U.S. Bank FlexPerks^® Gold American Express^® Card

FlexPoints are earned on eligible Net Purchases. Net Purchases are Purchases minus credits and returns. Not all transactions are considered to be Purchases and eligible to earn rewards, such as transactions posting as Convenience Checks; Balance Transfers; Advances (including ATM withdrawals, wire transfers, traveler's checks, money orders, foreign cash transactions, betting transactions, and lottery tickets); interest charges and fees; credit insurance premiums; and transactions to (i) fund certain prepaid card products, (ii) buy currency from the U.S. Mint, or (iii) buy cash convertible items. Upon approval, please refer to the materials received with your new card and the Program Rules in the online Rewards Center by logging in to usbank.com for additional information. Account must be open and in good standing (not past due) on the closing date of the billing cycle in order to earn and redeem FlexPoints. Purchases qualify for FlexPoints based on how merchants choose to classify their business and we reserve the right to determine which purchases qualify. Use of the Card is subject to terms and conditions of the U.S. Bank FlexPerks Gold American Express Cardmember Agreement, which may be amended from time to time. U.S. Bank FlexPerks Gold American Express Cardmembers will earn 1 FlexPoint for every $1 in eligible Net Purchases. In addition, you will earn 4 FlexPoints (5 FlexPoints total) for every $1 in eligible Net Purchases spent on prepaid car and hotel reservations in the online FlexPerks Rewards Center using the U.S. Bank FlexPerks Gold American Express Card. Please allow 1-2 statement billing cycles for bonus FlexPoints to appear on the credit card statement. Refer to the Rewards Center for full details. You will earn 2 FlexPoints (3 FlexPoints total) for every $1 in Net Purchases during each billing cycle for any merchant classified as a restaurant. Purchases made at a restaurant may not be recognized as a restaurant, and will not qualify for additional FlexPoints. You will earn 1 FlexPoint (2 FlexPoints total) for every $1 in Net Purchases during each billing cycle for any merchant classified as a gas station, electric vehicle charging station and for any merchant classified as an airline.

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From time to time we may offer to you the benefit of our U.S. Bank ExtendPay® Plans, which allow you to pay off balances in fixed monthly payments over time and still avoid paying interest charges on new Purchases. You may designate up to 50% of your credit card line ($100 minimum) in eligible credit card purchases and pay in monthly installments with just a small fixed monthly fee. Only Purchase balances are eligible for  ExtendPayPlans. Transactions identified as Advances or Balance Transfers (as defined in your Cardmember Agreement), and any interest or fees, including Annual Fee, do not apply. The only Purchases that will appear as "Eligible Purchases" in the enrollment process are Purchases that were made within 60 days prior to signing up for an ExtendPay Plan, are over $100, and are less than your Purchase balance when you sign up for an ExtendPay Plan. Any unpaid balance remaining on an ExtendPay Plan after the chosen pay-back period will be subject to the APR and minimum payment calculation for purchases outlined in the Cardmember Agreement.

Certain terms, conditions and exclusions apply. Receive either a statement credit every 4 years after you apply for Global Entry ($100) or a statement credit every 4.5 years after you apply for a five-year membership for TSA PreCheck® (up to $85 through a TSA PreCheck official enrollment provider) and pay the application fee with your FlexPerks Gold Card. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck. Each Additional Card on eligible Card accounts is also eligible for one statement credit for an application fee for a five-year membership every 4 years for Global Entry or every 4.5 years for TSA PreCheck. To receive the statement credit, the application fee must be charged on the eligible Additional Card. Please refer to the Card Benefit Site for further details or view the Guide to Benefits for full terms and conditions.

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).