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U.S. Bank Cash 365™ American Express® Card review

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Advertiser Disclosure

Interest Rate: Purchases
14.99% ‐ 24.99% (Variable)
Balance Transfer
14.99% ‐ 24.99% (Variable) (0% for the first 12 months)
1.5% cashback
Signup Bonus
$150 after spending $500

Informr score
The U.S. Bank Cash 365™ American Express® Card currently has an Informr score of 8.2 out of 10. This score is based on our evaluation of 10 sources including reviews from users and the web's most trusted critics.

Am I eligible?

U.S. Bank Cash 365™ American Express® Card is typically available to those with good credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...


The U.S. Bank Cash 365 American Express Card is a very flexible card that nearly anyone can get value from. With unlimited cash back on all purchases, great travel and purchase coverages, and easily redeemable cash rewards, this card can be a great choice for many consumers.

- Brett Holzhauer, FinanceBuzz

The U.S. Bank Cash 365™ American Express® Card offers a simple, 1.5% cash back on every purchase. This makes it easy to earn cash back. Unfortunately, many cards offer 1.5% back, and some offer even higher cash-back rates. The only other real enticement with the U.S. Bank Cash 365™ American Express®...

- Cardcruncher
Money Crashers

The U.S. Bank Cash 365 American Express Card isn’t anyone’s idea of groundbreaking. With a flat cash back rate, an easy-to-understand rewards program, and a nice introductory balance transfer promotion, it’s not all that different from other straightforward cash back competitors.

- Brian Martucci, Money Crashers

In a market crowded with cash back cards that earn a flat 1.5 percent rate, there’s not much to recommend the U.S. Bank Cash 365 card over its competitors.

- Kelly Dilworth,

You may earn more rewards with another card. But if you want simple cash back, the U.S. Bank Cash 365 American Express Card can be a refreshing option — especially as it offers $0 annual fee, a signup bonus and 0% intro APR on balance transfers.

- Finder


Interest Rates
Regular APR Interest Rate 14.99% ‐ 24.99% (Variable)

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate 14.99% ‐ 24.99% (Variable) (0% for the first 12 months)

Intro rate applies on balances transferred within the first 60 days of account opening.

This APR will vary with the market based on the Prime Rate.

Cash Advance Interest Rate 24.99% (Variable)

This APR will vary with the market based on the Prime Rate.

Rates & Fees
Annual Fee $0.00
Balance Transfer Fee 3%

Minimum of $5

Cash Advance Fee 4%

Minimum of $10

Foreign Transaction Fee 2%

of each transaction in U.S. dollars.


of each transaction in a Foreign Currency.

Over Limit Fee $0.00
Late Payment Fee $40.00


Sign up bonus $150 after spending $500

On purchases within the first 3 months.

All Purchases 1.5% cash back
Restaurants No
Gas No
Groceries No
Hotels No
Travel No
Pharmacy No
Bills No
Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance Yes
Car Rental Insurance Yes
Car Rental Discount No
Extended Warranty Yes
Purchase Protection Yes
Zero Liability No
No Foreign Transaction Fees No
Emergency Assistance Yes
Concierge Service No
Price Protection Yes
Fraud Protection No
Free Credit Scores No
Wireless Payments No
Virtual Cards No
Additional Benefits

Return Protection

Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
Additional comments
Terms & Conditions Official Terms & Conditions
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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

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