Agree - I refuse to mess with the rotating categories, except that I have to log on and tell US Bank that I want to keep the same categories as last quarter in order to keep earning 5% back on utilities, cell phone bills and internet. I keep waiting for them to drop utilities from the list of available categories. It seems crazy that they pay 5% cash back on utilities with no cap and no annual fee. US Bank has to be losing money on my Cash+ card, that’s for sure. I must get $300 in cash back a year easily.