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

Sorry, this offer is no longer available on Credit Karma.
  • Earn unlimited 1.5% cash back on eligible net purchases
  • New cardmember bonus:  $100 after you spend $500 in eligible net purchases in the first 90 days you have the card
  • 0% Intro APR on balance transfers for 12 billing cycles.  After that, a varia ble APR currently 14.74% - 23.74%  
  • Unlimited cash back
  • Cash back never expires
  • No annual fee
  • Great Offer for Customers of U.S. Bank, a 2017 World's Most Ethical Company® - Ethisphere Institute, March 2017
Annual Fee:
$0
Purchase Intro APR:
N/A
Purchase Regular APR:
14.74% - 23.74%*
Variable
Balance Transfer Intro APR:
0%
(12 Billing Cycles)
Balance Transfer Regular APR:
14.74% - 23.74%*
Variable

Details, Rates & Fees

Click here for Additional Details

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* See the online Provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the 'Apply Now' button, you can review the credit card terms and conditions on the provider's website.

Cash Advance Rate 24.74%
Cash Advance Fee 4%, Min: $10
Late Fee Up to $37
Penalty APR N/A
Balance Transfer Fee 3%, Min: $5
Foreign Transaction Fee Up to 3%
Return Payment Fee Up to $35

Rewards

Sign-Up Bonus

Earn $100 after you spend $500 in the first 3 months.

All Purchases

1.5% cash back per dollar

No cap on spending


Cardholders' Reviews

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.
Most Helpful Positive Review
Anonymous
Perfect
by Anonymous
Helpful to 2 out of 2

It is so simple and it offers great benefits since it is still considered to be Amerian Express. I really like how the card looks too. There is no annual fee which is nice. Although 1.5% cashback may not sound like a lot it really does add up. I really enjoy using it and the friendliness of US Bank and American Express whenever I have an issue is unbelievable. I would reccomend this card to anyone.

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.
Most Helpful Review
Anonymous
Perfect
by Anonymous
Helpful to 2 out of 2

It is so simple and it offers great benefits since it is still considered to be Amerian Express. I really like how the card looks too. There is no annual fee which is nice. Although 1.5% cashback may not sound like a lot it really does add up. I really enjoy using it and the friendliness of US Bank and American Express whenever I have an issue is unbelievable. I would reccomend this card to anyone.


Our Take

The U.S. Bank Cash 365™ American Express® Card offers steady rewards and solid benefits.

What to Like

Cardholders get 1.5% cash back on all eligible net purchases. Your rewards never expire and you can also reap the benefits of typical American Express perks, like early access to concerts and shows and extended warranties on eligible product purchases. Plus, there’s no annual fee.

Look Out For

There’s a balance transfer fee and a foreign transaction fee.

Similar Offers

† Credit Karma looks at how your credit profile compares to other Credit Karma members who were approved for this product. Of course, there's no such thing as a sure thing, but knowing whether your Approval Odds are Very Good, Good, Fair or Poor may help you narrow down your choices.

‡ Average score refers to the arithmetic mean, typical low score to the 5th percentile and typical high score to the 95th percentile of, in each case, available VantageScore 3.0 credit scores provided by TransUnion of Credit Karma members who were approved for this product from March 2017 through August 2017. Average and typical approved scores are provided as guidelines only and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.

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