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.
- Brett Holzhauer, FinanceBuzzThe 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.
- CardcruncherThe 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®...
- Brian Martucci, Money CrashersThe 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.
- Kelly Dilworth, CreditCards.comIn 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.
- FinderYou 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.
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. 3% of each transaction in a Foreign Currency. |
Over Limit Fee | $0.00 |
Late Payment Fee |
$40.00 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 |
Virtual Cards | 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 |
Disclaimer: All products, logos, images and trademarks are the property of their respective owners. Content is not provided or commissioned by any company mentioned. Any views, analyses, or recommendations expressed here are those of the author's alone, and may not have been reviewed, approved or otherwise endorsed by any company mentioned.
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.
The Informr is an independent, advertising supported website and may receive compensation for sponsorships or when you click on certain affiliated links.
Help inform others by sharing your experience with U.S. Bank Cash 365™ American Express® Card