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Benefits and Rewards

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U.S. Bank Cash 365
American Express® Card
  • Earn Rewards

    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.

    Log In to My Rewards

  • Redeem Rewards

    The U.S. Bank Cash 365 Card makes it just as easy to redeem as it is to earn:

    • 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.2

    How to redeem rewards:

    • Log in to Online Banking.
    • Under the “My Accounts” tab, select “My Rewards.”
    • Click “Redeem Rewards” to start redeeming.

    Or Contact Us to reach Cardmember Service.

    Important:

    • There is no minimum redemption when redeeming to checking, savings, money market or a statement credit.
    • The account must be open and in good standing to earn and redeem rewards.
    • Cash rewards earned do not expire.

    Log In to My Rewards

  • Travel Benefits

    Car Rental Loss and Damage Insurance

    Receive Auto Rental coverage by charging your entire rental transaction amount to your eligible card and declining the extra collision insurance (or loss damage waiver) from the rental company. If your rental car is damaged or stolen while you’re traveling, you can be covered! It’s your ticket to significant savings and increased peace of mind. Certain terms, conditions, and exclusions may apply.3

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

    Travel Accident Insurance

    Use your eligible credit card to purchase travel fares on common carriers (train, plane, bus, or ship) and receive automatic Accidental Death and Dismemberment Insurance for you and your family. Certain terms, restrictions, and exclusions may apply.3

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

    Travel and Emergency Assistance Services

    Enjoy your trip knowing you have a wide range of emergency services available 24 hours a day when you are away from home. Get help coordinating medical, legal, and travel services when you need them. You are responsible for the cost of any actual medical, legal, transportation, cash advance, or other goods or services provided. Certain terms, conditions, and exclusions may apply.3

    Call 855-327-1424 to learn more.

  • Shopping Benefits

    Best Value Guarantee

    Receive reimbursement of the price difference on an eligible item purchased entirely with your Card if an identical item is found for a lower price within 30 days of the purchase. Certain terms, conditions, and exclusions may apply.3

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

    Return Protection

    Receive reimbursement for covered items if you attempt to return your undamaged covered items to the retailer, but the retailer will not accept it. Certain terms, conditions, and exclusions may apply.3

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

    Retail Protection

    Protect your credit card purchases in case of theft or damage due to a covered reason for the first 90 days from the date of purchase. Retail Protection will replace, repair, or reimburse your eligible items of personal property purchased entirely with your eligible credit card. Certain terms, conditions, and exclusions may apply.3

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

    Extended Warranty Protection

    Double the time period of the original manufacturer’s written U.S. warranty up to one (1) additional year on warranties of one (1) years or less – up to a maximum of ten thousand dollars ($10,000) per claim. The eligible item must have been purchased with your eligible credit card. Certain terms, conditions, and exclusions may apply.3

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

    Entertainment Access

    Be among the first to buy tickets to some of the best concerts, Broadway shows, and sporting events in town. To take advantage of this benefit, look for American Express® Presale or Preferred Seating options when you purchase your tickets.4

     

  • Service Benefits

    24/7 U.S.-Based Customer Service

    We have dedicated specialists available 24/7 to assist you with any questions about your account.

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

    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.

    Learn More

    Chip Technology

    Your credit card is embedded with a microchip that adds an additional layer of security to your traditional magnetic stripe card. It turns cardmember information into a unique code that is virtually impossible to duplicate or copy when used at a chip-enabled terminal. If the merchant has a chip terminal, they will ask you to simply insert your card into the terminal and sign your name to verify your purchase. At merchants who are not equipped with chip terminals, swipe your card and sign your name as usual.

    Learn More

    Online and Mobile Account Access

    View your account balance, pay your credit card, set up account alerts, and more.

    Online Banking      Mobile Banking

    Free TransUnion® Credit Score

    Cardmembers enrolled in Online Banking can obtain their TransUnion® Credit Score at no cost.5  This tool tracks your credit score over time, shows you how certain credit actions can impact your score, provides email Alerts when there are big change to your credit report and includes 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.  Simply log in and click “Check My Credit Score for Free.”

    Log In to Online Banking

    FlexControl™ Budgeting Tools

    You know best how to manage your money, which is why FlexControl™ from U.S. Bank offers free credit card management tools that help you avoid interest and late fees. We provide automatic payment tools that give you the flexibility to pay off everyday purchases in full, accelerate payments to help pay down a balance faster, or pay off larger purchases over time. You can also set up account alerts and choose your payment due date.

    Learn More

    Cardmember Agreement Quick Guide

    It’s important to be familiar with the rules and understand how your card works. Check out this cardmember agreement overview and get answers to common cardmember agreement questions. Learn how to avoid interest on purchases, understand the different types of account charges, request a copy of your credit card agreement, and more.

    Learn More

    Credit Wellness Center

    Maintaining good credit makes life easier in a variety of ways. At the Credit Wellness Center, you can get answers to important credit questions such as:

    • What is a credit score?
    • How are credit scores calculated?
    • Why does credit matter?
    • How can I improve my credit score?

    Learn More

    Spend Analysis Online Reporting

    Our Spend Analysis online reporting tool makes tracking and monitoring expenses easy.

    • View a chart showing your spending information at a glance.
      • Monitor transactions in your top spend categories, such as Automotive, Food or Travel.
      • Review transactions monthly, quarterly or annually.
    • Download an easy to read Annual Account Summary (PDF format).

    Simply log in to Online Banking, select your credit card and click “Spend Analysis.”