It’s been a little while since BankShout talked about debit card rewards programs. I haven’t forgotten how prevalent these programs are; little distinctions between the rewards at various banks can make one plan better than another, and some customers may find that online functionality or efficiency of rewards delivery makes all the difference in which debit card bonus to choose.

US Bank currently has three checkcard options in their FlexPerks program, each with distinctive features and benefits. The three different card types are:

• Cash Rewards
• Select Rewards
• Travel Rewards

US Bank isn’t reinventing the wheel here; many banks have previously offered these three basic rewards programs. What I like about the FlexPerks cards, however, are the relatively low limits on redemption. For instance, the FlexPerks Cash Rewards Visa Check Card (to use the official name) gives you up to 25% cash back at certain retailers–about 200 in all, according to US Bank’s website. You can redeem your rebates for as low as $5, which is an excellent benefit compared to banks that make you wait until thresholds of say $30 or even $50.

FlexPerks Select Rewards has a similar low redemption threshold: 5000 points, with one FlexPoint for every $2 in non-PIN purchases. Select Rewards also has an enrollment bonus (currently 2500 points, so you’re halfway there already) and the potential for a 50% monthly bonus with certain US Bank accounts. Rewards are chosen from an online catalog.

With Travel Rewards, you earn 1 FlexPoint for every $1 in non-Pin purchases, and you can redeem for as low as 20,000 points, which would get you a ticket valued up to $400. Travel Rewards has a 5000-point bonus just for signing up.

You can compare the different FlexPerks cards on US Bank’s website here. If you have used any of these programs, let us know and comment below.