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Cards with rotating bonus categories come with some of the highest credit card rewards rates available.
Both Chase and Discover offer credit cards with 5% cash back on up to $1,500 in spending per quarter in bonus categories that change each quarter and 1% back on all other purchases. To get the bonus cash back, you have to opt in, or "activate," the category each quarter.
A Citi credit card with similar terms — the Citi Dividend Card — is no longer available to new applicants. It pays 5% in rotating bonus categories that you activate and 1% on other purchases. There's no quarterly spending limit, but the total cash amount of cash back you can earn in a year is capped at $300.
Previous years are listed below the current categories, so you can see what's been offered in the past ... and what might be again?
Current Discover bonus categories
Cards that earn bonus rewards in these categories include the Discover it® Cash Back and the Discover it® Student Cash Back.
Discover bonus rewards categories for 2022 and 2023
Q1 (Jan. 1–March 31)
• Grocery stores*. • Fitness clubs and gym memberships.
• Grocery stores*. • Drugstores. • Select streaming services.
Q2 (April 1–June 30)
• Gas stations. • Target.
Q3 (July 1–Sept. 30)
• Restaurants. • PayPal.
Q4 (Oct. 1–Dec. 31)
• Amazon.com. • Digital wallets.
*The grocery stores category does not include grocery purchases at Walmart or Target or at other superstores or wholesale clubs.
Current Chase bonus categories
These bonus categories apply to the Chase Freedom® and the Chase Freedom Flex℠ (introduced in September 2020).
Chase Freedom® and Chase Freedom Flex℠ bonus rewards categories for 2022
Q1 (Jan. 1-March 31)
• Grocery stores. • eBay.
Q2 (April 1-June 30)
• Amazon.com. • Select streaming services.
Q3 (July 1-Sept. 30)
• Gas stations. • Car rentals. • Movie theaters. • Select live entertainment.
Q4 (Oct. 1-Dec. 31)
• PayPal. • Walmart.
Current Citi Dividend bonus categories
Citi Dividend® Card bonus rewards categories for 2022
Q1 (Jan. 1 - March 31)
• Amazon. • Select streaming services.
Q2 (April 1 - June 30)
• Grocery stores. • Drugstores.
Q3 (July 1 – Sept. 30)
• Gas stations. • Home improvement stores.
Q4 (Oct. 1 – Dec. 31)
• Restaurants. • Select travel.
Categories from previous years
2021 credit card bonus categories
2020 credit card bonus categories
2019 credit card bonus categories
2018 credit card bonus categories
2017 credit card bonus categories
2016 credit card bonus categories
2015 credit card bonus categories
2014 credit card bonus categories