U.S. Bank Cash 365™ American Express® Card

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This is a special offer. Please see the offer details for more information.

This featured offer was noticed by Finance Globe staff to be unique and offer special benefit to cardholders.
  • New Cardmember bonus: $150 after you spend $500 in eligible net purchases in the first 90 days of account opening.
  • Unlimited 1.5% cash back on all eligible net purchases.
  • No categories. Just use your card and earn unlimited cash back.
  • Cash back never expires and no minimum redemption options.
  • No Annual Fee*.
  • 0% Intro APR* on balance transfers for 12 billing cycles. After that, a variable APR currently 15.24% - 24.24%
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards
Excellent Credit Personal $0* 0%* for 12 billing cycles* N/A 15.24% - 24.24%* (Variable) Cash Back


Quick Summary:
This is a cash back rewards card issued by U.S. Bank. This card is intended for consumers, or "personal use" with a nearly perfect credit history. Rates may vary among applicants, however the lowest standard APR is 15.24%* and may be as high as 24.24%* (Variable)*, depending on your credit worthiness*.

Important Rates:
There is a introductory balance transfer offer APR of 0.00% for 12 billing cycles*. There is no annual fee for this card.*

Rewards:
This card is a cash back card, where you can expect cash rewards for your purchases.

Credit Record Needed:
Based on the FICO score recommendation, applicants should have a great or nearly perfect credit record. A FICO credit score of 764 is recommended for a higher chance of approval, but this is not required. There are a number of other factors that this issuer may also consider when making decisions for approval. While your FICO score is usually a very important factor, you may want to consider other areas that may affect a decision for approval. For example, your debt to income ratio, recent credit inquiries, 30+ day delinquencies, or current credit accounts nearing the maximum amount may affect a credit decision.

FICO scores/credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, a credit score alone does not guarantee or imply approval for any U.S. Bank product.

Other Basics:
The grace period listed for the U.S. Bank Cash 365™ American Express® Card is at least 24 - 30 days*. So interest charges will not be applied for new purchases during this time. Be aware that some issuers will begin charging interest on cash advances and balance transfers on the transaction date.

American Express acceptance among businesses is moderate, but global. You should not have a difficult time finding businesses that will accept this card as a form of payment.

Approval Rate:
Currently, we have no applicant results in our system. You can be the first one to help by submitting your application results to assist other applicants before they apply for this card.

There have been no approvals in our internal system that we can calculate for this card. This could be due to lack of time that this card has been listed at Finance Globe or from other various factors. As we gain more information about the approval rates, we will update them here. Furthermore, if your FICO score is close to or higher than 764, then your chance of approval may be even greater.

Approval Time:
Approval time for this offer is not listed. You should expect a final credit decision within a couple of weeks, but normally much sooner.

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