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U.S. Bank FlexPerks Program Review

With select U.S. Bank cards, this flex perks program could provide you with a variety of rewards redemption options.

U.S. Bank FlexPerks is the rewards program for four of U.S. Bank’s credit cards. The U.S. Bank FlexPerks program offers both consumers and businesses good rewards-earning potential and redemption value if you book travel regularly. In addition to redeeming FlexPoints for travel, you can use your FlexPerks rewards for statement credits, cash back, gift cards and merchandise.

U.S. Bank FlexPerks Rewards Cards

U.S. Bank offers four credit cards that offer FlexPerks rewards in the form of FlexPoints with three personal credit cards and one business credit card.

U.S. Bank FlexPerks-earning cards

• U.S. Bank FlexPerks® Gold American Express® Card
• U.S. Bank FlexPerks® Select+ American Express® Card

Best Features

FlexPoints can be redeemed on any FlexPerks card at 1.5 cents per FlexPoint value when booking travel directly through U.S. Bank. This premium redemption option is even available on FlexPerks cards that don't have an annual fee.

While each FlexPerks card earns FlexPoints at different rates, the category bonuses offered on select U.S. Bank FlexPerks cards include everyday purchase categories like gas, grocery stores and cellphone service.

The higher 1.5 cent per FlexPoint value for travel redemptions is a nice benefit, but you must book through U.S. Bank's travel portal. This can limit your redemption options. Additionally, travel is the only redemption option that values FlexPoints above 1 cent a piece. If you don't travel often, you'll be stuck redeeming FlexPoints at the lower 1 cent per point value.

U.S. Bank imposes minimum redemption amounts for statement credits and cash back. Statement credits require a minimum of 2,500 FlexPoints for a $25 statement credit and cash back requires a minimum of 5,000 FlexPoints for $50 cash back. Gift card redemptions also start at 5,000 FlexPoints for a $50 gift card.

Your FlexPoints won't last forever, either. They expire at the end of the calendar quarter that is five years after the date they were earned.

Earning Rewards

U.S. Bank FlexPerks cards earn FlexPoints at different rates:

• U.S. Bank FlexPerks Gold American Express Card: Earn five points per dollar on prepaid hotels and car rental bookings made directly through the FlexPerks Rewards Center, three points per dollar at restaurants, two points per dollar for airline tickets and gas and one point per dollar on all other purchases. You can earn 30,000 bonus points when you spend $2,000 on purchases within the first four months.
• U.S. Bank FlexPerks Select+ American Express Card: Earn one point per dollar spent on all purchases. You can earn 10,000 bonus points when you spend $1,000 on purchases within the first four months.

Rewards Redemption Options

U.S. Bank FlexPerks cardholders can use their points to:

• Book travel such as flights, hotel stays and car rentals
• Purchase merchandise
• Purchase gift cards
• Get a statement credit
• Get cash back
• Purchases at participating retailers

Rewards Redemption Value

The U.S. Bank FlexPerks program's points have different values depending on your redemption option:

• Travel categories such as air travel, hotel stays and car rentals: 1.5 cents per point
• Cash back: 1 cent per point
• Statement credit: 1 cent per point
• Gift cards: 1 cent per point
• Merchandise: varies based on item purchased

In order to redeem FlexPoints for travel categories such as air travel, hotel stays and car rentals, you need to book directly through U.S. Bank to get the higher 1.5 cents per FlexPoint value.

Transferring FlexPoints

U.S. Bank FlexPerk's FlexPoints cannot be transferred to other airline or hotel loyalty programs. However, they can be transferred to another FlexPerks FlexPoints account for free.

U.S. Bank FlexPerks is best for:

• People who travel frequently.
• People who make purchases in a card's bonus points categories.
• Cardholders who can pay off their balance in full each month.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

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Rewards FAQs

Viewing rewards.

If you have a card with rewards, but it does not appear on the Rewards Center, then online reward redemption is not available for that particular card.

• Harley-Davidson® Visa cardmembers can redeem H-D™ Genuine Rewards points for Harley Chrome® Cash certificates.

Your rewards available for redemption are determined by the minimum redemption amount your program allows. For example: If the minimum redemption amount needed to redeem is $5, you are able to redeem each time your account reaches increments of $5. The level and specific dollar increments that your card program requires may be different than your current reward balance.

For credit cards, pending rewards have been accumulated since your last statement date, but cannot be used until your next statement generates. Once you receive your next statement, pending rewards become earned rewards.

For FlexPerks Cash Bonus check cards, pending rewards have been accumulated but have not yet been credited to your cash reward account. Rewards are credited on a weekly basis. Select the "View Pending Rewards" button on the Rewards Details page to view your pending rewards balance.

Redeeming Rewards

If online rewards redemption is available for your card, to redeem rewards, visit the Rewards Center home page, and:

For FlexPerks Cash Bonus check cards and FlexPerks Cash Rewards credit cards

Select the card name within the Rewards Summary. Select the ‘Redeem Rewards’ button on the Rewards Details page.

For FlexPerks Travel Rewards and FlexPerks Select Rewards check cards and all other rewards credit cards (where online redemption is available)

Select the ‘View’ link within the Credit Card Rewards Summary.

• How quickly are my rewards totals updated online after I redeem? Your redeemed rewards will be subtracted from your rewards totals immediately.

FlexPerks Cash Bonus check cards-  rewards expire after 36 months. 

For credit cards - some rewards can expire if they are not redeemed within the allotted timeframe. Please refer to your Cardmember Agreement for details, or contact us.

• Can I redeem rewards within the Rewards Center if I close my check card or credit card? No.  To redeem rewards an account must be open and in good standing.
• Will my earned rewards be reversed if I make purchase returns or exchanges? Yes. Once the transaction information is received your rewards total will be updated.
• Does redeeming rewards for a statement credit count towards my minimum payment due? No.  You will still be responsible for paying your full minimum payment due.

Additional Questions

If you have additional questions, please  Contact Us . 

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Hustler Money Blog

Best Bank Bonuses and Promotions

The Complete Guide to U.S. Bank FlexPerks: FlexPoints Rewards

By Anthony Nguyen Last updated: June 21, 2022 Leave a Comment

If you’re looking for a minimal and straightforward rewards program, then check out U.S. Bank FlexPerks® because they apply to several credit cards issued by the bank. This loyalty program offers decent earning potential and great redemption value if you tend to travel often. Besides travel, you can use your FlexPoints for statement credits, cash back, gift cards and merchandise.

See our list of the best credit card bonuses here.

Keep reading for an in-depth review of the FlexPerks program, including all the ways to earn and burn as well as tips and tricks to get the most out of your FlexPoints.

Table of Contents

U.S. Bank FlexPerks Summary

Earning u.s. bank flex points.

*2x FlexPoints on ONE category which has the highest total that billing cycle. **On select merchants in these categories.

If you are a little low on FlexPoints, you can always buy them. Keep in mind that we don’t recommend buying points because you will be putting out more money than what the points are worth. We value each FlexPoint at $0.015 when you redeem but purchasing the points will cost you much more.

Redeeming U.S. Bank FlexPoints

Use your FlexPoints to:

• Book travel
• Get statement credits
• Get cash back
• Purchase gift cards
• Purchase merchandise

You can’t transfer your FlexPoints to another airline or hotel loyalty program, but that’s not necessarily a bad thing. Instead of trying to find a good deal with a transfer partner, FlexPerks spares you the headache by offering travel awards with good value. Let’s check them out below.

FlexPoints have the best value when you use them for travel through the FlexPerks travel portal. Each point is worth $0.015 when you redeem with more than 150 airlines, hotel chains and rental car companies.

Use your FlexPoints for statement credits and cash back:

• 2,500 FlexPoints for a $25 statement credit
• 5,000 FlexPoints for $50 cash back

Both statement credit and cash back will give you a point value of $0.01 each.

Use your FlexPoints for gift cards which you can use yourself, or give away. Participating retailers include:

• Office Depot
• Pottery Barn
• Saks Fifth Avenue
• Starbucks Coffee

Gift card redemptions start at 5,000 FlexPoints for a $50 gift card, which gives you a point value of $0.01 each.

Use your FlexPoints for a variety of items: electronics, designer clothing, household goods and unique collector’s items. Brands include:

FlexPoint values for merchandise varies by item, but you can expect each point to be worth less than $0.01.

Real-time mobile rewards lets you use your FlexPoints instantly from your mobile device for a FlexPerks Visa Card purchase of your choice. To use:

• Make almost any purchase with your FlexPerks Visa Card.
• Receive a text to redeem FlexPoints for that purchase.
• Reply, “Redeem.”

For travel purchases made with mobile rewards, each FlexPoint is worth $0.015. For all other purchases, you’ll get a $0.01 per point value.

U.S. Bank FlexPoints Tips & Tricks

U.S. Bank recently rolled out real-time mobile rewards, which allows you to redeem your FlexPoints for travel at $0.015 per point without having to go through the FlexPerks travel portal.

Most other credit card reward programs – like Chase Ultimate Rewards and Citi ThankYou – require you to book travel through their online portal to get better value for your points.

As mentioned in the previous sections, occasionally, U.S. Bank will offer promotions that will help you get more value out of your points.

These promotions vary by credit card, location and time period. Make sure to check online often to see if you’re eligible for a promotion. Simply enter your credit card number on the FlexPerks Promotions page.

Because you have the ability to share your FlexPoints with other members in the FlexPerks program, you can combine points from multiple accounts if you are short a few points. The latter applies if you have more than one FlexPerks credit card.

Bottom Line

People who tend to travel often will want to check out the U.S. Bank FlexPerks because it offers excellent value when you redeem your points for travel. The rewards program is simple to use and doesn’t require much effort or thought on your end.

However, if you want to mess with your points to maximize your rewards, you will want to go with another credit card rewards program that lets you transfer to airline and hotel loyalty programs, like Chase Ultimate Rewards or American Express Membership Rewards.

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How to Redeem US Bank FlexPoints for Airlines Tickets

I’ve talked about US Bank FlexPerks a few times in the past:

• What’s on My Mind: US Bank FlexPerks FlexPoints (June 10)
• Lesser Known Perks of the US Bank FlexPerks Travel Rewards Credit Card (May 31)
• My Strategy for the US Bank FlexPoints Credit Card (May 11)
• Quick Thought: The US Bank FlexPerks Travel Rewards Visa might be the Worst Travel Credit Card Ever (April 4)
• App-O-Rama Update: US Bank FlexPerks Travel Rewards Credit Card Finally Arrived (March 31)

I *highly* recommend reading the post from May 11 that highlights my way of MSing FlexPerks.  The brief run down is:

• 20,000 FlexPoints = up to $400 in travel
• To earn 20,000 FlexPoints, you need to spend $10,000 in grocery stores (2x on all grocery store purchases)
• $10,000 / $500 Gift Cards = 20 Gift Cards
• 20 Gift Cards x $5 activation fee = $100 out of pocket expense
• $400 in travel – $100 out of pocket expense = $300 “free travel money”

Some other interesting points of FlexPoints:

• Get 3,500 FlexPoints each cardmember year you spend $24,000 in net purchases, which can be redeemed for your annual fee or towards other rewards of your choice.
• Get up to a $25 airline allowance with every award travel ticket good towards baggage fees, in-flight treats and more. (Ohhh in-flight treats/food/drinks – After travel, just call Cardmember Services at 877-978-7446 to request a statement credit within 90 days of your award ticket travel flight.)
• Earn frequent flyer miles on the airline you fly for your award travel flight.

With that said, here is how to redeem US Bank FlexPerks for airfare.  Find a flight you want that costs less than $400, but ideally as close to $400 as possible.  20,000 FlexPerks can be used on a $100 ticket, a $200 ticket, a $300 ticket, or a $399 ticket.  All those tickets cost the same number of FlexPerks, so find the best flight and don’t worry about the cost.  In the example below, I need to get from SFO to LAS for a bachelor party and need these specific flights.  Southwest Airlines and Virgin America have flights at the same time that are both more expensive than the flight shown below.

Log into your US Bank account and click on My Accounts and My Rewards.

Click Redeem Rewards under your Flexperks credit card.

Click on Travel Rewards in the center of the screen.  You will be able to see your current Flexperks balance in the upper right corner.

Click on Explore Travel in the center of the screen.

Remember, these are the flights, times, and flight numbers of the flights I want to book.

Enter your search terms into the search box.  You can book round trips, one way trips, or multi-destination trips (great for 2 random one ways to maximize the value out of your Flexperks.  Then click Search Flights at the bottom.

The Flexperks online portal is run by Orbitz, in case you were wondering.  The search results are grouped by airline and number of stops.  Click the box that corresponds with the flight you want to book.  As you can see, almost all the flight options shown are at the 20,000 Flexperks level (cost of airfare is $400 and below).

Find the outbound flight you want from the list of choices.

Then find the return flight you want from the list of choices. Hint: avoid clicking on any flight that is not 20,000 FlexPerks (see the big red X?).

This page shows a preview of your flights as well as the number of Flexperks you will redeem for the itinerary.  It is nice the FlexPerks pays for the whole flight including taxes and fees.

Enter the passenger’s personal information, frequent flyer account info (you can change/enter this info later), and click Continue.

Enter the passenger’s contact information and click Continue.

Pick your outbound and return seats then click Continue.  If you have elite status with the airline, you may want to wait until after the flight is booked and make your seat selection from the airline’s website.

Preview the price of the ticket one last time and click Complete Reservation.

Your reservation is complete and your Flexperks balance will show your new balance.  Click View Trip Details to view/print your itinerary.

Here is your flight itinerary.  Check your email for an email from FlexPerks.  You will find the reservation number for the airline that can be used to view/change your reservation online.

I can find my reservation on United.com just by entering my United Confirmation Number.  From here, you can change your seats, enter your TSA pre Check number, or change your frequent flyer account attached to the reservation.

Back in your US Bank Flexperks account, you can view your Points Summary and remaining Flexperks balance.

Also, you can transfer Flexperks to anyone with a Flexperks credit card account.  If you need to purchase FlexPerks, you can do so online in 1,000 point increments for $20 each.

If you have any questions, please leave a comment below.

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61 thoughts on “ how to redeem us bank flexpoints for airlines tickets ”.

Thank you for this great post. If I’m following this right (still new to this whole FlexPerks thing), so the way to maximize the 20,000 points is to choose the ticket as close as $400 value, and the ticket itself can be roundtrip or multiple destination and that still counts as 1 ticket, isn’t it? For example your round trip SFO-LAS count as 1 ticket with 20,000 points.

By the way, just curious how did you end up with 46k points? I know that 20k is from the sign up bonus, but the additional 26k? even if you meet the minimum spend of $10k it still end with 30k points total.

Enjoy your bachelor party and have a blast in LV!

Yes, you are correct. It can be a one way, a round trip, or a multi-destination (I’m not sure what the maximum number of flights is). Any ticket from 1 cent to $399.99 will cost the same 20,000 Flexperks.

I originally signed up during the 2014 Winter Olympics promo when the sign up bonus was 20,000 + 7,450 bonus Flexperks after spending $3,500 in 4 months. I did quite a bit of MSing on this card at grocery stores to get to 46,000 Flexperks.

Wow amazing ! Hope I signed up on that time …. oh well….. hopefully they run another sign up bonus promo again…

They seem to run lots of promos during the summer and winter Olympics, so you might have to wait until June 2016 for another good promo…

This card is crazy. I mean yes you can probably get more points value than any other card but you would have to get flights in the $350 to $399 range. I can only assume hotel rooms run on the same crazy system? My Cancun flights can usually be found for just under $400 but risking going over by $10 and loosing half the points value is to much risk for me. Why would any one use this card over a BA or CSP?

As far as I know, you can only redeem Flexperks for airfare, not for hotels. You need to cherry pick your flights to find the flight in the $350-$399 range that *does not* have award space. The reason I like this card is because you can spend $100 MSing and get up to $400 in airfare. You can argue that the Barclays Arrival is better with its 2.2% cash back, but you can’t MS the Chase Sapphire Preferred. If I could get a Barclays credit card, I would. But they really don’t like me.

What is MSing?

Manufactured Spending = spending a lot of money to earn miles and points and getting all or most of the money back.

What do you mean ” can’t ms with csp”? Why not? I guess Barclay’s shut you down for to many trips to the pharmacy and grocery store.? Lol

Barclays has never approved me for any credit card (there loss I suppose). Since the CSP earns 2x on restaurants and travel, you can’t really MS those purchase like you can if they had grocery stores or pharmacies as bonus categories. I do use my Chase Ink Bold for lots of MS at Staples though.

Ok gotcha. I’m looking to get another card at the first of the year. Just have the Southwest card now and I’m in an all out push for that lucrative companion pass. MS sure would be funner getting extra points like the Ink card gives. Still that 2 points for e ere purchase plus 10% back from BA is hard to resist. Owe what to do?

Both are good cards. When I read BA I think British Airways not Barclays. How close are you to the SWA companion pass?

Yes I’m talking about Barclays. I have had the SW card for 30 days and have 60K miles with the 50K that came as a bonus. I just started to MS two weeks ago. They really make it hard to get the cp when you get the card in the middle of the year. I’m going to have step up my game to get all these points by 12/31. Next time I see a sears 10x portal deal it Amazon seller time.

You can transfer hotel points to SWA Points. 50,000 Hyatt Points converts to 30,000 SWA Points. I did that to get my companion pass.

That’s why I have been thinking CSP. IMO the CSP is not as valuable as the BA especially since they dumped the annual bonus. But given my situation CSP or Hyatt might be the only way to earn that companion pass.

I just got an offer from US BAnk Edge Platinum card. It states you will receive one discounted companion airfare certificate good on your choice of 19 airline partners. Two airfare tickets for one low price, no blackout dates. Does anyone have any experience with them?

Hi Sabrina, can you email the offer to me? I haven’t heard about that offer before. What is the price of the discounted companion certificate? How many companions can you bring along?

I received the same offer as Sabrina, and this comment is one of the only references to it. Finally scoured the offer and the fine print on the back of the paper application states: “The discounted companion ticket is only available on fares offered through Promotions in Travel LDT.”

Thank you Ni. Would you be able to forward the email to me so I can see what the offer looks like?

Can you pay to upgrade your airline seat selection after you have redeemed your Flexperk points?

It depends what fare class your ticket is booked in. If you have airline elite status, you might get upgraded at the airport.

Thanks for the reply. Booked the ticket through US Bank FlexPerk, and once it was ticketed with seats available through there site, I logged onto the American site and able to upgrade my seats to preferred seating using a credit card.

Excellent, glad you were able to get the seats you wanted. Where are you headed?

Quick question – I booked an international ticket using flexperks points. Now I want to change my return date. Will I be charged a hefty sum or is there a way I can do this to cancel and rebook or some method to minimize out of pocket costs ?

It depends on what airline you are flying, but it will most likely cost money. You can call FlexPerks and ask what the cost will be.

Could someone help me… I made an international flight booking for Sunday, March 8 through US Bank rewards points. Due to personal reasons, I need to cancel the booking. Rewards centre is closed right now and opens only Monday morning. What are my next steps to be able to cancel the flight booking and get the refund of the reward points?

Did you ever get through to the US Bank FlexPerks Rewards Department? Any update on cancelling your flight?

Hi. Do you know if it is possible to book a round trip ticket using 2 different air carriers? For example, will Flexperks allow me to choose Delta as my departing flight and then another airline such as American for my return flight?

Technically it is possible. If you can price out your preferred itinerary on the FkexPerks Rewards Website, you will be able to book in online. If it doesn’t show up, try the multi city approach or give them a call. Let me know how it goes. Good luck!

I used to think highly of Flex points and the travel redemption options. Tonight however I was very disappointed. I wanted to book a flight for my mother in law that on the United website was showing up as approx. $800. As I have 40,000 Flex points I thought why not go and get it through Flex Travel and use my points. Surprise, surprise…the exact same flight (and yes I have checked over and over) is showing up as $2,800 on Flex Travel and you can redeem it for only 150,000 Flex points….Yeyyy!!!

You should calling FlexPerks. They should be able to book it over the phone at the 40,000 point level.

@grant very cool. home many flexperks-earning cards does usbank offer please? personal visa, biz via, personal amex? no biz amex? thanks!

I believe there are 2 personal Visa cards (Visa Signature and Visa Platinum), along with 2 Amex cards, and a Visa Business. I’m not exactly sure.

Can you pay cash for the difference between the full cost of the flight and the points you have or want to spend? For example, I have 50,000 points and want to buy a $1,100 ticket. Can I jut pay the $100 difference?

No, you have to use FlexPoints only. If you are short, I think you might have the option to buy FlexPoints to pay for the difference.

You can’t. You need to buy enough points to book it entirely with points. You will need 60,000 points total which means buying 10,000 more. I believe they charge $0.03/points so you would pay $300.

Sounds right to me. I think the 3 cpp rate is really expensive since FlexPoints are only worth 2 cpp max.

I noticed that the Flexperk search engine is operated by Orbitz. However, I can see many, many international flights (BA or AA) flights on Orbitz.com that I can not see on flexperks search engine. I know it’s possible to call and pay $25 service fee to make the reservation. Is there any other way to force the routing? Multi-destination option has not worked in my favor. Thanks

I would call them and ask that the $25 fee be waived since you cannot book the flight online. You can try specifying flight times or connecting airports on the FlexPerks website.

@Grant not directly on topic, but do you (or anyone else) know how to redeem penfed amex travel rewards points please? how much is each point worth? minimum amount to redeem? uses orbitz search engine, like US bank? can use points & cash if not enough points, like citi thankyou? thanks!

Hi Gene, I’ve never used PenFed points before so I have no idea how much they are worth or how to redeem them for travel.

can you combine flexperks from 2 diff accounts under my name? i want to close 1 account but not lose the points. any trickery (like citi’s TY points) when you close an account, its points expire in 90 days? thanks!

I think FlexPoints have a 5 year expiration policy after they are earned. You can transfer FlexPoints between accounts online. Go to the FlexPerks account and look under the manage account settings.

Is this per ticket redemption (not per booking)?. If I need to book 2 tickets on the same booking I will use up 40,000 points (2 x 20,000)?

Yes, each passenger would cost 20,000 FlexPoints, assuming their ticket is under $400.

any idea how to redeem flexperks for a statement credit online? thanks

You can, but you will only get 1 cent per point.

ok, thanks, but is there a way to do that without calling customer service?

I’m sure you can redeem FlexPoints for statement credit online, but I have never done that myself.

Hello. I am trying to use US bank flex rewards points for a flight from Houston to Ho Chi Minh City. I found a good flight with EVA air using google/flight search. But when I enter the dates into US bank flight search, it doesn’t come up with the flight that I am looking for?

Can the points only be used for specific airlines or any airline? Your advise would be greatly appreciated. Thank you.

Call the US Bank FlexPerks Travel Rewards department and tell them the flight details. They can book it for you over the phone. Let me know how the call goes.

Thank you so much for the quick response. I’ll call them. Thanks for the great blog and information you provide.

You’re very welcome. Good luck with the call.

Been a while since this post but I saved it. Today was time to use the FlexPerks….

I am DAMNED glad i used almost every single one as this was the WORST travel booking experience ever! Found flights online, then could not find them on the Flexperks travel site. Tried over and over…changed times, dates, etc.

I called in. They couldn’t help me. Finally, I took times I didn’t like for arrival going and departure coming back, even though better ones exist, but at, weirdly, 30k more Flexperks than they should have.

Maybe some folks have better luck with this, but when the AF comes up, these guys are done!

Yes, I know they are changing to flat rates, they ought to as that is what works easier (vis a vis MR, UR, etc). But today’s experience ticked me off on US Bank so they are outs here as far as I am concerned!

Hi Carl, thank you for sharing your booking experience with US Bank FlexPoints. I agree, I am trying to burn as many FlexPoints as possible and then I’m not renewing his credit card next year. Hopefully your trip goes smoothly. Don’t forget about the $25 airline incidental credit during your trip.

Yes, I’ve made a note on my board (I use a HUGE bulletin board for all my crazy stuff) to make sure to spend and get back $25! Thanks for the good wishes!

Meanwhile, Amex is loving me again with all kinds of bonus MR offers so that is where I am going to keep focusing.

Yes, American Express has really stepped up the offers lately.

I bought 3000 flex perks for $90 tonight. 3000 is their minimum and price is $30 per 1000 flex perks.

That is not a good deal, since you paid 3 cents per FlexPoint when you can only get up 2 cents per FlexPoint when you redeem them for airline tickets.

Hi Grant, hope you are still able to reply to my comment as this is quite an old post.

I was wondering if I can use my flexperks for a foreigner? As in, I want to book a round-trip flight for my Australian friend to here in NY and back. Is it possible or are the perks reedemable only for US passports?

I’ve never booked a flight starting outside the US, but if the flight is bookable through Google Flights or Kayak, it should be bookable with FlexPoints. Give it a try and let me know if it works for you.

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U.S. Bank’s mobile app has near-perfect ratings from Apple and Android users, a strong endorsement of the app’s simple interface but robust capabilities. U.S. Bank credit card holders will likely find that the app does everything they need it to do, and then some, and is easy to navigate.

» MORE: NerdWallet's best U.S. Bank credit cards

Login and security

You can securely access the U.S. Bank mobile app with a password, fingerprint or two-factor authentication. Once logged in, you'll find options to lock , unlock, or report a lost or missing credit card. U.S. Bank also allows account holders to give other people limited access to financial accounts. You can add and remove users at any time for free within the app.

Credit card information

Key details of your U.S. Bank credit cards, including the card number, expiration date and CVV, may be found within the app. Few other credit card apps display this information, which can be useful when you need to make a purchase but don’t have the physical credit card on hand.

Smart Assistant

Use the app’s Smart Assistant as a shortcut to get where you need to go. All you need to do is type in or say a prompt (e.g., “What’s my credit score?”), and the Assistant will spit out an answer.

View multiple U.S. Bank accounts

The mobile app lets you view and manage all of your U.S. Bank accounts, including credit cards, mortgages and other loans.

Link multiple external accounts

The U.S. Bank mobile app can connect with other financial institutions, if you have other accounts, so that you can get a more comprehensive picture of your financial health in one place. Maybe your checking account is with Capital One, and you have another credit card with Chase; link them within the U.S. Bank app to see all balances at once. After all of your accounts are synced up, you can use the money tracker feature to analyze spending habits for the past 18 months.

U.S. Bank ExtendPay Plan

Purchases of more than $100 may be put on an ExtendPay plan. Enrollment in ExtendPay may be completed in the U.S. Bank app. You’ll start by selecting the purchases you want to pay off over time, and then choose a repayment option. Note that enrolling in ExtendPay incurs a fixed monthly fee that’s based on the original loan amount and other factors.

» MORE: Buy now, pay later already comes standard on many credit cards

Credit score monitoring

Many financial institutions allow their customers to check their credit scores for free, and U.S. Bank is no exception. See your most up-to-date VantageScore in the U.S. Bank app.

Cash back deals

Card-linked offers , or what U.S. Bank calls “cash-back deals,” are a feature of many credit cards today. U.S. Bank customers may access them within the app. Simply select the deals that you want by activating them. After making an eligible purchase with your U.S. Bank credit card, you’ll receive the discount as a statement credit.

Rewards and redemptions

Log in to the U.S. Bank app to check your rewards balance and to fulfill redemptions. Depending on the credit card you have, you may redeem rewards for cash back, gift cards, travel and more. In terms of travel redemptions, it pays to redeem them through U.S. Bank’s travel portal, which is accessed online or through the app.  Points are worth 1 cent each when redeemed for travel, but the value increases to 1.5 cents per point if you have the U.S. Bank Altitude™ Reserve Visa Infinite® Card or U.S. Bank FlexPerks Gold Credit Card .

Select U.S. Bank credit cards also allow users to redeem rewards automatically through Real-Time Rewards. After enrolling in Real-Time Rewards in the app, you’ll be able to redeem rewards for purchases of $10 and up if the amount of available rewards can cover the entire cost.

If you have a rewards credit card with categories that need to be activated, you can also do that within the U.S. Bank app.

If we’re being nitpicky, U.S. Bank’s mobile app, unlike apps from other financial institutions, doesn’t list any pending payments from the home screen. To find this information, you need to select the “pay bills and transfer” option that’s listed on the main account page, then select the relevant account, which then takes you to a screen with past payment information. For meticulous record keepers, tracking credit card payments is a must, and this data is a little hard to find in U.S. Bank’s app.

Web browser vs. mobile app

The experience of U.S. Bank’s website on a desktop or mobile browser may be slightly more cluttered than in the app. When you log in on a web browser, you may find notifications advertising U.S. Bank products such as a CD or checking account. However, these notifications can be removed at the user’s will. Overall, managing a U.S. Bank credit card is just as effortless in a web browser as it is in the app.

Ranked eighth out of 11 major credit card issuers — J.D. Power 2024 U.S. Credit Card Mobile App Satisfaction Study.

4.8/5 — Apple App Store (rating as of May 2024).

4.7/5 — Google Play Store (rating as of May 2024).

On a similar note...

Find the right credit card for you.

Whether you want to pay less interest or earn more rewards, the right card's out there. Just answer a few questions and we'll narrow the search for you.

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Reward yourself your way.

Enjoy the many ways you can redeem with your U.S. Bank FlexPerks® Select+ Credit Card.

Choose rewards from options like merchandise, cash back, gift cards, travel. 1

Visit the FlexPerks Rewards Center to choose from a variety of reward options:

Redemption is easy

Log in to usbank.com  or the U.S. Bank Mobile App

Locate your Credit Card, then click View Rewards to view your Rewards Dashboard and access the Rewards Center  

Merchandise

Choose electronics, fashion, sporting goods and more.

Choose from leading retailers, restaurants and more.

Redeem for a statement credit to your account or convert as cash value to most U.S. Bank checking or savings accounts.2

Choose from hundreds of airlines and thousands of hotels, car rentals, cruises and activities.

Don't have enough FlexPoints for your reservation?

FlexPoints + Cash let's you use any combination of FlexPoints and cash at the FlexPerks Rewards Center to redeem for travel.

More ways to use your Points.

Shop with Points at Amazon.com

• Use credit card points to make purchases at Amazon.com .
• Visit amazon.com/usbank for details on Shop with Points at Amazon.com for card eligibility, certain restrictions and full terms and conditions. 

PayPal Pay with Rewards

• Set up Pay with Rewards and any rewards points available for your purchase will show up at checkout. 
• To link your card, log in to usbank.com or the U.S. Bank Mobile App . Locate your Credit Card, then click Manage Card.
• Visit paypal.com/usbank for details on Pay with Rewards for card eligibility, certain restrictions and full terms and conditions.

Redeem points for the latest tech from Apple in the Rewards Center.

Disclosures

1 See Program Rules in the online Rewards Center by logging in to usbank.com for complete details on earning and redeeming rewards and benefits. Account must be open and in good standing to earn and redeem rewards. FlexPoints are earned on Net Purchases. Net purchases are purchases minus credits and returns. Not all transactions are eligible to earn FlexPoints, such as Advances, Balance Transfers, and Convenience Checks. See your Cardmember Agreement for details.

2 Cash back is redeemed in the form of a statement credit or a deposit made to your U.S. Bank Savings or Checking Account (2,500 FlexPoints minimum redemption).

The creditor and issuer of the U.S. Bank FlexPerks® Select+ American Express® Card is U.S. Bank National Association, pursuant to a license from American Express. 

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How much are points and miles worth in 2024?

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At Bankrate we strive to help you make smarter financial decisions. While we adhere to strict editorial integrity , this post may contain references to products from our partners. Here's an explanation for how we make money . The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired. Terms apply to the offers listed on this page. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

At Bankrate, we have a mission to demystify the credit cards industry — regardless or where you are in your journey — and make it one you can navigate with confidence. Our team is full of a diverse range of experts from credit card pros to data analysts and, most importantly, people who shop for credit cards just like you. With this combination of expertise and perspectives, we keep close tabs on the credit card industry year-round to:

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Key Takeaways

• The value of airline and hotel rewards can vary dramatically depending on the rewards program and booking details.
• Credit card rewards programs typically offer more dependable value than airline and hotel rewards programs, plus more redemption flexibility. With a general travel credit card, you can use your rewards for travel or non-travel redemptions or transfer your rewards to a high-value travel partner to maximize rewards value.
• To see how much value you can get out of your rewards on an individual flight or hotel stay, divide the cost of a booking in cash by its cost in points or miles. Then, compare that value to our estimated values to see if it’s worth using your rewards for travel or if you should consider cash or another booking instead.

Whether you’re new to travel rewards or have been scoring free trips for years, the world of points and miles can be confusing. Not only are there dozens of airline, hotel and credit card rewards programs to sort through, but each one comes with its own rewards currency, transfer partners and other redemption quirks.

Add to this that not all points and miles carry the same value. That means that 50,000 points from one program could end up being more valuable than 100,000 points from another program. With so many variables at play, how can you determine your points to miles value and how to best use the points you have?

That’s where we come in. We collected data on hundreds of flights and hotel bookings from over 50 of the most popular airline, hotel and credit card rewards programs to show you how far your points and miles can take you . These are Bankrate’s latest points and miles valuations.

What do these valuations mean?

The value of airline and hotel rewards vary dramatically between rewards programs and booking details, ranging in value from roughly 0.4 cents per point or mile to 3 cents per point or mile. This can make it tough to judge how far your rewards will take you when planning a trip.

These points and miles valuations should give you an idea of what each program’s rewards are worth on average, making it easier to decide what sort of rewards you want to earn and see whether you’re getting good value for your redemptions.

Meanwhile, many general travel credit cards earn rewards that can be redeemed at one value for travel with the issuer or transferred to an airline or hotel program and redeemed at another (potentially higher) value.

For example, with the right credit card, Chase Ultimate Rewards points are worth 1.25 cents per point when redeemed for travel through the issuer’s booking portal. But transferring those same points to an airline or hotel partner could stretch your rewards value to per point on average (as we estimate with the Southwest Rapid Rewards program) — or even over on average (as we estimate with the World of Hyatt program).

These valuations can help you decide when it makes sense to redeem rewards through your card issuer and when it makes sense to transfer them to an airline or hotel loyalty program (based on the value you’ll get with that redemption).

How to calculate rewards values

To see how much value you can get out of your rewards on an individual flight or hotel stay, divide the cost of a booking in cash by its cost in points or miles.

For example, a flight that costs $139 or 21,500 points will offer about 0.6 cents per point in value ($139 / 21,500 points = ~$0.006). If the same flight costs $250, you’d get about 1.2 cents per point in value ($250 / 21,500 points = ~$0.012).

Once you’ve calculated your potential rewards value, compare it to the estimated average value listed here. If the value you get matches or exceeds our estimated average value, it’s smart to use your rewards to pay for travel . If the value you get falls short of our estimated average value, consider using cash instead or trying another booking.

Keep in mind that the value you can get out of your rewards will depend not only on the program but also the details of your booking. Some airline and hotel rewards carry a better point value than others on average, but your experience may vary based on when and where you travel, as well as whether you opt for a luxury or budget fare class or hotel tier.

Note: These valuations are not provided by card issuers.

Airline rewards values

We calculated the average airline miles to dollars values of these 29 popular airline loyalty programs by comparing the cost of dozens of bookings in cash with their cost in rewards. We weighted economy airfare bookings more heavily to give you the best sense of how much value you can get from your rewards for a typical flight.

*Based on weighted average of median point/mile values across economy and first/business class fares.

More information on airline rewards

• A guide to earning and redeeming frequent flyer miles

Hotel rewards values

We calculated the average rewards values of these seven popular hotel loyalty programs by comparing the cost of dozens of bookings in cash with their cost in rewards. We considered a mix of budget, mid-tier and luxury properties across several U.S. and international cities to find a median point value for each program.

*Based on median point values across budget, mid-tier and luxury hotel bookings.

More information on hotel rewards

• Earn more with airline and hotel rewards program special offers and promotions

Credit card program rewards values

To give you a sense of the best way to redeem your rewards , we’ve listed the “baseline credit card points value” of each credit card issuer’s points or miles (for travel bookings made through the issuer) as well as our estimate of how much value you can get by redeeming with some of the issuer’s best transfer partners (if available).

When researching travel, you can use your issuer’s portal to see how many points or miles you’ll get if you transfer your credit card rewards to an airline or hotel partner. Based on this transfer ratio, you might find that the value of your points is higher when you move them to one partner over another.

*Based on an average of the issuer’s five highest-value transfer partners (if available).

More information on credit card rewards programs

• Credit card rewards program guides
• Credit card rewards advice

Credit card rewards vs. airline and hotel rewards

Credit card issuer rewards programs — like Chase Ultimate Rewards or Amex Membership Rewards — typically offer more dependable value than points and miles tied to a specific airline or hotel program. These programs also stand out for their unmatched flexibility.

Instead of being stuck redeeming your rewards with a specific airline or hotel (and taking whatever value you can get), the best general travel rewards cards give you the flexibility to move your points/miles between programs to find the one that offers the best value. You can redeem rewards through the issuer’s travel portal or transfer to an airline or hotel program if that gets you more value for your rewards.

Plus, with many credit card rewards programs, you may not have to redeem for travel at all. Many issuer programs let you redeem rewards for cash back, gift cards, merchandise and even purchases through Amazon.com or PayPal. That said, to maximize the value of your credit card rewards , you’ll most likely want to redeem for travel through the issuer or leverage the card’s top transfer partners.

Research methodology

To estimate the average value of airline and hotel rewards, we collected pricing data on hundreds of flights and hotel stays using an array of different routes, hotel locations and fare and hotel tier classes.

For each airline, we researched a mix of short, mid-length and transcontinental routes, domestic and international routes and routes from an airline’s hub to a small airport. We considered both economy and business or first-class fares for each route and compared costs in cash and points/miles based on how far ahead of departure the travel was booked.

For each hotel, we researched stays in major, midsize and international locations at budget, mid-tier and luxury properties, again comparing costs in cash and points based on how far ahead the stay was booked.

We then divided the monetary cost of each of these bookings (minus taxes and fees) by its cost in rewards to determine the cash value of a single point/mile for a given flight or hotel stay. For example, a flight that cost $2,000 or 100,000 points would yield a valuation of 2 cents per point.

Once we determined the value of a single point/mile for each booking, we found the median point value offered across all bookings. This ensured our overall program point valuation was not skewed by outlying high- or low-value redemptions.

In the case of hotel programs, this median value is our final point valuation. In the case of airline programs, we determined our final point/mile valuation using a weighted average of economy and business/first-class point values, favoring economy values. This is designed to reflect the value a program’s points offer on typical rewards bookings.

For credit card rewards programs, our final point/mile valuation is an average of each issuer’s five highest-value transfer partners (assuming these values are greater than the issuer’s baseline point redemption value). This assumes rewards-savvy travelers will mostly transfer points/miles from a credit card rewards program to a travel partner in order to increase the value of their rewards, and they’ll opt for a partner that offers high value relative to others.

All data was collected in September 2023.

More details

Airline rewards methodology.

• 2 short routes (under 650 miles)
• 2 mid-length routes (650–1,500 miles)
• 2 transcontinental routes (over 1,500 miles)
• 2 international routes
• 2 flights from an airline hub to a small airport
• Found costs in cash and points/miles for each flight for bookings made 30 days prior to departure and six months prior to departure
• Found costs in cash and points/miles for each flight for economy and business/first class fares (based on availability)
• Divided each flight’s cash cost by its cost in points/miles to determine the cash value of a single point/mile
• Found the median per-cent point/mile value across all flights
• Calculated a weighted average of the median economy fare point/mile value (80 percent weighting) and the median business/first class fare point/mile value (20 percent weighting) to determine a final program point/mile value

Hotel rewards methodology

• Major: New York, Los Angeles, Chicago, Dallas
• Midsize: Charlotte, Phoenix, Seattle, Tampa
• International: London, Paris, Dubai, Bangkok
• Budget (rooms typically costing under $150 per night)
• Mid-tier (rooms typically costing $150–$275 per night)
• Luxury (rooms typically cost over $275 per night)
• Found costs in cash and points for each hotel stay for bookings made 15 days prior to arrival, four months prior to arrival and 11 months prior to arrival
• Divided each stay’s cash cost by its cost in points to determine the cash value of a single point
• Found the median per-cent point/mile value across all stays to determine a final program point value

Credit card rewards methodology

• Listed each issuer’s hotel and airline transfer partners
• Adjusted our airline/hotel point/mile valuations for each transfer partner based on transfer ratios (assuming ratio was not 1:1)
• Calculated the average of each issuer’s five highest-value transfer partners (post-transfer) to determine a final program point/mile value

8 of the best ways to use points and miles for travel

Why you should use your issuer’s travel portal

How to earn elite airline status with credit cards

Annoying travel fees you can avoid with the right card lineup

9 major hotel chains with free breakfast

Traveler’s guide to the best frequent flyer programs

Traveling around the world with credit card points

Bankrate's Travel Toolkit

More From Forbes

The most valuable travel rewards in 2024, according to a new report.

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Among the myriad of travel perks that can help you save money or enjoy complimentary upgrades, loyalty program membership stands out as a significant one. The second annual Barclays US Consumer Bank’s Travel Rewards and Loyalty Reports delve deep into the loyalty programs and benefits that are most frequently used by travelers, shedding light on their importance in the travel landscape.

RALEIGH, NC - NOVEMBER 29: A scenic view of aircraft flying overhead photographed on November 29, ... [+] 2010 in Raleigh, North Carolina. (Photo by Bruce Bennett/Getty Images)

Loyalty Program Membership is Important

Of the 1,000 US travelers surveyed by Wakefield Research, 77% report currently belonging to a travel loyalty program of some kind. These respondents report flying by air at least once in the last 12 months and intend to travel again during the next 12 months. Additionally, 89% of respondents indicate being a loyalty member at some point.

The program types include:

• Car rentals
• Cruise lines
• Online booking sites

Roughly 51% join to earn airline rewards, 43% for hotel rewards, and 30% for booking sites. Cruises and car rentals are the smallest programs as they tend to have fewer travel opportunities.

Of the travelers currently enrolled in loyalty programs, 76% cannot imagine taking the caliber of trips they currently do without the benefits. Not having the rewards can mean having to switch travel providers, opt for more affordable accommodations, reduce the trip length, or book a less convenient travel method.

Millennials are most likely to enroll in loyalty programs with an 83% enrollment rate versus a 75% average for Gen X, Gen Z, and Baby Boomers. Further, Millennials are more likely to travel this year.

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As travel loyalty programs are so prolific and offer plenty of value for most members, 77% of respondents anticipate traveling more in 2024 than in 2023. Specifically, 79% are leisure trips and 21% are business-related.

With that in mind, below are the most wanted benefits (ranked by highest demand):

• Ability to earn and redeem rewards (70%)
• Lower costs, reduced fees, and low rate guarantees (58%)
• Elite status or perks, free checked bags, priority boarding, etc. (55%)
• Improved travel experience through upgrades, lounge access (51%)
• Access to experiences like concerts and events (29%)

Travel points are the most valuable benefit of being a loyalty program member or by using a particular credit card rewards program. While points have multiple redemption options, respondents plan on using 65% for flights and 54% for hotels.

Most Valuable Travel Points

Unsurprisingly, airline miles are deemed the most valuable type of travel point. Eighty-nine percent of travelers report that points are essential to their preferred travel style.

Below is the extent to which travel rewards support award travel:

• Airline miles (69%)
• Hotel points (60%)
• Car rentals (37%)
• Cruise lines (26%)

Airline and hotel points typically provide the most value. They can also be the easiest to earn or redeem as there are numerous travel options for domestic and international trips.

The majority of respondents (72%) will be using their travel rewards for travel within the United States this year, although international travel is increasing. Europe (29%), the Caribbean (23%), and Canada or Mexico (22%) or the most popular foreign destinations.

Most Valuable Travel Deals

Travel points are the most valuable perk, but several non-point travel rewards are also worth the membership.

Here are the three most popular discounts and upgrades available to elite members and travel credit card customers:

• Hotel deals (71%)
• Flight upgrades (70%)
• Priority boarding (60%)

Additionally, frequent travelers who take at least five or more flights per year perceive gaining the most value from travel rewards.

Business Travel is the Most Rewarding

These various perks make it possible for the majority of survey-takers to get more value from their rewards programs than they put into them. The success rates vary by travel type and generation:

• 84% of business travelers (versus 67% of leisure travelers)
• 79% of Millennials
• 72% of travel credit cardholders

While business travel is far less common than leisure travel, loyalty membership and travel points are more rewarding for those who can book work trips.

Final Thoughts

Every travel loyalty program has different perks, point redemption options, and destination choices. Finding the right program makes it substantially easier to travel more often and with a better experience. To find out more, see the full survey results .

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Knowledge base, how do i redeem my credit card rewards.

There are a couple ways to find out what kind of rewards program you have. Check out the rewards section of your billing statement or log in to digital banking.

If your rewards program is with U.S. Bank (such as Shopper Cash, Cash+, FlexPerks or Altitude), follow the steps below.

To redeem your rewards using digital banking

• Online banking: Select your rewards card, then choose Go to rewards & benefits. U.S. Bank Mobile App: Select your rewards card, then choose the Rewards  tab.
• Select Redeem rewards .
• Choose the category you'd like to browse (e.g., Rewards card or Travel) and follow the prompts to redeem.

More information

• If you don't have the choice to view or redeem rewards, your rewards program may be with a retail partner such as an airline or grocery rewards card. 
• For questions, please call our Rewards Center at 888-229-8864. We accept relay calls.

To freely explore our digital banking services without using your own account, visit our Digital Banking Simulators page. If you'd like a step-by-step tutorial on how to use a specific service or feature, check out our Digital Explorer page.