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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.
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.
- U.S. Bank FlexPerks® Travel Rewards Visa Signature® Card: Earn 25,000 US Bank FlexPoints (worth $375 in travel) after you spend $2,000 on purchases in the first four months of opening your account. Here’s our review of the US Bank FlexPerks Travel Rewards card.
- U.S. Bank FlexPerks® Business Travel Rewards: Earn 25,000 FlexPoints (worth $375 in travel) after you spend $2,000 on purchases within the first four months of opening your account. Read our review of the US Bank FlexPerks Business Travel Rewards card.
- U.S. Bank FlexPerks® Select+ American Express® Card: Earn 10,000 FlexPoints (worth $150 in travel) after you spend $1,000 on purchases within the first four months of opening your account.
- U.S. Bank FlexPerks® Gold American Express® Card: Earn 30,000 FlexPoints (worth $450 in travel) after you spend $2,000 on purchases within the first four months of opening your account.
- U.S. Bank Altitude™ Reserve Visa Infinite® Card: Earn 50,000 Altitude points (worth $750 in travel) after you spend $4,500 on purchases within the first 90 days of opening your account. Here’s our review of the US Bank Altitude Reserve card.
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.
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.
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.
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:
- U.S. Bank FlexPerks® Travel Rewards Visa Signature® Card
- U.S. Bank FlexPerks® Business Travel Rewards
- U.S. Bank FlexPerks® Select+ American Express® Card
- U.S. Bank FlexPerks® Gold American Express® Card
- U.S. Bank Altitude™ Reserve Visa Infinite® Card
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:
- US Bank FlexPerks® Travel Rewards Visa Signature® Card review
- US Bank FlexPerks® Business Travel Rewards card review
- Is the US Bank FlexPerks® Travel Rewards annual fee worth it?
- US Bank FlexPerks® Travel Rewards benefits
- Is the US Bank Altitude™ Reserve Visa Infinite® Card worth it?
- US Bank Altitude™ Reserve Visa Infinite® Card benefits and perks
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