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  US Bank Cash 365

US Bank Cash 365

in Personal Credit Cards from US Bank

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US Bank Cash 365

Unaffiliated

in Personal Credit Cards from US Bank

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Highlights
Highlights
Purchase APR  (Variable APR) 15.74% - 25.24%
Balance Transfer APR  (Variable APR) 15.74% - 25.24%
Credit Score Range 650 - 850
Annual Fee $0

US Bank Cash 365 Review

US Bank Cash 365 is a cashback credit card issued by US Bank. If you're wondering whether US Bank Cash 365 is the right card for you, read on. This is everything you need to know to make a good choice.

Key takeaways:

  • 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 12 months, which is the average period for 0% APR balance transfer cards.
  • 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 12 months.
  • Signup bonus. Offers a signup bonus of $150 if you spend $500 within 90 months.
  • Competitive APRs. US Bank Cash 365 has a variable purchase APR that ranges from 15.74% up to 25.24%.
  • No annual fee. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
  • 3% Balance transfer fee. US Bank Cash 365 charges a fee of up to 3% on balance transfers. For example, a balance of $1,000 could cost up to $30 in transfer fees. The minimum fee is $5.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
  • Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, extended warranty protection on purchases, price protection, purchase protection, travel accident insurance, and fraud protection.
  • Fair or better credit required. You stand a chance of qualifying if your credit score is not below 650.

US Bank Cash 365 Pros and Cons:

The Good The Bad
  • Unlimited 1.5% cash back
  • 0% introductory rate for the first year.
  • Lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 12 months.
  • 0% APR on new purchases during the first 12 months.
  • No annual fee.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Extended warranty and price protection on purchases.
  • Travel accident insurance.
  • US Bank Cash 365 reports to multiple credit bureaus.
  • Modest reward rates.
  • Does not offer rewards or cash back.
  • Charges a foreign transaction fee of 3%.
  • You don't earn rewards on every purchase.
  • Charges a 3% balance transfer fee.

Is there a US Bank Cash 365 cash back or rewards program?

No, US Bank Cash 365 does not offer a rewards program. US Bank Cash 365 is a cashback card. This means you earn a percentage of your purchase as a cash reward.

What are the US Bank Cash 365 benefits?

US Bank Cash 365 provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Zero fraud liability
  • Price Protection
  • Travel Accident Insurance
  • Reports to major credit bureaus

What are the relevant APRs for US Bank Cash 365?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. US Bank Cash 365 has lower than average purchase APRs.

US Bank Cash 365 has a variable purchase APR that ranges from 15.74% up to 25.24%. The card has a variable balance transfer APR that ranges from 15.74% up to 25.24%. It also has a variable cash advance APR of 25.74% .

The good news is this card does not charge a penalty APR if you are late on a payment.

Does US Bank Cash 365 have an introductory APR offer on balance transfers?

Yes, US Bank Cash 365 offers an introductory APR rate on balance transfers of 0% for a period of up to 12 months.

US Bank Cash 365 Balance Transfers
Description
Balance Transfer APR 15.74% - 25.24%
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period (months) 12
Balance Transfer Fee % 3%
Balance Transfer Fee Minimum $5

Does US Bank Cash 365 have an introductory APR offer on new purchases?

This card does offer an introductory APR rate of 0% on qualified purchases for a period of up to 12 months.

US Bank Cash 365 Purchase Intro Offer
Description
Introductory Rate 0%
Purchase Intro APR Period (months) 12

What are the fees for US Bank Cash 365?

The following fees apply to US Bank Cash 365:

  • There is no overlimit fee
US Bank Cash 365 Fees
Fees Amount
Annual Fee $0
Overlimit Fee $0
Foreign Transaction Fee 3%
Returned Payment Fee up to $35
Late Payment Fee up to $39

Does US Bank Cash 365 have a foreign transaction fee?

US Bank Cash 365 charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge a foreign transaction fee.

Does US Bank Cash 365 report your account activity to credit bureaus?

US Bank Cash 365 reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and can help improve your credit.

How to apply for US Bank Cash 365

  • Visit the US Bank Cash 365 website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.
  • If you're denied click here to find out why your application may have been rejected and what you can do about it.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SUPERMONEY Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Every Purchase (Points) 1.5% cash back.
Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 12 months
No Annual Fee  
Annual Fee $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 24 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Starting at 4%
Minimum Cash Advance Fee ($) Starting at $10
Foreign Currency Transaction Fee 3%
Minimum Interest Charge $2
Returned Payment Fee Up to $35
Late Fee Amount Up to $39
Customer Type Personal
Minimum Age 18
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 650 - 850
Card Type
  • Balance Transfer
  • Bonus Offers
  • Cashback
  • Zero Percent
Card Network American Express
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Emergency Support  
Travel Insurance  
Fraud Liability  
Extended Warranty  
Car Rental Insurance  
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Price Protection
  • Purchase Protection
  • Travel Accident Insurance
Bonus Rewards $150 bonus after applying online and spending $500 in eligible net purchases within the first 90 days of account opening.
No Reward Expiration Period  
Signup Bonus $150
Cash Advance APR (Variable APR) 25.74%
Balance Computation average daily balance
Penalty APR (Variable APR) 0%
Purchase APR (Variable APR) 15.74% - 25.24%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 12 months
Balance Transfer APR (Variable APR) 15.74% - 25.24%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%

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SUPERMONEY NET RECOMMENDATION SCORE

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Recommendation score measures the loyalty between a provider and a consumer. It's at 100% if everybody recommends the provider, and at -100% when no one recommends.

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