U.S. Bank Cash 365 Cash Back Calculator

U.S. Bank Cash 365 Card

1.5% On Purchases

Calculate total cash back and the cash value of the U.S. Bank Cash 365 Card based on monthly/yearly spend and compare the results against top reward cards.


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The Cash 365 Card is a 1.5% cash back card offered by U.S. Bank. It's yet another simple, straightforward cash back card that offers the standard redemptions most cash back cards have. The Cash 365 Card holds it's own weight just fine, but it pairs well with the U.S. Bank Cash+ Visa Signature Card to create a powerful card combo for anyone who wants to earn cash back with U.S. Bank.

Bonus Categories

The U.S. Bank Cash 365 Card earns cash back at a flat rate for all purchases and does not have any bonus categories. There is no limit to the amount of cash back you can earn with this rewards card and cash back never expires as long as your account is opened.

1.5% All Purchases

The U.S. Bank Cash 365 card earns 1.5% cash back for every $1 spent on all purchases. This means you will earn 1.5 cents for every $1 in purchases ran across the card. There's nothing out of the ordinary with this U.S Bank Card. It's another simple 1.5% cash back credit card. The Cash 365 Card is an alternative choice to someone who wants great American Express benefits but do not want the Cash Magnet Card. Other cards comparable to the Cash 365 is the Capital One Quicksilver Card, Chase Freedom Unlimited and Wells Fargo Cash Wise Visa.

Perks and Benefits

Standard Amex Benefits

The U.S. Bank Cash 365 Card does not have any perks specific to the card itself, but it does offer great American Express benefits such as emergency assistance, entertainment access, extended warranty, return protection, travel accident insurance, and more!

Sign Up Bonus

The standard U.S. Bank Cash 365 sign up bonus is a $150 cash back bonus after making $500 in eligible net purchases within the first 90 days of account opening. This is a solid return bonus for such a low amount of spend.

Credit Card Fees

Fees
Annual Fee
Authorized User Fee
Foreign Transaction Fee

Annual Fee

There is no annual fee for the U.S. Bank Cash 365 Card. You will always earn a solid 1.5% return when running spend through this card.

Authorized User Fee

There is no fee to add authorized users to the U.S. Bank Cash 365 Card. If you're trying to build cash back with this card, I recommend adding friends and family to help out.

Foreign Transaction Fee

The U.S. Bank Cash 365 Card has a foreign transaction fee of 3%. This means you will lose cash back twice as fast when you use this card outside of the United States. I would not recommend using this card for international purchases. Pick up a 1.5% return card with no international transaction fee like the Discover IT Miles or Capital One Quicksilver Card.

and Card Value Calculator

You can use this rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on rewards earned and how much each benefit is worth to you minus the fees. You can click the Compare A Card button to compare this card against another card in the same calculator.

All category spend entered in the primary card's column will carry over to all credit card pages on the site so you don't have to re-enter the same information over again.

Credit Card
This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any another rewards card side-by-side by clicking on the Compare A Card button.
Compare A Card
Compare A Card
Select a card from the list below to compare it side by side against this card. You can search by card name (e.g. chase sapphire reserve, uber visa) or by rewards program (e.g. thankyou points, membership rewards points).
Currency Worth
This is the cash value of points and miles used in these calculations. You can click on the amount to change the value or you can select View Rewards As to calculate your rewards when transferred to partners.
View Rewards As...
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0 Cent(s)
View Rewards As...
This section allows you to view your rewards as if you transferred them to a partner. Select a transfer partner below and the calculator will alter the calculator to reflect the transfer ratio and the reward currency of the receiving program. This only applies to the currency of the selected card. Not all programs have transfer partners. I also do not have the cash value of points and miles for all transfer partners.
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Edit Value
Enter the cash value of these rewards in cents per point/mile. You can enter the value as X.XX cents or 0.0XXX cents. The maximum value allowed is 15 cents ($0.15) and the minimal value is 0.1 cents ($0.001).
Loyalty/Rewards Programs
Covers hotel loyalty status, status with bank rewards programs, and few others. These are added automatically based on card selection, but can be manually added as well.
/ Loyalty Programs
Add/Remove Loyalty Programs
Select which loyalty programs you want to include in the calculations. You will be able to select your status with the program and it will calculate additional points/bonuses based on what you enter in the calculator.
Loyalty Programs
Other Bonuses
All card card specific bonuses will be listed here. These are added automatically based on the selected card(s).
Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value. You can use +/- Categories to add and remove categories from the list and Options to copy spend between columns and clear all spend.
/ Categories
Options
Add/Remove Categories
Select which categories you want to appear in this calculator. You can search categories by typing in a keyword below. De-selecting categories will remove them from this calculator. Categories are changed once you hit 'Update'.
Currently Selected:
Deselect All
Clear Spend
This will clear the spend in all of the categories in both columns. This will also clear all saved values.
Copy Spend
Copy Right will take the spend from the left column and copy it to the right column. Copy Left will take the spend from the right column and copy it to the left column. The spend amount ($) and unit of time (month, day, quarter) will be copied over.
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Reward Bonuses
This section holds sign up bonuses, loyalty bonuses, and bonus bonuses. Most bonuses here will be listed automatically based on certain criteria. You can click 'Extra Bonus' if you wish to enter your own bonus amount.
Extra Bonus
Any additional bonuses you wish to add such as a sign up bonus or point bonus for adding authorized users
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Total Earnings
Sum of all rewards above this line.
Cash Value of Earnings
Based off of currency worth.
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Calculator Continues Below
Monetary Bonuses/Perks
This is a list of cash perks and bonuses associated with the selected card(s). Some perks will be listed here automatically. You can click on 'Perk Bonus' if you want to add additional value for the card.
Perk Bonus
Enter how much you value any unmentioned perks this card offers.
$0
Annual Fees
This section contains the annual fee and authorized user fee (if applicable) to hold on to the listed card(s).
$0
Edit Fees
Edit the annual fee and authorized user fee of the Card (if applicable).
Annual Fee: -
Auth Fee: -
Grand Total
The total estimated value you can get out of this card and the amount of return for your spend.
Total Card Value
The value of the card when everything is taken into account.
$0
Total Return
The percent you are earning per dollar spent on this card.
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Page Last Updated: 2019-09-22

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About These Calculators: These calculators are provided to help you estimate the value of points, miles, and cash back you can earn with various rewards programs and using reward earning credit cards. These calculators are meant to provide an estimate of rewards earned and are not meant to reflect the exact amount of points you may receive. Be sure to read the terms and conditions of any credit card before you apply as benefit and perk changes may not be reflected immediately on this website.


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