Many of the credit card offers that appear on this site are from credit card issuers from which MillionMileSecrets.com receives compensation. Compensation does not impact the placement of cards on Million Mile Secrets other than in banner advertising. MillionMileSecrets.com does not include all credit card offers that might be available to consumers in the marketplace.

Editorial Note: We're the Million Mile Secrets team. And we're proud of our content, opinions and analysis, and of our reader's comments. These haven’t been reviewed, approved or endorsed by any of the airlines, hotels, or credit card issuers which we often write about. And that’s just how we like it! :)

US Bank Points Review: Simplicity and Flexibility to Book Travel With No Blackout Dates

Signing up for credit cards through partner links earns us a commission. Terms apply to the offers listed on this page. Here’s our full Advertising Policy.

US Bank Points Review: Simplicity and Flexibility to Book Travel With No Blackout Dates

Caroline LupiniUS Bank Points Review: Simplicity and Flexibility to Book Travel With No Blackout DatesMillion Mile Secrets Team

Signing up for credit cards through partner links earns us a commission. Terms apply to the offers listed on this page. Here’s our full Advertising Policy.

Update: One or more card offers in this post are no longer available. Check our Hot Deals for the latest offers.

INSIDER SECRET: You can get 50% more value from your US Bank FlexPoints and Altitude points by redeeming them for travel. 

US Bank doesn’t get as much attention for their credit cards as some other banks, but they have some great card offerings that earn FlexPoints or Altitude points, including the U.S. Bank FlexPerks® Travel Rewards Visa Signature® Card and U.S. Bank FlexPerks® Business Travel Rewards Credit Card.

These points can be very useful, especially to people who don’t want to deal with airline award availability and blackout dates or would rather stay in cute boutique hotels instead of chains.

Keeping track of the differences between FlexPoints and Altitude points used to be a bit of a challenge, but US Bank has aligned the two types of points to make things less complicated.

Here’s our full US Bank Points review.

Find out how you can unlock the freedom to travel just about anywhere in our US Bank points review. (Photo by Maridav/Shutterstock.com)

US Bank Points Review

US Bank points are a great option to have in your travel points bank because they offer you flexibility that other types of miles don’t. Namely, when you’re traveling during busy times of the year and you can’t find award availability, you can use your US Bank points to purchase available seats on flights like cash.

Many other bank points, like Chase Ultimate Rewards, allow you to do this as well, but traditional airline miles typically don’t. And, even if you have a stockpile of Chase Ultimate Rewards points, you might want to save those to transfer to Chase airline and hotel partners and use US Bank points to cover your flights instead.

Here’s what to know about US Bank points.

How to Earn US Bank Points

The main way to earn US Bank points is by applying for a credit card, earning the welcome bonus, and spending on that card.

If you already have a card that earns US Bank FlexPoints, it’s also possible to earn bonus points through the Refer-a-Friend program.

Earn US Bank Points From Credit Cards

Most US Bank points cards earn FlexPoints, but the Altitude card earns Altitude points. Luckily, US Bank has taken recent steps so that these points function similarly.

The information for the U.S. Bank FlexPerks Select+ American Express Card, U.S. Bank FlexPerks Gold American Express Card and U.S. Bank Altitude Reserve Visa Infinite Card has been collected independently by Million Mile Secrets. The card details on this page have not been reviewed or provided by the card issuer.

Note: US Bank also issues cards like the U.S. Bank Business Select Rewards, which earns its own type of points that aren’t as valuable for travel and can not be transferred to FlexPoints or Altitude points.

Beyond the welcome bonuses, you can also earn a ton of US Bank points from ongoing spending on these cards. Some earn bonus points for spending in common categories, like travel and dining. For example:

  • U.S. Bank FlexPerks Travel Rewards Visa Signature Card: Earn 2x FlexPoints per dollar spent on gas, grocery, or airline purchases, and qualifying charitable donations.
  • U.S. Bank Altitude Reserve Visa Infinite Card: Earn 3x Altitude points per dollar spent on all mobile wallet and travel purchases.

How Much Are US Bank Points Worth?

Depending on what US Bank credit card you have, you will usually be earning one of two types of points: FlexPoints or Altitude Points. Luckily, these points function very similarly. Either way, you will be able to redeem your points through US Bank’s Travel Portal or Real-Time Mobile Rewards, and here is the value you can expect to get from your points, regardless of if you’re earning FlexPoints or Altitude points:

  • Airfare, hotels, and car rentals: Redeem points at a rate of 1.5 cents per point when using the US Bank travel portal or US Bank
  • Statement credit or gift cards: Redeem points for a statement credit or gift cards at a rate of 1 cent per point

You need to make a minimum redemption of 1,000 points.

How to Use US Bank Points

The best option for using your US Bank points is to redeem them for travel, because that’s where you’ll get the most value. But, you do have the option to redeem your points for statement credits or gift cards, too.

Family relaxing on a beach vacation
Your best bet to get the most value out of you US Bank points is to redeem them for travel. And why not take the family with you! 
(Photo By Nadya Eugene / Shutterstock.com)

Remember, the best value for your points is whatever makes you happy and meets your needs. The choice is ultimately yours.

Redeem US Bank Points for Travel

Being able to redeem your points for a fixed value for your travel experiences is very convenient. You won’t have to worry about blackout dates award availability, or how long a transfer is going to take. You simply need to log in to the US Bank Travel Portal and book your travel! Remember, FlexPoints and Altitude points are worth 1.5 cents each when booking flights, hotels, and car rentals through the US Bank Travel Portal or Real-Time Mobile Rewards.

The best thing about US Bank points is simplicity. If you want to book a flight on a specific date (without blackout dates), a hotel at a unique location or a rental car, booking through the US Bank Travel Portal is a solid bet.

You’ll also earn points on the flights you take. But note that you won’t earn hotel points or stay credits when you book through the portal, because it’s considered a third-party booking.

Redeem US Bank Points for Cash or Gift Cards

Your US Bank points are always worth 1 cent per point when you redeem them for cash back. So, for example, redeeming 50,000 US Bank FlexPoints would be worth $500.

This is a good option if you won’t travel or just prefer straight cash back. Keep in mind, you’ll get a much better bang for your point when you redeem your points for travel for travel.

US Bank points are worth 1 cent each for cash back or gift cards — but you’ll get more value when you redeem your points for travel. (Photo by Atstock Productions/Shutterstock)

For this reason, I recommend you do not redeem for cash back if you like to travel.

Do US Bank Points Expire?

Unlike most other bank points programs, you will have to keep track of the expiration date for your US Bank FlexPoints. They expire five years from the date they’re earned. But, as long as you use your points regularly, you shouldn’t have to worry too much because they will automatically be redeemed in the order they were earned.

US Bank Altitude points do not expire.

For both types of points, your card must be open and in good standing, otherwise, you will automatically forfeit your points.

Bottom Line

It’s possible to get some serious value out of US Bank points. Whether you collect FlexPoints or Altitude points, they’re a great option especially for times when there’s no award availability for flights you want to take because you can use your points like cash to purchase an available seat on a flight.

They’re also great for people who would rather stay in boutique hotels rather than stick with the chains.

And even if that doesn’t necessarily sound like you most of the time, it’s always great to have multiple tools and currencies at our disposal so you can adapt when you need to.

It’s easy to earn US Bank points and they’re even easier to redeem, with cards like:

And if you have no travel plans, you can always trade in your points for cold, hard cash back. You won’t necessarily get the most value that way, but it’s a solid option if you prefer the flexibility of cash.

For more about US Bank FlexPoints and Altitude points, check out these guides:

Remember to subscribe to the Million Mile Secrets newsletter for more tips on how to be smart with your miles and points.

Editorial Note: We're the Million Mile Secrets team. And we're proud of our content, opinions and analysis, and of our reader's comments. These haven’t been reviewed, approved or endorsed by any of the airlines, hotels, or credit card issuers which we often write about. And that’s just how we like it! :)

Add comment

E-mail is already registered on the site. Please use the Login form or enter another.

You entered an incorrect username or password

Sorry that something went wrong, repeat again!

1comment

by Newest
by Best by Newest by Oldest