US Bank Cash 365

US Bank Cash 365 Review

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This is a cashback card issued by U.S. Bank. If you're wondering whether US Bank Cash 365 is the right card for you, read on.

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 up to $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 cashback card. It gives you cashback on your eligible purchases, 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 3% on balance transfers. For example, a balance of $1,000 could cost $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 will have good approval odds if your credit score is above 650.

Pros & Cons of US Bank Cash 365

The Good

The Bad

Unlimited 1.5% cash back 0% introductory rate for the first year. Potentially 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. There is then a variable purchase APR that ranges from 15.74% up to 25.24%. 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. Charges a foreign transaction fee of 3%. You don't earn rewards on every purchase. Charges a 3% balance transfer fee.

US Bank Cash 365 FAQ

Does US Bank Cash 365 have a cash back or rewards program?

No, it does not offer a rewards program. This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.

What are the US Bank Cash 365 benefits?

It 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 regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has lower than average regular 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 that ranges from 15.74% up to 25.24%.

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

What are the fees for US Bank Cash 365?

The following fees apply:

• 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 $39
Late Payment Fee	up to $39

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.

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

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