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

Approval Odds

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4.0 out of 5 stars
1 Review

From Cardholders in the last year

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Application Process

5 out of 5 stars

Customer Service

4.5 out of 5 stars

4 5

Card Details

  • Balance Transfer Intro APR 0%* for 12 Billing Cycles
  • Balance Transfer Regular APR 14.74% - 23.74%* Variable
  • Annual Fee $0
  • Purchase Intro APR Not Applicable
  • Purchase Regular APR 14.74% - 23.74%* Variable

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.


These reviews were written by current and former cardholders in the last year.

Jan 10, 2017
Anonymous Cardholder

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.

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See Your Approval Odds Before You Apply

Sign up for a free membership, and Credit Karma can estimate your chances of approval based on your credit profile. You’ll also get:

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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.

† 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 and typical low score to the 5th 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 2014 through November 2014. 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.

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