U.S. Bank Cash+ (2026 Category Refresh)
An in-the-news refresh of the U.S. Bank Cash+ choose-your-own-category card; updated 5% category lists and terms have been discussed but are not yet finalized. Confirm on the official site.
Why it ranks
- Anticipated fresh category options
- Likely still no annual fee
What holds it back
- Not yet finalized
- Category and cap details unconfirmed
- Subject to change before launch
Advertiser disclosure: we may be paid if you apply through our links. Ratings are editorial. Confirm today's terms on the issuer's site — offers change.
An in-the-news refresh of the U.S. Bank Cash+ choose-your-own-category card; updated 5% category lists and terms have been discussed but are not yet finalized. Confirm on the official site.
U.S. Bank Cash+ (2026 Category Refresh) at a glance
| Issuer | U.S. Bank |
| Card network | Visa |
| Annual fee | No annual fee |
| Welcome bonus | To be announced |
| Rewards rate | Expected to keep choose-your-own 5% categories with possible list and cap changes; specifics not yet confirmed |
| Intro APR | Expected 0% intro APR offer (terms TBD) |
| Regular APR | See terms |
| Foreign transaction fee | 3% |
| Credit needed | Good to Excellent (700+) |
| Best for | Cash+ fans watching for updated category options |
| Airport lounge access | No |
Rewards & benefits
- Category list changes rumored
- Customizable 5% structure expected to remain
- Quarterly enrollment likely still required
Eligibility & who it suits
- Good-to-excellent credit score
- Quarterly category selection expected
- Awaiting official details
How to apply
Check current rates on U.S. Bank’s official site →
This opens the issuer’s official application page in a new tab. We may earn a commission if you are approved — it never changes the terms you receive.
Rates, fees, welcome offers and benefits are provided for general information, can change at any time, and may not reflect current terms. Always confirm the latest details on the issuer’s official site before applying. This is not financial advice.
How it ranks against similar USA cards
| Rank | Card | Annual fee | Rewards | Welcome offer | Foreign fee | Who qualifies | Score |
|---|---|---|---|---|---|---|---|
| 1 | UU.S. BankCash+ 2026 Category RefreshNo annual fee · US U.S. Bank Cash+ (2026 Category Refresh)Cash+ fans watching for updated category options |
None | Expected to keep choose-your-own 5% categories with possible list and cap change… | To be announced | 3% | Good to Excellent (700+) | — |
| 2 | CChaseFreedom UnlimitedNo annual fee · US Chase Freedom UnlimitedEveryday spenders who want simple cash back and pair it with Chase points |
None | 5% travel via Chase, 3% dining & drugstores, 1.5% all other purchases | Extra cash back in the first year on bonus spend | 3% | Good (690+) | |
| 3 | AEAmerican ExpressBlue Cash Preferred$95/yr · US Blue Cash Preferred Card from American ExpressFamilies with high grocery and streaming spend |
$95/yr | 6% U.S. supermarkets (up to $6k/yr), 6% select U.S. streaming, 3% transit & U.S.… | Statement-credit welcome offer | 2.7% | Good to Excellent (700+) | |
| 4 | CChaseFreedom FlexNo annual fee · US Chase Freedom FlexPeople who can track and activate rotating 5% categories |
None | 5% rotating quarterly categories (activation required), 5% travel via Chase, 3%… | Cash bonus after the minimum spend | 3% | Good (690+) |
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