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

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Advertiser Disclosure

Interest Rate: Purchases
16.24% ‐ 25.24%
Balance Transfer
16.24% ‐ 25.24% (0% for the first 12 months)
Rewards
1.5% cashback
Signup Bonus
$150 after spending $500


7.8/10
Informr score
The U.S. Bank Cash 365™ American Express® Card currently has an Informr score of 7.8 out of 10. This score is based on our evaluation of 9 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...


Cardcruncher

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
CreditCards.com

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, CreditCards.com
Finder

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
ValuePenguin

The U.S. Bank Cash 365™ American Express® Card is an excellent choice if you’re looking for a cash back credit card specifically from U.S. Bank. The fixed 1.5% rewards rate is great for individuals with varied spending who want a simple rewards credit card.

- Robert Harrow, ValuePenguin

Details


Interest Rates
Regular APR Interest Rate 16.24% ‐ 25.24%

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

Balance Transfer Interest Rate 16.24% ‐ 25.24% (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 26.24%

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.


3%

of each transaction in a Foreign Currency.

Over Limit Fee $0.00
Late Payment Fee $38.00

Maximum

Promotions
Sign up bonus $150 after spending $500

On purchases within the first 3 months.

Rewards
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
Additional Benefits

Return Protection

Eligibility
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
More
Additional comments
Terms & Conditions Official Terms & Conditions
Suggest a correction

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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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Critic Reviews


Cardcruncher

A run-of-the-mill cash-back card, but its $150 sign up bonus is easy to earn

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® Card is its $150 sign-up bonus.

Read full review

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® Card is its $150 sign-up bonus.

Read full review

Less

Money Crashers

Straightforward cash back credit card

from 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.

Read full review

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.

Read full review

Less

CreditCards.com

A good everyday card

from CreditCards.com

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.

Read full review

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.

Read full review

Less

Finder

A strong card that rewards you like clockwork

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.

Read full review

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.

Read full review

Less

ValuePenguin

Good rewards across all categories

from ValuePenguin

The U.S. Bank Cash 365™ American Express® Card is an excellent choice if you’re looking for a cash back credit card specifically from U.S. Bank. The fixed 1.5% rewards rate is great for individuals with varied spending who want a simple rewards credit card.

Read full review

The U.S. Bank Cash 365™ American Express® Card is an excellent choice if you’re looking for a cash back credit card specifically from U.S. Bank. The fixed 1.5% rewards rate is great for individuals with varied spending who want a simple rewards credit card.

Read full review

Less

Bank Deal Guy

A really good card

from Bank Deal Guy

If you’re still using a debit card for all of your purchases, consider getting a credit card instead and get rewarded for spending money. That way the more you spend, the more you earn, especially with this card because you get an unlimited amount of bonus points back.

Read full review

If you’re still using a debit card for all of your purchases, consider getting a credit card instead and get rewarded for spending money. That way the more you spend, the more you earn, especially with this card because you get an unlimited amount of bonus points back.

Read full review

Less

NextAdvisor

Strong ongoing rewards and intro bonus

from NextAdvisor

This card offers a $150 intro bonus opportunity to cardholders who spend $500 on purchases in the first 90 days of account opening — that’s a 30% bonus! On top of that, this card offers great ongoing cash back rewards, a long 0% intro APR on balance transfers and more. 

Read full review

This card offers a $150 intro bonus opportunity to cardholders who spend $500 on purchases in the first 90 days of account opening — that’s a 30% bonus! On top of that, this card offers great ongoing cash back rewards, a long 0% intro APR on balance transfers and more. 

Read full review

Less

HighYa

An average cash back card

from HighYa

We think this is a good middle-of-the-road card that will give you a decent chunk of free cash the first year and then average returns after that. The best way to take advantage of this card and other cash back cards is to pay off your balance in full, every month. If you don’t, the interest payments you make undercut the cash back you earn.

Read full review

We think this is a good middle-of-the-road card that will give you a decent chunk of free cash the first year and then average returns after that. The best way to take advantage of this card and other cash back cards is to pay off your balance in full, every month. If you don’t, the interest payments you make undercut the cash back you earn.

Read full review

Less

Doctor Of Credit

Better go for other cash back cards

from Doctor Of Credit

I don’t see why anybody would sign up for this new card since there are cards that offer 2% cash back or more on all purchases and plenty of cards with a sign up bonus of more than $100. The one upside to this card is that it’s an American Express card, so you can enroll in AmEx Sync Twitter...More

I don’t see why anybody would sign up for this new card since there are cards that offer 2% cash back or more on all purchases and plenty of cards with a sign up bonus of more than $100. The one upside to this card is that it’s an American Express card, so you can enroll in AmEx Sync Twitter offers, but good ones have been pretty thin recently.

Read full review

Less

User Reviews


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