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

For People with
Fair Credit



The U.S. Bank Cash 365™ American Express® Card is a basic rewards card that earns an unlimited 1.5% cash back on all purchases, and an easy $150 signup bonus if you can spend $500 with it in the first 90 days of opening your account.

You’ll get an introductory balance transfer APR of 0%* intro for 12 billing cycles on Balance Transfers*, and after that you’ll have a rate of 16.24%–25.74% Variable.

This card has no annual fee.

Card Quick Facts

Card Quick Facts

  • New Cardmember bonus: $150 after you spend $500 in eligible net purchases in the first 90 days of account opening.
  • Unlimited 1.5% cash back on all eligible net purchases.
  • No categories. Just use your card and earn unlimited cash back.
  • Cash back never expires and no minimum redemption options.
  • No Annual Fee*.
  • 0% Intro APR* on balance transfers for 12 billing cycles. After that, a variable APR currently 16.24% – 25.74%

For People with
Fair Credit



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Want to pay a bill or check your balance?

Card Details



  • 1.5% cash back on every purchase

Introductory Bonus

  • $150 bonus for spending $500 in first 90 days
Card Stats

Card Stats

Annual Fee $0*
Additional Cards Annual Fee -
Regular Purchase APR 16.24% - 25.74%* Variable
Intro Purchase APR N/A for N/A
Foreign Transaction Fee 3%
Chip Technology Chip-and-Signature
Minimum Credit Limit -
Maximum Credit Limit -
Free Credit Score Yes
Penalty APR None
Late Fee Up to $39
Returned Payment Fee Up to $35
Balance Transfers

Balance Transfers

Intro Balance Transfer APR 0%* intro for 12 billing cycles on Balance Transfers*
Regular Balance Transfer APR 16.24%–25.74% Variable
Balance Transfer Fee 3%
Cash Advances

Cash Advances

Cash Advance APR 26.24% Variable
Cash Advance Fee 4%, $10 minimum

Card Benefits

Check your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.

  • Free VantageScore Credit Score

    Check your VantageScore 3.0 credit score for free whenever you’d like, based on your TransUnion credit report.

  • Entertainment Access

    Exclusive tickets offers in big cities around the country.

  • $0 Fraud Liability

    You won’t be held responsible for unauthorized transactions.

  • Fraud Protection

    Proactively monitors your account for fraudulent activity.

  • Extended Warranty Protection

    Eligible manufacturer’s warranties of 3 years or less can be doubled, up to one additional year.

  • Retail Protection

    Eligible purchases are covered against theft or damage for the first 90 days from date of purchase.

  • Return Protection

    Get extra return protection any time you make an eligible purchase of an item up to $250, if you’re dissatisfied with the product within 90 days and the merchant will not accept a return.

  • Best Value Guarantee

    If you find a lower price within 30 days of purchasing an item with your card, you may be eligible to receive reimbursement for the price difference.

  • Car Rental Loss and Damage Insurance

    Coverage against damage and theft of eligible rented vehicles when you decline the rental company’s own insurance.

  • Travel Accident Insurance

    Get reimbursed up if you or a family member gets in an eligible accident while traveling by common carrier.

  • Travel and Emergency Assistance Services

    Provides help coordinating medical, legal, and travel services when you’re away from home.

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