topic Re: U.S. Bank Flexperks American Express in Credit Cards

U.S. Bank Flexperks American Express

Anonymous — Tue, 10 Mar 2015 14:39:00 GMT

Hi all, new to posting but I've lurked a little bit when I wanted some personal experience with CC's.

I just got an invitation in the mail for the U.S. Bank Flexperks American Express card found here - https://www.usbank.com/credit-cards/flexperks-travel-rewards-american-express-card.html It was a targeted offer with and invitation code and the best I can tell the differences between the offer and the stardard card signup is 18 months 0% APR and I only have to spend $500 in the first 3 months to get the 20,000 bonus points.

Has anyone else gotten this offer? Or oes anyone have this card? If so, how do you like it and how easy is it to redeem the points? I haven't been able to find many reviews on the card so I figured I'd ask here.

I figured this one was a no brainer with the low required spending and lengthy 0% offer so I applied and I got the dreaded "you will be alerted by U.S. Mail in 7-10 days" response. Hopefully I get it because I think it will be a worthwhile card to have.

Re: U.S. Bank Flexperks American Express

noobody — Tue, 10 Mar 2015 14:53:13 GMT

7-10 days is nomal for US bank, I got this message when I get my cash+ 3 years ago, approved 3 days later for 12K, got this message again 6 months ago, approved Club Carlson Premier for 15K.

Re: U.S. Bank Flexperks American Express

Anonymous — Tue, 10 Mar 2015 14:54:24 GMT

@Anonymous wrote:
Hi all, new to posting but I've lurked a little bit when I wanted some personal experience with CC's.

I just got an invitation in the mail for the U.S. Bank Flexperks American Express card found here - https://www.usbank.com/credit-cards/flexperks-travel-rewards-american-express-card.html It was a targeted offer with and invitation code and the best I can tell the differences between the offer and the stardard card signup is 18 months 0% APR and I only have to spend $500 in the first 3 months to get the 20,000 bonus points.

Has anyone else gotten this offer? Or oes anyone have this card? If so, how do you like it and how easy is it to redeem the points? I haven't been able to find many reviews on the card so I figured I'd ask here.

I figured this one was a no brainer with the low required spending and lengthy 0% offer so I applied and I got the dreaded "you will be alerted by U.S. Mail in 7-10 days" response. Hopefully I get it because I think it will be a worthwhile card to have.

You have an 815 score? Should have an instant approval? I'd get the recon number from someone and call Amex right now. You definitely are creditworthy I'd suspect?

Re: U.S. Bank Flexperks American Express

Anonymous — Tue, 10 Mar 2015 15:07:43 GMT

@noobody wrote:
7-10 days is nomal for US bank, I got this message when I get my cash+ 3 years ago, approved 3 days later for 12K, got this message again 6 months ago, approved Club Carlson Premier for 15K.

Thanks, hopefully it goes through since I don't want to waste an inquiry for nothing.

Re: U.S. Bank Flexperks American Express

Anonymous — Tue, 10 Mar 2015 15:07:27 GMT

@Anonymous wrote:

You have an 815 score? Should have an instant approval? I'd get the recon number from someone and call Amex right now. You definitely are creditworthy I'd suspect?

That's what I thought, I have 100% on-time payment history, <1% credit utilization and it was a targeted offer so I figured I was golden. One problem I could see is that this is now the 4th CC I've applied for in the last 2 years as I've gotten into the game of applying for high bonuses and 0% offers and then rarely using the cards once the intro APR is over.

I will call after work to see what I can find out.

Re: U.S. Bank Flexperks American Express

Anonymous — Tue, 10 Mar 2015 15:20:25 GMT

@Anonymous wrote:
@Anonymous wrote:
Hi all, new to posting but I've lurked a little bit when I wanted some personal experience with CC's.

I just got an invitation in the mail for the U.S. Bank Flexperks American Express card found here - https://www.usbank.com/credit-cards/flexperks-travel-rewards-american-express-card.html It was a targeted offer with and invitation code and the best I can tell the differences between the offer and the stardard card signup is 18 months 0% APR and I only have to spend $500 in the first 3 months to get the 20,000 bonus points.

Has anyone else gotten this offer? Or oes anyone have this card? If so, how do you like it and how easy is it to redeem the points? I haven't been able to find many reviews on the card so I figured I'd ask here.

I figured this one was a no brainer with the low required spending and lengthy 0% offer so I applied and I got the dreaded "you will be alerted by U.S. Mail in 7-10 days" response. Hopefully I get it because I think it will be a worthwhile card to have.

You have an 815 score? Should have an instant approval? I'd get the recon number from someone and call Amex right now. You definitely are creditworthy I'd suspect?

US Bank rather than Amex!

Re: U.S. Bank Flexperks American Express

Anonymous — Tue, 10 Mar 2015 16:00:20 GMT

I have the US Bank FlexPerks Travel Rewards American Express. US Bank normally hand reviews their applications, so the 7-10 day wait is a normal occurrence. I had to wait that long to get approved. You should get it with that score no problem. I like the fact you get 3x Flex Points for charitable contributions. A nice touch. Good luck!

Re: U.S. Bank Flexperks American Express

Anonymous — Tue, 10 Mar 2015 16:10:06 GMT

@Anonymous wrote:
Hi all, new to posting but I've lurked a little bit when I wanted some personal experience with CC's.

I just got an invitation in the mail for the U.S. Bank Flexperks American Express card found here - https://www.usbank.com/credit-cards/flexperks-travel-rewards-american-express-card.html It was a targeted offer with and invitation code and the best I can tell the differences between the offer and the stardard card signup is 18 months 0% APR and I only have to spend $500 in the first 3 months to get the 20,000 bonus points.

Has anyone else gotten this offer? Or oes anyone have this card? If so, how do you like it and how easy is it to redeem the points? I haven't been able to find many reviews on the card so I figured I'd ask here.

I figured this one was a no brainer with the low required spending and lengthy 0% offer so I applied and I got the dreaded "you will be alerted by U.S. Mail in 7-10 days" response. Hopefully I get it because I think it will be a worthwhile card to have.

FlexPerks... What a terrible points program.

My boss has the business select rewards flexpoints program, the points are NOT valued at 1:1. He has over 160k points, US bank values those at <$1,100. I think we did the match and the points come out to 0.66 cents per point when redeemed for cash or 0.80 cents per point when redeemed as a gift card.

Either of those are your BEST redemption options, according to the CSR I got on the phone. Either that or overpriced merchandise. I hope you're not expecting this to be a $200 sign up bonus. If you are, you're going to be disappointed.

Re: U.S. Bank Flexperks American Express

Anonymous — Tue, 10 Mar 2015 16:32:32 GMT

@Anonymous wrote:
@Anonymous wrote:
Hi all, new to posting but I've lurked a little bit when I wanted some personal experience with CC's.

I just got an invitation in the mail for the U.S. Bank Flexperks American Express card found here - https://www.usbank.com/credit-cards/flexperks-travel-rewards-american-express-card.html It was a targeted offer with and invitation code and the best I can tell the differences between the offer and the stardard card signup is 18 months 0% APR and I only have to spend $500 in the first 3 months to get the 20,000 bonus points.

Has anyone else gotten this offer? Or oes anyone have this card? If so, how do you like it and how easy is it to redeem the points? I haven't been able to find many reviews on the card so I figured I'd ask here.

I figured this one was a no brainer with the low required spending and lengthy 0% offer so I applied and I got the dreaded "you will be alerted by U.S. Mail in 7-10 days" response. Hopefully I get it because I think it will be a worthwhile card to have.

FlexPerks... What a terrible points program.

My boss has the business select rewards flexpoints program, the points are NOT valued at 1:1. He has over 160k points, US bank values those at <$1,100. I think we did the match and the points come out to 0.66 cents per point when redeemed for cash or 0.80 cents per point when redeemed as a gift card.

Either of those are your BEST redemption options, according to the CSR I got on the phone. Either that or overpriced merchandise. I hope you're not expecting this to be a $200 sign up bonus. If you are, you're going to be disappointed.

Aren't the best redemptions travel? As it says on the site, 20K points earns up to a $400 ticket.

Re: U.S. Bank Flexperks American Express

Anonymous — Tue, 10 Mar 2015 16:49:52 GMT

@Anonymous wrote:
@Anonymous wrote:
Hi all, new to posting but I've lurked a little bit when I wanted some personal experience with CC's.

I just got an invitation in the mail for the U.S. Bank Flexperks American Express card found here - https://www.usbank.com/credit-cards/flexperks-travel-rewards-american-express-card.html It was a targeted offer with and invitation code and the best I can tell the differences between the offer and the stardard card signup is 18 months 0% APR and I only have to spend $500 in the first 3 months to get the 20,000 bonus points.

Has anyone else gotten this offer? Or oes anyone have this card? If so, how do you like it and how easy is it to redeem the points? I haven't been able to find many reviews on the card so I figured I'd ask here.

I figured this one was a no brainer with the low required spending and lengthy 0% offer so I applied and I got the dreaded "you will be alerted by U.S. Mail in 7-10 days" response. Hopefully I get it because I think it will be a worthwhile card to have.

FlexPerks... What a terrible points program.

My boss has the business select rewards flexpoints program, the points are NOT valued at 1:1. He has over 160k points, US bank values those at <$1,100. I think we did the match and the points come out to 0.66 cents per point when redeemed for cash or 0.80 cents per point when redeemed as a gift card.

Either of those are your BEST redemption options, according to the CSR I got on the phone. Either that or overpriced merchandise. I hope you're not expecting this to be a $200 sign up bonus. If you are, you're going to be disappointed.

Logged in on my US Bank FlexPerks Travel Rewards Account and the minimum values I found were 1:1 for cash and value was higher dependent on the travel type being utilized. To each his own.

Re: U.S. Bank Flexperks American Express

Anonymous — Tue, 10 Mar 2015 17:09:40 GMT

@Anonymous wrote:
@Anonymous wrote:
Hi all, new to posting but I've lurked a little bit when I wanted some personal experience with CC's.

I just got an invitation in the mail for the U.S. Bank Flexperks American Express card found here - https://www.usbank.com/credit-cards/flexperks-travel-rewards-american-express-card.html It was a targeted offer with and invitation code and the best I can tell the differences between the offer and the stardard card signup is 18 months 0% APR and I only have to spend $500 in the first 3 months to get the 20,000 bonus points.

Has anyone else gotten this offer? Or oes anyone have this card? If so, how do you like it and how easy is it to redeem the points? I haven't been able to find many reviews on the card so I figured I'd ask here.

I figured this one was a no brainer with the low required spending and lengthy 0% offer so I applied and I got the dreaded "you will be alerted by U.S. Mail in 7-10 days" response. Hopefully I get it because I think it will be a worthwhile card to have.

FlexPerks... What a terrible points program.

My boss has the business select rewards flexpoints program, the points are NOT valued at 1:1. He has over 160k points, US bank values those at <$1,100. I think we did the match and the points come out to 0.66 cents per point when redeemed for cash or 0.80 cents per point when redeemed as a gift card.

Either of those are your BEST redemption options, according to the CSR I got on the phone. Either that or overpriced merchandise. I hope you're not expecting this to be a $200 sign up bonus. If you are, you're going to be disappointed.

Did they change the program or does the business card not allowed points to be redeemed for travel? It says very clearly on the website that 20000 points are good for a $400 airline ticket.

Re: U.S. Bank Flexperks American Express

ddemari — Tue, 10 Mar 2015 18:32:17 GMT

If u call the status line, it should tell u approved or not.

Re: U.S. Bank Flexperks American Express

Anonymous — Tue, 10 Mar 2015 19:11:49 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
Hi all, new to posting but I've lurked a little bit when I wanted some personal experience with CC's.

I just got an invitation in the mail for the U.S. Bank Flexperks American Express card found here - https://www.usbank.com/credit-cards/flexperks-travel-rewards-american-express-card.html It was a targeted offer with and invitation code and the best I can tell the differences between the offer and the stardard card signup is 18 months 0% APR and I only have to spend $500 in the first 3 months to get the 20,000 bonus points.

Has anyone else gotten this offer? Or oes anyone have this card? If so, how do you like it and how easy is it to redeem the points? I haven't been able to find many reviews on the card so I figured I'd ask here.

I figured this one was a no brainer with the low required spending and lengthy 0% offer so I applied and I got the dreaded "you will be alerted by U.S. Mail in 7-10 days" response. Hopefully I get it because I think it will be a worthwhile card to have.

FlexPerks... What a terrible points program.

My boss has the business select rewards flexpoints program, the points are NOT valued at 1:1. He has over 160k points, US bank values those at <$1,100. I think we did the match and the points come out to 0.66 cents per point when redeemed for cash or 0.80 cents per point when redeemed as a gift card.

Either of those are your BEST redemption options, according to the CSR I got on the phone. Either that or overpriced merchandise. I hope you're not expecting this to be a $200 sign up bonus. If you are, you're going to be disappointed.
Did they change the program or does the business card not allowed points to be redeemed for travel? It says very clearly on the website that 20000 points are good for a $400 airline ticket.

Interesting, it seems that only the flexperks business program is that bad...

Re: U.S. Bank Flexperks American Express

Anonymous — Tue, 17 Mar 2015 12:44:51 GMT

Well, it took about 8 days but yesterday my shiny new US Bank American Express Flexperks card came in the mail with an initial credit limit of $11k. Does anyone know if US Bank does hard pulls or soft pulls on CLI requests? While I will likely never use more than 10% of my CL at any time, I like the limits to be as high as possible for credit score reasons. Thanks

Re: U.S. Bank Flexperks American Express

noobody — Tue, 17 Mar 2015 13:06:24 GMT

HP if you request, but they are the only one give me auto sp CLI (cash+ 12K to 16.5K) in recent memory, I do have a few cards.

Re: U.S. Bank Flexperks American Express

NRB525 — Tue, 17 Mar 2015 13:17:24 GMT

@noobody wrote:
HP if you request, but they are the only one give me auto sp CLI (cash+ 12K to 16.5K) in recent memory, I do have a few cards.

OP, just be patient. If this is anything like my other two oldest US Bank VISAs, CLI will be arriving soon enough.

I did get the VISA version of the Travel Rewards card, closed it after I figured out the rewards earning structure (after any bonus) is terrible. Once you get 20,000 points you can do something, but that 20,000 points takes a while to earn with the squishy categories they have.