Get the most from your card.

A simple way to earn cash back.

  • Earn 1.5% cash back on every dollar of net purchases.1
  • No limit on the amount of cash back you can earn.

Important:

  • The account must be open and in good standing to earn and redeem rewards.
  • Cash rewards earned do not expire.

Shop the Earn Mall

Earn additional rewards while shopping online at 1,100+ stores using your American Express Card. Log into usbank.com > Rewards Center > Earn Mall.

Shop with PayPal

Enjoy the convenience of faster checkouts and secure payments! Set your card up as your preferred PayPal payment and shop the millions of sites that accept PayPal. Link your card by logging into usbank.com > Customer Service > Self Service > Add to PayPal or the U.S. Bank Mobile App.

PayPal Pay with Rewards

Set up Pay with Rewards and any rewards points available for your purchase will show up at checkout. Simply choose the rewards you want to spend, for full or partial payment. Link your card by logging into usbank.com > Customer Service > Self Service > Add to PayPal or the U.S. Bank Mobile App.

The Cash 365™ Card makes it just as easy to redeem as it is to earn:2

  • Deposit your cash rewards into your U.S. Bank checking, savings or money market account.
  • Receive a statement credit to your credit card account.
  • Receive a U.S. Bank Rewards Card.

How to redeem rewards through Online Banking:

  1. Log in to U.S. Bank Online Banking, this link opens in new window.
  2. Locate the "My Accounts" tab and select "My Rewards".
  3. Select "Redeem Rewards"

Contact Us to reach Cardmember Service.

#AmexforFoodies Dining Program

Enjoy up to 20% off your bill or a free appetizer for dine-in or take-out at participating restaurants.

Visit experiences.global/access/diningprogram for full details.

Booking.com

Eligible American Express Cardmembers can save up to 30% on select hotel bookings made at Booking.com through the Amex Benefits platform when using an eligible Card. Terms apply.

Car Rental Loss and Damage Insurance

Cash 365™ American Express® Cardholders are eligible to receive up to $50,000 reimbursement for repair or replacement of a rented automobile as a result of damage or loss to the rented automobile anywhere in the United State and Canada. Coverage applies provided the entire rental fee for the rental automobile has been charged to your Cash 365™ American Express® Card. Certain exclusions, restrictions, and limitations apply. Please refer to the Terms and Conditions for full details.3

Call 1-855-327-1424 for additional details to determine if this coverage is right for you or call 1-855-231-2867 to make a claim.

Travel Accident Insurance

Worldwide Travel Accident Insurance provides up to $1,000,000 coverage for accidental death or dismemberment while traveling on a common carrier when the entire fare is charged to your Cash 365™ American Express® Card.3

Contact Us or call the number on the back of your card to learn more.

Emergency Assistance Services

Emergency Assistance provides a hotline with an emergency referral service for medical and legal providers and for certain travel emergencies on a 24-hour per day basis for Cash 365™ American Express® Cardholders and eligible travel companions traveling internationally.3

Call 1-855-327-1424 to learn more.

Amex Offers

Amex Offers rewards you at places you like to shop, dine, travel, and more. To enroll, simply add offers to your Cash 365™ American Express® Card. Then use that same Card to pay and watch the rewards roll in.4

Learn more at www.amexoffers.com.

Best Value Guarantee

Best Value Guarantee provides reimbursement of the price difference on eligible items you purchase entirely with your Cash 365™ American Express® Card if an identical item is found for a lower price within thirty (30) days of the original purchase.3

Call 1-855-327-1424 to learn more or to initiate a request for a refund.

Return Protection

Get up to $300 with the Return Protection benefit on eligible items purchased entirely with your Cash 365™ American Express® Card. If a cardmember attempts to return an eligible item within ninety (90) days from the date of purchase and the merchant will not accept it in accordance with its return policies, you may be eligible for a refund.3

Call 1-855-327-1424 to learn more or call 1-866-503-3315 to make a claim.

Retail Protection

Retail Protection provides coverage on eligible items purchased entirely with your Cash 365™ American Express® Card that are damaged or stolen within ninety (90) days from the date or purchase.3

Call 1-855-327-1424 to learn more or call 1-866-503-3315 to make a claim.

Extended Warranty Protection

Extended Warranty doubles the original manufacturer's warranty up to a maximum of twelve (12) months on eligible items you purchase entirely with your Cash 365™ American Express® Card. Certain exclusions, restrictions, and limitations apply. Please refer to the Terms and Conditions for full details.3

Call 1-855-327-1424 to learn more or call 1-866-503-3315 to make a claim.

Entertainment Access

With your Cash 365™ American Express® Card, you get access to presale tickets for concerts, theater, sports and more all year round.5

24/7 Account Access

Use Online Banking or in the U.S. Bank Mobile App to make a payment, check your balance, view transactions, lock/unlock your card, add a travel notification and much more.

Contact Us or call the number on the back of your card.

If your card has been lost, stolen or damaged, call 1-800-285-8585 for assistance.

Fraud Protection

We have sophisticated fraud-monitoring tools that look for abnormal spending patterns. If we see something unusual, we move fast to keep your card and your account information safe.

Your account is also protected with zero fraud liability, which means you’ll get reimbursed for 100% of fraud losses due to unauthorized use of your account. Please notify U.S. Bank promptly of any unauthorized use. Certain conditions and limitations may apply.6

Digital Payments

Download the U.S. Bank Mobile App and add your card to your digital wallet. Learn more about U.S. Bank Mobile Banking.

Add an Authorized User
Add an authorized user, who can share your line of credit and card benefits. Its easy. Log in to usbank.com, link opens in new window > Customer Service > Add Authorized User or Log in to the U.S. Bank Mobile App, link opens in new window > Manage Cards > Select your card > Add a User.7

Choose a Payment Due Date

Everyone's schedule is different. So, it's handy to be able to pick when your payment is due. Simply call the number on the back of your card.8

Set up AutoPay

Set up AutoPay to ensure you always pay on time, avoiding late fees and possibly save on interest charges. It can also help you pay down your balance a little faster. When paying a bill within Online Banking or in the U.S. Bank Mobile App, click on the link to "Set up recurring payments".

Set Account Alerts

Track your balance, payments and more.9 Sign up at usbank.com/alerts. link opens in new window.

Your Credit Score

Cardmembers enrolled in Online Banking can obtain their credit score at no cost.10 This tool tracks your score over time, shows you how certain credit actions can impact your score and provides helpful information on how to maintain good financial health. This credit score is for educational purposes and is not used by U.S. Bank to make credit decisions. Sign up in Online Banking link opens in new window or sign up in the U.S. Bank Mobile App- link opens in new window.

Learn More about your credit score. This link opens in a new window.

Start of disclosure content

U.S. Bank may change APRs, fees and other account terms in the future based on your experience with U.S. Bank National Association and its affiliates as provided under the Cardmember Agreement and applicable law.

The Contactless Symbol and Contactless Indicator are trademarks owned by and used with the permission of EMVCo, LLC.

The creditor and issuer of your credit card is U.S. Bank National Association, pursuant to a license from American Express. American Express is a federally registered service mark of American Express.

Account must be open and in good standing to earn and redeem rewards and benefits. Upon approval, please refer to your Rewards Program Rules for additional information.

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  1. Cash back is earned on eligible Net Purchases. Net Purchases are purchases minus credits and returns. Cash back is not earned for Advances (including wire transfers, travelers checks, money orders, foreign cash transactions, betting transactions, lottery tickets and ATM disbursements), Convenience Checks, Balance Transfers, and Fees, credit insurance charges, transactions to fund certain prepaid card products, U.S. Mint purchases, or transactions to purchase cash convertible items.

  2. Cash back is redeemed in the form of a statement credit or a deposit made to your U.S. Bank Savings, Checking or Money Market Account based on your designation, or as a U.S. Bank Rewards Card ($25 minimum redemption on cash back). You may not redeem Cash back, and you will immediately lose all of your Cash back, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death). Cash rewards will expire at the end of the calendar month 36 months after the billing cycle in which they were earned.

  3. Certain terms, conditions and exclusions apply. Please refer to your Guide to Benefits for further details.

  4. Certain terms, conditions and exclusions apply. Please refer to amexoffers.com for further details and full terms and conditions

  5. Certain terms, conditions and exclusions apply. Please refer to ticketmaster.com/amexnetwork for further details and full terms and conditions.

  6. U.S. Bank provides Zero Fraud Liability for unauthorized transactions. Cardholder must notify U.S. Bank promptly of any unauthorized use. Certain conditions and limitations may apply.

  7. You agree to be responsible for all transactions the Authorized User makes on your account. Authorized Users can request Information on this account, such as but not limited to: current balance, payment due date and credit limit. Authorized Users can also perform certain maintenance functions on this account, such as but not limited to: activate a card, balance transfers, make a payment or remove their name from the account. Lastly, Authorized Users are not permitted to perform certain functions on this account, such as but not limited to: account closure, order a new card, or add a name on this account.

  8. Not all payment due dates may be available. If approved, please call the number on the back of your card for further information.

  9. For text messages, you may be charged access fees by your carrier, dependent on your personal plan. Check with your carrier on specific fees and charges.

  10. Free credit score access, alerts and Score Simulator through TransUnion's CreditView™ Dashboard are available to U.S. Bank online and mobile banking customers only. Alerts require a TransUnion database match. It is possible that some enrolled members may not qualify for the alert functionality. The free VantageScore® credit score from TransUnion® is for educational purposes only and not used by U.S. Bank to make credit decisions.