U.S. Bank Cash+ (2026 Category Refresh)
Best for: Cash+ fans awaiting the confirmed category refresh
Pros
- New category choices are anticipated
- It will likely keep its no-annual-fee status
Cons
- Nothing is locked in yet
- Category and cap specifics are unconfirmed
- Details could shift before it launches
Rates and offers change. Confirm today's terms on the issuer's official site before applying. Independent comparison — not financial advice.
This is a refresh-in-progress of the U.S. Bank Cash+ choose-your-5%-category card, and the updated category lists, caps and intro terms aren't finalized as of 2026, so there's nothing to apply for with certainty yet. If you already love picking your own 5% categories, sit tight until U.S. Bank publishes the new structure, because a category being dropped or capped lower can quietly gut the value you signed up for. The existing Cash+ or a fixed-category cash card remains the safer bet meanwhile. Note the 3% foreign transaction fee makes any version of this a poor travel companion. Confirm the final categories and caps on U.S. Bank's site once posted.
U.S. Bank Cash+ (2026 Category Refresh) at a glance
| Issuer | U.S. Bank |
| Card network | Visa |
| Annual fee | No annual fee |
| Rewards rate | Expected to keep choose-your-own 5% categories with possible list and cap changes; specifics not yet confirmed |
| Welcome bonus | To be announced |
| Intro APR | Expected 0% intro APR offer (terms TBD) |
| Regular APR | See terms |
| Foreign transaction fee | 3% |
| Credit needed | Good to Excellent (700+) |
| Airport lounge access | No |
| Best for | Cash+ fans awaiting the confirmed category refresh |
Rewards & perks
- Rumors point to changes in the category list
- The pick-your-own 5% setup is expected to stay
- Signing up each quarter will likely still be required
Pros
- New category choices are anticipated
- It will likely keep its no-annual-fee status
Cons
- Nothing is locked in yet
- Category and cap specifics are unconfirmed
- Details could shift before it launches
Who should apply
- A credit score in the good-to-excellent range
- Selecting categories each quarter is expected
- Official details are still pending
Before you apply: card terms change often. Confirm the current annual fee, APR, welcome offer and rewards on the official U.S. Bank site. CreditCardCompare is an independent comparison resource, not the card issuer, and this is not financial advice.
How it compares with similar USA cards
| Card | Annual fee | Rewards | Intro APR | Foreign fee | Credit needed | Rating |
|---|---|---|---|---|---|---|
U.S. BankCash+ 2026 Category Refresh 4885 8568 9534 1529 VALID THRU 10/29MORGAN LEE U.S. Bank Cash+ (2026 Category Refresh)Cash+ fans awaiting the confirmed category refresh |
None | Expected to keep choose-your-own 5% categories with possible list and… | Expected 0% intro APR offer (terms TBD) | 3% | Good to Excellent (700+) | — |
ChaseFreedom Unlimited 4734 2504 9544 4664 VALID THRU 10/32ALEX MORGAN Chase Freedom UnlimitedChase cardholders who pool points across the ecosystem |
None | 5% travel via Chase Travel, 3% dining and drugstores, 1.5% on all othe… | 0% intro APR on purchases for 15 months | 3% | Good (690+) | |
American ExpressBlue Cash Preferred 3488 297728 06483 VALID THRU 06/31ALEX MORGAN Blue Cash Preferred Card from American ExpressFamilies with heavy supermarket and streaming spend |
$95/yr | 6% U.S. supermarkets (up to $6k/yr), 6% select U.S. streaming, 3% tran… | 0% intro APR on purchases for 12 months | 2.7% | Good to Excellent (700+) | |
ChaseFreedom Flex 5331 9672 3196 0810 VALID THRU 02/30MORGAN LEE Chase Freedom FlexOrganized optimizers who'll track quarterly bonus categories |
None | 5% rotating quarterly categories (activation required), 5% travel via… | 0% intro APR on purchases for 15 months | 3% | Good (690+) |
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