U.S. Bank Cash 365

This card is built for someone who wants straightforward cash back with no annual fee and no category tracking. It works best as a simple everyday spending card for purchases that do not fit bonus categories on other cards, though its value is more about ease than standout rewards.

Welcome Offer

$150

Annual Fee

Rec. Credit Score

Good

Good For

Simple cash back

How to Apply Estimate your value

All information about U.S. Bank Cash 365 has been collected independently by MaxRewards. U.S. Bank Cash 365 is no longer available through MaxRewards.

Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.

Overview

Is the U.S. Bank Cash 365 worth it?

This card is great for...

Everyday non-bonus spending

No-fee cash back

Low-maintenance wallet setup

The U.S. Bank Cash 365 is worth considering if your priority is simplicity. A flat 1.5% cash back rate is easy to use, the $0 annual fee keeps the card low risk, and the welcome bonus is solid for a no-fee card. If you want one card that earns the same rate everywhere and does not require any strategy, it does that job cleanly.

The tradeoff is that 1.5% cash back is no longer especially strong for a flat-rate card. Many no-annual-fee cards now earn 2% back on general spending, so this card is a better fit for someone who values a basic U.S. Bank card or already banks with the issuer than for someone chasing the highest return. It is also not a good card for international use because of the 2% foreign transaction fee.

MaxRewards Verdict

A reasonable pick for cardholders who want uncomplicated cash back from a no-fee card and do not want to manage bonus categories. Most readers focused on maximizing everyday rewards will likely find better value from a 2% cash-back card.

Welcome Offer

$150

after you spend $500 on purchases on your new card in your first 3 months of card membership.

Est. Value

$150

Required Spend

$500

Time Frame

3 Months

Est. Value

$150

Required Spend

$500

Time Frame

3 Months

Earning

Rewards

The rewards setup here is as simple as it gets: the same cash-back rate on every purchase. That makes this card easy to use, but it also means the main question is whether 1.5% everywhere is strong enough for your spending.

CategoryRate

Everywhere

1.5%

Eligibility

Recommended Minimum Credit

Min: Good

Poor

Fair

Good

Excellent

Good credit or higher is recommended for this card.

Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.

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