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  US Bank Cash 365

US Bank Cash 365

in Personal Credit Cards from US Bank

Unaffiliated

US Bank Cash 365

Unaffiliated

in Personal Credit Cards from US Bank

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

US Bank Cash 365 Review

US Bank Cash 365 is a cashback credit card issued by US Bank. 

This card is designed for people with fair credit. The minimum credit score to apply is 650. 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.

Pros & Cons of US Bank Cash 365
Pros Cons
  • Unlimited 1.5% cash back
  • 0% introductory rate for the first year.
  • Modest reward rates.
  • Is there a US Bank Cash 365 cash back or rewards program?

    US Bank Cash 365 is a cashback card. This means you earn a percentage of your purchase as a cash reward.

    US Bank Cash 365 Rewards
    Rewards rate (all purchases) N/A
    Max rewards rate N/A
    Annual rewards limit N/A
    Signup Bonus ($) $150
    Signup Bonus Spend Requirement $500
    Signup Bonus Spend Period (months) 90 months

    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
    • Fraud Liability
    • Price Protection
    • Travel Accident Insurance
    • Reports to major credit bureaus

    What are the relevant APRs for US Bank Cash 365?

    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?

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

    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 Balance Transfers
    Description
    Balance Transfer APR 15.74% - 25.24%
    Introductory Rate 0%
    Intro APR period (months) 12
    US Bank Cash 365 Rates & Terms
    Description
    Balance Computation average daily balance
    Purchase APR 15.74% - 25.24%
    Credit Limit N/A
    Penalty APR 0%
    Cash Advance APR 25.74%
    Security Deposit N/A
    Introductory Rate 0%
    Intro APR period (months) 12

    What are the US Bank Cash 365 fees?

    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%
    Balance Transfer Fee 3%
    Minimum Balance Transfer Fee $5
    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 score.

    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

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

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

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