Please note: This card has been discontinued and is not currently accepting new applications.

Last updated: 5/6/2021

U.S. Bank Cash 365

Earns: Cash Back

GigaTake:

A solid cash-back card that earns 1.5% on all spending. Other cash back cards will earn you 2% and some points cards will earn you more total value.

Here’s how much you would earn with this card

(Based on spending from {{earliestTransactionDate | date}} through {{latestTransactionDate | date}})

You could earn Worth Plus Welcome Bonus Total
{{totalPointsYouCouldEarn | number}} Cash Back
per year
${{totalPointsYouCouldEarnValue | number}} {{welcomeBonus | number}} points
worth ${{welcomeBonusValue | number}}
${{totalValueToUser | number}}

How’d we figure that out?

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${{annualFeeAmount | number}}Annual Fee

${{basePointsAmount | number}} All Other ({{card.card.earning_rate}}%x) All Spending ({{card.card.earning_rate}}%x)

${{merchantBonusAmount | number}}{{ merchantsBonusLabels | commaSeparate }} ({{merchantsBonusAmounts[0].multiplier}}%x)

${{categoryBonusAmount.bonus | number}}{{categoryBonusAmount.category }} ({{categoryBonusAmount.multiplier}}%x)

${{categoryDiscount.discount | number}}{{categoryDiscount.category}} Credit

${{merchantCreditAmount | number}}Merchant Discounts

${{welcomeBonusAmount | number}}Welcome Bonus


Annual Fee${{annualFeeAmount | number}}

All Other ({{card.card.earning_rate}}%x) All Spending ({{card.card.earning_rate}}%x) ${{basePointsAmount | number}}

Merchant Bonus ({{merchantsBonusAmounts[0].multiplier}}%x)${{merchantBonusAmount | number}}

{{categoryBonusAmount.category }} ({{categoryBonusAmount.multiplier}}%x)${{categoryBonusAmount.bonus | number}}

Welcome Bonus${{welcomeBonusAmount | number}}

Pros

  • 1.5% cash back on all purchases is good, if not great.
  • No annual fee.

Cons

  • You can do better with a 2% cash back card.

See how the U.S. Bank Cash 365 compares to other credit cards

U.S. Bank Cash 365 Other Cards


Hover the dots to view other Credit Cards

Reward Rate = 1.5x

Value = 1 cent per point
Effective Value = 1.5 %

0%
3%

Welcome Bonus = 15,000

Value = 1 cent per point
Effective Value = $150

$0
$1800

Annual Fee = $0

$0
$995
Welcome Bonus
$150

OK

Bonus Rating

Cash Back

After you spend $500 in 3 months

GigaInfo about Welcome Bonuses Welcome Bonuses 101 Article
Spending Rewards
1.5% All Spending

Good

good

Good

In the top 50% of cards.

Is this card right for me?

That depends on your individual spending patterns. We have a tool that figures it out for you. Learn what you could earn.

Program Name
Cash Back
Gigapoints Value
1¢ per point
0.4¢ PER POINT
2¢+ PER POINT
Annual Fee
  • $0
Use this card for…

You can earn more rewards by using different cards for different purchases. We built a tool that tells you which card to use, when. Just plug in your favorite brand, store, or category to find out which card pays the most.

Use the Best Card For tool Go

The Fine Print

PURCHASES APR 15.49% to 25.49%
BALANCE TRANSFER APR 15.49% to 25.49%
BALANCE TRANSFER FEE Either 3% of the amount of each transfer or $5 minimum, whichever is greater.
CASH ADVANCE APR 25.49%
CASH ADVANCE FEE Either 4% of the amount of each advance or $10 minimum, whichever is greater.
LATE PAYMENTS Up to $39
FOREIGN TRANSACTION FEE 3%