If you are looking for a great everyday credit card that will earn you easy cash back, then the U.S. Bank Cash 365 American Express Card might be perfect for you. You have the opportunity to earn a $150 cash back bonus after making at least $500 in purchases in the first 90 days of your account opening. Compare this card with other top no-annual-fee cash back cards.
You could also earn up to 1.5% cash back on all qualifying net purchases! If you prefer simple rewards, this could be a great fit for you. Compare the features offered with other cards like the American Express Cash Magnet Card, Capital One Quicksilver Cash Rewards Credit Card and Chase Freedom Unlimited.
This card has a $0 annual fee, no categories and no enrollments. It is a simple, easy to use, everyday card. Start getting rewarded for on those everyday purchases with the U.S. Bank Cash 365 American Express Card!
*U.S. Bank also offers great sign-up bonuses for its Checking/Savings accounts.
U.S. Bank Cash 365 American Express Card Summary:
Bonus Available | Get $150 bonus cash after you spend $500 within the first 90 days of account opening. |
*Bonus Value | $150 |
Travel Credit | No travel credit |
Ongoing Rewards/Benefits | Unlimited 1.5% cash back on all eligible purchases. |
Foreign Transaction Fees | 2% in USD, 3% in foreign currencies. |
Airport Lounge Access | N/A |
Annual Fee | $0 |
Recommended Free Credit Score (Get Free Score) 670 – 850 (Good – Excellent)
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 $200 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. 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
Get the Cash 365 card’s welcome bonus offer of $150 bonus cash. To qualify for this bonus you must charge at least $500 to your card within the first 90 days of opening your account.
Here are some ideas on meeting the spending requirement:
Earning Your Cash 365 Rewards
Earn an easy flat rate of unlimited 1.5% cash back on every purchase, no matter what the spending category is. That isn’t too great of a deal. However, the good news is that you won’t have to deal with complex rewards structures. If you consistently use your card wherever American Express is accepted, you could get a decent amount back for your spending.
Redeeming Your Cash 365 Rewards
You can redeem your cash back as:
- Statement credits to your Cash 365 account
- Direct deposits to a U.S. Bank account
- Gift cards ($20 minimum in $5 increments)
Bottom Line
The U.S. Bank Cash 365 American Express Card is a simple credit card that allows you to get up to 1.5% cash back on all qualifying net purchases while having no annual fee. You will also receive a $150 cash rewards bonus after making at least $500 in purchases in the first 90 days of your account opening.
Enjoy additional benefits such as complimentary rental car insurance and other travel benefits, exclusive and prioritized entertainment access, and extended warranties on select items. If you are interested in more deals that U.S. Bank has to offer, see our list of the Best U.S Bank Promotions. For more credit cards, see our latest list of the best credit card bonuses.
What’s The Competition?
The Chase Freedom Unlimited® Card offers a $200 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. 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 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; 19.24% - 29.24% 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 Chase Freedom FlexSM offers a $150 bonus after you spend $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 of 19.24% - 27.99%. 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 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; 19.24% - 29.24% 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. |
The Blue Cash Everyday® Card from American Express offers $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months. Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 18.24% to 29.24% variable APR. You'll earn: • 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%. • 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%. • 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%. • 1% back on other eligible purchases. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout. There are no annual fees with this card (See Rates & Fees). Terms Apply. |
The editorial content on this page is not provided by any of the companies mentioned, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author’s alone.
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