The U.S. Bank Cash 365 American Express Card has an introductory bonus cash offer of: $150 when at least $500 is spent in the first 90 days of having your account open. This stands on a very competitive platform with other no annual fee cash back credit cards.
The Cash 365 is a great cash back credit card with the 1.5% return for all expenses. There are easy-to-use rewards with this credit card. Benefits for this cash back credit card is easily compared to other cards such as American Express Cash Magnet Card, the Capital One Quicksilver Cash Rewards Card, and Chase Freedom Unlimited.
Combining a flat-rate credit card with the category rewards card would be a great idea. The U.S. Bank Cash+ Visa Signature Card is a decent option issued with the same company.
U.S. Bank Cash 365 American Express Card Quick Facts
| Bonus Available | Receive $150 bonus cash after spending at least $500 in the first 90 days of opening your account. |
| Bonus Value | $150 |
| Ongoing Rewards/Benefits | Get unlimited 1.5% cash back on all qualifying expenses. |
| Foreign Transaction Fees? | 2% in USD, 3% in foreign currencies. |
| Annual Fee | $0 |
Recommended Free Credit Score (Get Free Score)
690 – 850 (Good – Excellent)
*If interested see our list of U.S. Bank bonuses for Checking & Savings accounts.*
*Bonus value is an estimated value calculated by BankCheckingSavings and not the card issuer. View our latest valuations here.
Pros
- No annual fee
- Bonus cash
- Simple rewards
Cons
- No bonus categories
- Rewards expire after 36 months
- Limited Amex acceptance worldwide
- Foreign transaction fees
Editor’s Alternate Pick
 The Chase Freedom Unlimited® Card offers a $250 bonus after spending $500 on purchases in your first 3 months from account opening. Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR. In addition, you can earn: • 6.5% cash back on travel purchased through Chase TravelSM, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more • 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service • 3% on all other purchases (on up to $20,000 spent in the first year). After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase TravelSM, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases. There is no minimum to redeem for cash back & your cash back rewards do not expire as long as your account is open. This card comes with no annual fee and you'll get a free credit score that is updated weekly with Credit JourneySM. Member FDIC |
Cash 365 Card $150 Bonus Cash Offer
Make use of the Cash 365 card’s introductory bonus cash offer of: $150. You must charge your card with a minimum of $500 in the first 90 days of having your account open to be able to qualify for this credit cards cash offer.
Here are some ideas on meeting the spending requirements:
Earning Your Cash 365 Rewards
Gain a simple flat rate of unlimited 1.5% cash back for all expenses in whichever spending option. There isn’t lots of cash back with this offer. However, you wouldn’t have to stress over any complicated rewards systems. If you are always using your card where American Express is taken, then you would be able to gain a good amount of cash back for your purchases.
Redeeming Your Cash 365 Rewards
When redeeming your cash back, they can be used towards:
- Statement credits to your Cash 365 account
- Direct deposits to a U.S. Bank account
- Gift cards ($20 minimum in $5 increments)
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Conclusion
The U.S. Bank Cash 365 American Express Card is a good card to have if you are seeking an easy cash back credit card. They will also work as a good additional credit card. With the spending categories that are used more often such as: gas and groceries, you would want to consider a different credit card that will offer you larger rewards for your daily expenses.
(Visit U.S. Bank for more information)
What’s the Competition?
There are some of U.S. Bank Cash 365 American Express credit card’s top competitors listed below.
The Chase Freedom Unlimited® Card offers a $250 bonus after spending $500 on purchases in your first 3 months from account opening. Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR. In addition, you can earn: • 6.5% cash back on travel purchased through Chase TravelSM, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more • 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service • 3% on all other purchases (on up to $20,000 spent in the first year). After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase TravelSM, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases. There is no minimum to redeem for cash back & your cash back rewards do not expire as long as your account is open. This card comes with no annual fee and you'll get a free credit score that is updated weekly with Credit JourneySM. Member FDIC |
 The Chase Freedom FlexSM offers a $200 bonus after spending $500 on purchases in your first 3 months from account opening. 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR. You'll earn: • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter! • 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more • 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service • Unlimited 1% cash back on all other purchases You cash back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back. This card has no annual fee. |
 The Capital One Quicksilver Cash Rewards Card offers $200 Cash Back after spending $500 on purchases within 3 months from account opening. 0% intro APR on purchases and balance transfers for 15 months; variable APR after that; balance transfer fee applies You'll earn: • 1.5% Cash Back on every purchase, every day with no rotating categories or sign-ups needed to earn cash rewards. • Unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply. This card comes with no annual fee and no foreign transaction fees which makes this card a viable option for your go-to everyday card. |
 The Capital One Savor Cash Rewards Credit Card offers a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening. 0% intro APR on purchases and balance transfers for 15 months; variable APR after that; balance transfer fee applies You'll earn: • 3% Cash Back at grocery stores (excluding superstores like Walmart and Target), on dining, entertainment and popular streaming services. • 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply). • 8% Cash Back on Capital One Entertainment purchases. • 1% Cash Back on all other purchases. This card comes with no annual fee and no foreign transaction fees. |
