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

Our Detailed Review of This Card

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If you're in the market for a cash back card that earns rewards on all purchases and offers a 0% intro APR on balance transfers, the U.S. Bank Cash 365 American Express® Card is right up your alley. It also comes with some extra benefits.

First off, you'll get a $150 bonus after spending $500 in the first 90 days — that's a whopping 30% cash back on the first $500 you spend! Plus, you'll earn a straightforward, unlimited 1.5% cash back on all purchases. Earning cash back on everything you buy with the card means you don't need to worry about signing up for rotating categories. You can redeem your rewards as a statement credit, rewards card, or deposit made to your U.S. Bank savings, checking or money market account. There is no minimum redemption requirement (except for the rewards cards, which is a $20 min), which is great because it means you can redeem whatever cash back you've earned at any time without waiting to accrue a minimum amount.

On top of the great cash back rewards, you can take advantage of a 12-month 0% intro APR on balance transfers made within the first 60 days. This is a convenient way to save money on interest fees, especially if you're carrying a balance on other high-interest cards. Just note that there is a 3% balance transfer fee ($5 min). If you're concerned about the fee, use our free and easy Balance Transfer Calculator to see if the card works for you.

You'll also enjoy terrific American Express benefits like extended warranty, return protection, North America car rental loss and damage insurance, and travel accident insurance. Combine this with no annual fee and a low ongoing interest rate (depending upon creditworthiness) and you've got a smart choice.

Overall, the U.S. Bank Cash 365 American Express® Card is a good choice if you're looking for a cash back card with a 0% intro APR for balance transfers. The American Express benefits and no annual fee make this card even more appealing.

Fees and APR

  • Annual Fee: $0*
  • Purchase APR: 15.99% - 24.99%* (Variable), depending on credit history.
  • Balance Transfer APR:0%* intro on BTs for 12 months for transfers made in the first 60 days, then 15.99% - 24.99%* (Variable)
  • Balance Transfer Fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater.
  • *Terms and Conditions


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