U.S. Bank card FlexPerks Select + American Express will save more and earn more because it has no annual fee and gives you flexible rewards that can be redeemed for air travel, merchandise, gift cards and more.
You can earn up to 1 FlexPoint for every $ 1 spent on purchases and also you can easily redeem their FlexPoints, allowing you to travel on over 150 airlines with no blackout dates. Only 20,000 FlexPoints = up to a $ 400.
No annual fee
Annual Percentage Rate (APR) for Purchases: 14.24% to 24.24% based on your credit rating when you open your account. This APR will vary with the market based on the prime rate.
APR for balance transfers: 0% APR for the first 9 billing cycles for balances transferred within 30 days of account opening. After this, 14.24% to 24.24% based on your credit rating when you open your account.
APR for cash advances: 24.24%
Balance transfer 3% of the amount of each transfer or minimum $ 5, whichever is greater.
Convenience Check Cash Advance: 3% of the amount of each advance or minimum $ 5, whichever is greater.
ATM cash advance can be 4% of the amount of each advance or $ 10 minimum, whichever is greater.
Overdraft Protection: None
Foreign Transaction: 2% of each purchase transaction or foreign ATM advance transaction relative to the US dollar or 3% of each advance purchase transaction or foreign ATM transaction in a foreign currency.
Penalty Fees:
Late payment up to $ 37
Charged back Payment up to $ 35
No limit on