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

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

on US Bank's website

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

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

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

on US Bank's website

Card details

  • New Cardmember bonus: $150 after you spend $500 in eligible net purchases in the first 90 days of account opening.

  • Unlimited 1.5% cash back on all eligible net purchases.

  • No categories. Just use your card and earn unlimited cash back.

  • Cash back never expires and no minimum redemption options.

  • No Annual Fee*.

  • 0% Intro APR* on balance transfers for 12 billing cycles. After that, a variable APR currently 15.74% - 25.24%

  • View Rates and Fees

Rates, fees & offers

  • Annual fee

    $0

  • Rewards rate

    1.5%

  • Bonus offer

    New Cardmember bonus: $150 after you spend $500 in eligible net purchases in the first 90 days of account opening.

  • Intro APR

    0% Intro APR* on balance transfers for 12 billing cycles

  • Ongoing APR

    APR: 15.74% - 25.24% Variable APR

    Cash Advance APR: 25.74%, Variable

  • Balance transfer fee

    3%

  • Foreign transaction fee

    2% of each foreign purchase transaction or foreign ATM advance transaction in U.S. Dollars 3% of each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency

Recommended credit score

Compare to other cards

US Bank Cash 365™ American Express® Card Credit Card

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

Annual Fee

$0

Annual Fee

$95

Annual Fee

$0

Regular APR

15.74% - 25.24% Variable APR

Rates & Fees

Regular APR

13.99% - 23.99% Variable APR

Rates & Fees

Regular APR

13.99% - 23.99% Variable APR

Intro APR

0% Intro APR* on balance transfers for 12 billing cycles

Intro APR

0% intro APR on Purchases for 12 months

Intro APR

0% on Balance Transfers for 18 months

Recommended Credit Score
Recommended Credit Score
Recommended Credit Score

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NerdWallet review

By Robin Saks Frankel

Rating details

4.7

Editor's overall rating

Pros and cons

Pros
  • High rewards rate

  • No annual fee

  • Intro APR period on Balance Transfers

Cons
  • Needs excellent credit

For those who aren't interested in tracking rotating bonus categories or juggling multiple cards for different spending areas, the U.S. Bank Cash 365™ American Express® Card offers an easy-to-understand 1.5% cash back on purchases. The card can also make a lot of sense for someone who's already a U.S. Bank customer, since having an account there makes redemption easier and more flexible.

But if you're willing to put in some extra work, you can snag better rewards rates elsewhere. There are other cash-back cards that offer higher rewards and better perks, including no foreign transaction fees and longer intro APR offers that include purchases, too.

For more information, check out our full review here.