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

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You could earn	Worth	Plus Welcome Bonus	Total
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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

Rewards

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Reward Rate = 1.5x

Value = 1 cent per point
Effective Value = 1.5 %

Welcome Bonus = 15,000

Value = 1 cent per point
Effective Value = $150

$1700

Annual Fee = $0

$695

Welcome Bonus

$150 Cash Back

After you spend $500 in 3 months

GigaInfo about Welcome Bonuses Welcome Bonuses 101 Article

Spending Rewards

1.5% All Spending

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.

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0.4¢ PER POINT

2¢+ PER POINT

Annual Fee

Are Annual Fees Worth It?

The GigaPoints Guide to Credit Card Annual Fees Article

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

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%