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

  • Earn a new cardmember bonus of $100 after you spend $500 in net purchases on your card within the first 90 days of account opening.
  • Earn 1.5% cash back on every $1 of eligible net purchases.  
  • No limit on the amount of cash back you can earn.  
  • No minimum redemption when redeeming cash as a statement credit or direct deposit to a U.S. Bank checking or savings account.
  • No Annual Fee*.
Annual Fee:
Purchase Intro APR:
Purchase Regular APR:
13.24% - 23.24%*
Balance Transfer Intro APR:
Balance Transfer Regular APR:
13.24% - 23.24%*

Details, Rates & Fees

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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 24.24%
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


Sign-Up Bonus

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

All Purchases

1.5% cash back per dollar

No cap on spending

Our Take

The U.S. Bank Cash 365TM 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.

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† 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 June 2016 through November 2016. 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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