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

No Over-the-Limit Fee. You won’t pay an over-the-limit fee if your credit card balance goes over your credit limit.

For Example:

Let’s say your credit card limit is $5,000. One month, you spend more than your limit on the card. Some credit card companies will charge you between $25 and $35 for this mistake. If your card advertises no overlimit fee, you won’t be charged a penalty for your spending.

This credit card comes with a No Penalty APR. You won’t default to a higher APR if your payment arrives on or after day 60.

Overdraft Protection. Are you worried that you may spend more than your limit on your credit card? If you sign up for overdraft protection, you’ll be fine. All you have to do is link your credit card to your checking account. The excess amount will be drawn from there, and your transaction will be approved.

Extended Warranty Insurance. This credit card extends the original manufacturer’s warranty of an item. You get the benefits of an extended warranty without purchasing the store’s expensive extended warranty.

Lost or Stolen Baggage Insurance. The credit card will cover replacing the contents of lost, damaged, or stolen bags, up to a given dollar value.

Purchase Protection. If that thing you bought is stolen or accidentally damaged within a specific period of time, you’re covered. The credit card company may reimburse you up to the full purchase price.

Rental Car Insurance. This credit card covers any damage from collision or theft on most rental vehicles, up to the value of the car.

Have you ever had that thing you bought break just outside the warranty period? With Return Protection, you have a longer warranty period to make sure it worked, or decide if you like it.

Travel Accident Insurance. If you’re ever in an accident while on a vehicle licensed to transport the general public, you’ll want this insurance. It covers injuries from losing an eye or a limb all the way up to death.

Entertainment Access. Some credit card companies host exclusive card member-only events, like Broadway shows, concerts, sporting events and more.

Global Assist Hotline. This service provides the credit card holder with customs information and destination guides. Should you be traveling more than 100 miles from home, Global Assist provides extra services. These include help for a lost passport, translation requests, missing luggage, and emergency legal and medical referrals. As the cardholder, you would be responsible for any fees from third-party service providers. Fortunately, you may be able to charge these to the credit card.

Promo Rate. This credit card comes with a promotional “promo” rate, which is usually significantly lower than your regular interest rate. This is only valid for the first few months after you open the credit card, then the regular rate applies.

For Example:

Let’s say your credit card has an introductory rate of 0% APR for 15 months. When that expires, you pay the regular interest rate (22.49%). To maximize your promotional rate benefit, your balance should be paid off before the end of the introductory period. Failure to do so will mean that the interest rate on the remainder of your balance will skyrocket.

Once approved for this credit card, you may get Welcome Points that you can use for other benefits. These include travel, high-end merchandise, discounts, or bill credits. Each card has different requirements for using the points.

Zero Introductory APR for Balance Transfers. With this credit card, the APR for the balance(s) you transfer will be 0% for the limited time-frame. After this promotional period ends, the regular interest rate applies.

For example, a credit card has an introductory offer of 0% APR for 12 months on balance transfers. The regular interest rate is 18.99%. You must transfer your balances completely to the new card by the 45^th day from opening the card. Those balances will have no interest applied until the end of the 12^th month. Balances that remain after the 12^th month, or transferred after the initial 45 days will have the regular APR applied.

Roadside Assistance. This credit card company can arrange for someone to meet you for roadside repairs. They can also organize to have your car towed to your home or a shop within a specific radius.

Travel and Emergency Assistance. This credit card provides you with referrals and assistance for emergency services.