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

No Over-the-Limit Fee. You won’t pay an over-the-limit fee if your credit card balance goes over your credit limit.

For Example:

Let’s say your credit card limit is $5,000. One month, you spend more than your limit on the card. Some credit card companies will charge you between $25 and $35 for this mistake. If your card advertises no overlimit fee, you won’t be charged a penalty for your spending.

This credit card comes with a No Penalty APR. You won’t default to a higher APR if your payment arrives on or after day 60.

Overdraft Protection. Are you worried that you may spend more than your limit on your credit card? If you sign up for overdraft protection, you’ll be fine. All you have to do is link your credit card to your checking account. The excess amount will be drawn from there, and your transaction will be approved.

Extended Warranty Insurance. This credit card extends the original manufacturer’s warranty of an item. You get the benefits of an extended warranty without purchasing the store’s expensive extended warranty.

Imagine that thing you bought at full price goes on sale the next week. With this credit card’s Price Protection benefit you can get back the difference between the sales price and what you paid. You can only claim this benefit for the exact item: same model; same manufacturer; same everything.

For Example:
Let’s say you bought a round-trip ticket to Orlando for $750, but two weeks later, the airline has a sale. Everything is the same, except it now costs $500. If you had a price protection guarantee on your credit card, your credit card company would refund you $250. Contact your credit card company to find out specifics on how to get the money back.

Purchase Protection. If that thing you bought is stolen or accidentally damaged within a specific period of time, you’re covered. The credit card company may reimburse you up to the full purchase price.

Rental Car Insurance. This credit card covers any damage from collision or theft on most rental vehicles, up to the value of the car.

Have you ever had that thing you bought break just outside the warranty period? With Return Protection, you have a longer warranty period to make sure it worked, or decide if you like it.

Travel Accident Insurance. If you’re ever in an accident while on a vehicle licensed to transport the general public, you’ll want this insurance. It covers injuries from losing an eye or a limb all the way up to death.

This credit card company offers Credit Monitoring services that protect your credit score. This means they’re watching your credit report for you. If any suspicious activities or changes occur, the credit card company will alert you as soon as possible.

The credit card company’s Fraud Protection keeps your account safe from unauthorized charges. In fact, once the charges are proven fraudulent, you will be guaranteed a refund. All you have to do is check your statement. If you find something wrong, contact the credit card company and file a claim.

Entertainment Access. Some credit card companies host exclusive card member-only events, like Broadway shows, concerts, sporting events and more.

Global Assist Hotline. This service provides the credit card holder with customs information and destination guides. Should you be traveling more than 100 miles from home, Global Assist provides extra services. These include help for a lost passport, translation requests, missing luggage, and emergency legal and medical referrals. As the cardholder, you would be responsible for any fees from third-party service providers. Fortunately, you may be able to charge these to the credit card.

U.S.-based Customer Service. No matter what time you need them, the credit card company is available 24/7. Their offices are 100% U.S.-based, and you can speak to a live person with minimal automated prompts.

U.S. Bank Cash 365™ American Express® Card allows you to pay off part or your entire bill with a Statement Credit offered as a sign-on bonus.

For example, you have a credit card which offered a $200 statement credit. In order to get it, you have to make purchases totaling $1000 or more within the first 90 days of opening the card. You spend $1100. When you get your credit card statement for the month following the introductory period, your bill will be reduced by $200. So if your credit card bill is $500, you will only have to pay $300.

Cash Back Bonus. Get some cash back as a bonus when you sign up for the credit card. The bonus offer is valid for a specific time. There are limitations.

Roadside Assistance. This credit card company can arrange for someone to meet you for roadside repairs. They can also organize to have your car towed to your home or a shop within a specific radius.