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U.S. Bank offers three types of FlexPerks credit cards. The FlexPerks Gold Credit card has an annual fee at the rate $85. The FlexPerks Travel Rewards cards comes with an annual fee that is $0 for the first card and $49 for the second. The FlexPerks Select+ credit card comes without any annual fee, but has a foreign transaction fee. If you need a rewards credit card without an annual fee, you may like the Discover it® Miles credit card. This card has no annual and no foreign transaction fees and it also has 0% intro APR on purchases for 15 months, when the introductory interest rate is over, the ongoing APR of 17.24% - 28.24% Variable APR will apply. Using this card, you will earn unlimited 1.5 miles on all purchases. All the miles that you've earned are matched at the end of the year (if you are a new cardmember). So if you earn 35,000 miles, you get 70,000 miles. Earned miles can be redeemed for any airline ticket or other travel expenses.