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The U.S. Bank Cash 365™ American Express® comes with unlimited 1.5% cash back on every dollar. When you spend $500 in eligible net purchases in the first 90 days of account opening, you will earn $150. If you want to earn more cash back, you may consider the Discover it® Cash Back credit card. Earn Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate.. Plus, earn unlimited 1% cash back on all other purchases - automatically. Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.