status and it took a long time to finally hear about the status from US Bank. Drum roll, please… My application was denied due to me having too many credit inquiries. My husband’s app, on the other hand, was approved.

The anatomy of applications

We have a similar number of inquiries. As in, we switch credit cards constantly, though my husband doesn’t handle that part, he just uses whatever I give him. I don’t follow any particular schedule and simply apply when I find the offer where the “juice” is worth the squeeze, at least for my family’s situation. Basically, we meet the spend and immediately get a new card, and so on.

At the time of application he had two credit cards: US Bank Cash Plus and US Bank Club Carlson Visa Signature. I went ahead and canceled the last one, just in case. Club Carlson points aren’t that valuable to me, though I still think you can get great value if you use them strategically.

Anyway, US Bank can be stingy with giving out new credit, so I wanted to play it safe. Bye bye Club Carlson and thanks for the memories! You and my husband had a beautiful affair, there is nothing to regret. I only had one card: Club Carlson Visa Signature, so I didn’t think it was necessary to cancel it. Besides, I just got in on US Bank checking account promo, and needed at least one active credit card in order to get maintenance fees waived on a monthly basis.

But first, there was a matter of applying for Chase Sapphire Reserve. I did’t want to touch Flexperks offer till I scratched my CSR itch. As I wrote few weeks ago, I was pre-approved for it in branch, so went ahead and applied for Chase Sapphire Reserve and got it. My husband didn’t have pre-approval in his profile, so I didn’t bother trying.

OK, now it was time to apply for Flexperks offer (X 2). And both went to pending status. Few weeks later I finally got my denial letter. I actually wasn’t going to call reconsideration line. I’ve dealt with US Bank before and usually when they say No, they mean it.

But my contributor Nancy has convinced me to give it a shot. She said that her husband’s app went to pending status. He called US Bank and was told that he was automatically denied by the system but they would forward it to someone in underwriting for a manual review. Lo and behold, his shiny new Flexperks card showed up in the mail a week later.

So, I called the number 1(800) 947-1444. After a very, very, very long wait I finally got a credit analyst on the phone. He looked at my application and said there is nothing he can do. I thanked him politely, hung up and decided to cut my losses. I figured the same thing would happen to my husband’s application, but few days later I saw Flexperks card in his online profile. Score!

It’s impossible to say. I thought perhaps Chase pulled TransUnion for CSR application, but when I checked my free credit report, that wasn’t the case. US Bank is known to pull TransUnion in Florida, so I wasn’t surprised to see it listed there. You can click this link on CreditBoards site and check results for your state.

To be honest, I don’t pay much attention to what bank pulls which credit bureau. I simply apply when an offer is calling my name and hope for the best. You won’t know unless you try, and I definitely didn’t want the increased Flexperks deal to slip away without me at least giving it a shot.

It’s possible that my husband was approved due to having longer history with US Bank. I also use his US Bank Cash Plus card on a regular basis, albeit for 5% categories. I can’t imagine why US Bank would want him as a customer, but it does.

Is my denial due to me being a woman? Anything is possible.

I’m kidding, people! I just got a kick out of this retro stock photo image. I would NOT want to cross that fierce Amazonian woman. Look at those broad shoulders and super long fingers. Wonder Woman who?

I did wonder if maybe it was unwise to apply for offers that only gave me $200 in cash (made earlier this year). Would skipping those change my outcome with US Bank Flexperks offer? It’s impossible to say. Which is why I don’t plan to change the way I do things. Yes, it’s a good idea to have a certain threshold when it comes to sign-up bonuses.

That said, if I need cash, I’ll settle for as little as $200, especially if at the moment I have plenty of miles and hotel points. Obviously, I try to shoot for more lucrative offers, something in the neighborhood of $300, but free money is free money.

With all the current negative developments in the miles and points hobby, it’s key to be adaptable and keep your eyes on the prize. What is the prize? For me it’s traveling with as little out-of-pocket cost as possible.

At times, it may mean staying in a fancy hotel via credit card bonus certificates via Chase Hyatt Signature Visa. Other times, it might be using $200 from the sign-up bonus to cover costs associated with airport parking. Sure, the latter is way less sexy, but not any less important.

If you’ve found this content beneficial, please look at Support the Site page for ways you can help keep the blog running. Also, subscribe to receive free updates through email and recommend me to your family and friends. You can follow me on Twitter, like me on Facebook and download my free e-book

Leana is the owner and founder of Miles For Family. She enjoys beach vacations and visiting her family in Europe. Originally from Belarus, Leana resides in central Florida with her husband and two children.


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  • 1.FlexPerks® Travel Rewards Visa Signature® Card | U.S. Bank

Description: The FlexPerks Travel Rewards Visa Signature Card gives you flexible rewards that can be redeemed for air travel, merchandise, gift cards and more.

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Description: Earn rewards faster with the FlexPerks American Express and Visa credit cards - you choose the type of rewards you want to earn.

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Description: The FlexPerks Travel Rewards Visa Signature Card gives you flexible rewards that can be redeemed for air travel, merchandise, gift cards and more.

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US Bank FlexPerks 20,000 Point Sign Up Bonus

Last week while cashing out my US Bank Cash Plus card, I mentioned that I converted my US Bank FlexPerks card to the Cash Plus card to avoid the annual fee.

As I was reviewing the terms for the U.S. Bank FlexPerks® Travel Rewards American Express® Card I realized something special. I checked back in my notes and I used to have the Flexperks Visa… not the American Express! That means it’s time to pick up a new bonus!

The U.S. Bank FlexPerks® Travel Rewards American Express® Card offers a 20,000 sign up bonus. It’s our Free Money Friday offer this week.

  1. Sign up for the U.S. Bank FlexPerks® Travel Rewards American Express® Card*.
  2. Spend $3,500 within four months from account opening.
  3. Get 20,000 bonus FlexPoints.

*Find and compare all current credit card offers in our credit card directory.

  • Annual Fee: $49 (waived for the first year).
  • FlexPoints will post to your FlexPerks account in 6-8 weeks.
  • You are eligible to receive one-time bonus FlexPoints for each new FlexPerks Travel Rewards Card account type.
  • Existing and previous FlexPerks Travel Rewards Card accounts do not qualify for bonus FlexPoints for a similar account type.

Earning FlexPoints. Earn 1 point per $1 on all purchases and double on restaurants and on fast food, most cell phone purchases and triple points on charitable donations. You can also earn double points on the category you spend the most on (groceries, airline travel or gas) each billing cycle.

Redeeming FlexPoints. You can redeem FlexPoints for award travel on more than 150 airlines. In general 20,000 FlexPoints gets you a $400 airline ticket value. You can also redeem your Flexpoints for gift cards or statement credits.

Additional Features. The FlexPerks card also offers $25 airline allowance for baggage fees, no foreign transaction fees, and smart chip technology.