U.S. Bank Cash 365™ American Express® Card
U.S. Bank Cash 365™ American Express® Card
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
 U.S. Bank Cash 365™ American Express® Card | ||
|---|---|---|
Annual Fee$0 | Annual Fee$95 | Annual Fee$0 |
Regular APR15.99% - 22.99% Variable APR | Regular APR12.99% - 22.99% Variable APR | |
Intro APR0% Intro APR* on balance transfers for 12 billing cycles | Intro APRN/A | Intro APR0% intro APR for 18 billing cycles on purchases and on any balance transfers made within 60 days of account opening |
Recommended Credit Score |
Recommended Credit Score |
Recommended Credit Score |
Wondering if this card is the best match for you?
Wondering if this card is the best match for you?
Wondering if this card is the best match for you?
Just tell us some details and see which card matches your needs most.
Just tell us some details and see which card matches your needs most.
NerdWallet review
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.
