U.S. Bank Cash+ (2026 Category Refresh)

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

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.