Current Credit Card Bonus Categories: Discover, Chase Freedom, Citi Dividend, ABOC

Several popular cards feature bonus categories that rotate every quarter. Here are their rewards calendars.

NerdWalletMay 26, 2020

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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.

  • Rewards cards from ABOC, the Amalgamated Bank of Chicago, added a similar structure in 2019. They earn 5 points per dollar on up to $1,500 in combined spending per quarter in rotating bonus categories. All other spending earns 1 point per dollar. You don't have to activate the categories each quarter; you just have to enroll once at ABOCRewards.com.

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 bonus categories on Discover cards

Discover bonus rewards categories for 2020

Q1 (Jan. 1 – March 31)

• Grocery stores. • CVS. • Walgreens.

Q2 (April 1 – June 30)

• Gas stations. • Uber and Lyft. • Wholesale clubs. • June only: Home Depot

Q3 (July 1 – Sept. 30)

• Restaurants. • PayPal.

Q4 (Oct. 1 – Dec. 31)

• Amazon.com. • Target.com. • Walmart.com.

Current Chase Freedom® bonus categories

Chase Freedom® bonus rewards categories for 2020

Q1 (Jan. 1 - March 31)

• Gas stations. • Select streaming services. • Internet, cable and phone services.

Q2 (April 1 - June 30)

• Grocery stores. • Gym memberships and fitness clubs. • Select streaming services.

Q3 (July 1 – Sept. 30)

• Amazon.com. • Whole Foods Market.

Q4 (Oct. 1 – Dec. 31)

TBD (In 2019, department stores, PayPal and Chase Pay.).

Current Citi Dividend Card bonus categories

Citi® Dividend Card bonus rewards categories for 2020

Q1 (Jan. 1 - March 31)

• Fitness clubs. • Supermarkets.

Q2 (April 1 - June 30)

• Drugstores. • Amazon.com.

Q3 (July 1 – Sept. 30)

TBD (In 2019: Airlines and car rentals.)

Q4 (Oct. 1 – Dec. 31)

TBD (In 2019: Best Buy and department stores.)

Current bonus categories on ABOC cards

ABOC bonus rewards categories for 2020

Q1 (Jan. 1 – March 31)

• Recurring payments (including utilities, cell phone plans, cable, insurance payments, streaming services and subscription services).

Q2 (April 1 – June 30)

• Dining. • Groceries. • Transportation expenses: Rideshare services, gas and mass transit.

Q3 (July 1 – Sept. 30)

• Dining. • Entertainment (including movies and theme parks). • Travel purchases: Airfare, cruises, car rentals, hotels, timeshares and travel agency services. • Transportation expenses: Gas, tolls, rideshare services and mass transit.

Q4 (Oct. 1 – Dec. 31)

• Holiday shopping (including superstores, department stores, electronics stores, Costco.com and Amazon.com).

Categories from previous years

2019 credit card bonus categories

DISCOVER CARDS 2019 BONUS CATEGORIES

  • Q1: Grocery stores

  • Q2: Gas stations; Uber and Lyft

  • Q3: Restaurants; PayPal

  • Q4: Amazon.com; Target (in-store and online); Walmart.com

Chase Freedom® 2019 BONUS CATEGORIES

  • Q1: Gas stations; tolls; drugstores

  • Q2: Home improvement stores; grocery stores

  • Q3: Gas stations; select streaming services

  • Q4: Department stores; PayPal and Chase Pay

Citi® Dividend Card 2019 BONUS CATEGORIES

  • Q1: Gas stations; Home Depot

  • Q2: Drugstores; fitness clubs

  • Q3: Airlines and car rentals

  • Q4: Best Buy and department stores

ABOC CARDS 2019 BONUS CATEGORIES

  • Q1: Dining; groceries; pharmacy

  • Q2: Home improvement (including warehouse and wholesale clubs)

  • Q3: Travel purchases (airfare, cruises, car rentals, hotels, travel agencies)

  • Q4: Automotive purchases (including services, repairs and parts)

2018 credit card bonus categories

DISCOVER CARDS 2018 BONUS CATEGORIES

  • Q1: Gas stations and wholesale clubs

  • Q2: Grocery stores

  • Q3: Restaurants

  • Q4: Amazon.com and wholesale clubs

Chase Freedom® 2018 BONUS CATEGORIES

  • Q1: Gas stations; internet, cable and phone service; and purchases via Chase Pay, Apple Pay, Android Pay and Samsung Pay.

  • Q2: Grocery stores, PayPal, Chase Pay

  • Q3: Gas stations, Lyft, Walgreens

  • Q4: Department stores, wholesale clubs, Chase Pay

Citi® Dividend Card 2018 BONUS CATEGORIES

  • Q1: Gas stations, car rentals.

  • Q2: Home Depot, home furniture stores

  • Q3: Airlines, movies

  • Q4: Best Buy, department stores

2017 credit card bonus categories

Discover cards 2017 bonus categories

  • Q1: Gas stations, ground transportation, wholesale clubs

  • Q2: Home improvement stores, wholesale clubs

  • Q3: Restaurants

  • Q4: Amazon.com, Target

Chase Freedom® 2017 bonus categories

  • Q1: Gas stations, local commuter transportation

  • Q2: Grocery stores, drugstores

  • Q3: Restaurants, movie theaters

  • Q4: Walmart, department stores

CITI® DIVIDEND CARD 2017 BONUS CATEGORIES

  • Q1: Home Depot, home furniture stores

  • Q2: Drugstores, fitness clubs

  • Q3: Airlines, Hilton hotels

  • Q4: Best Buy, department stores

2016 credit card bonus categories

Discover cards 2016 bonus categories

  • Q1: Gas, ground transportation

  • Q2: Restaurants, movies

  • Q3: Home improvement stores, Amazon.com

  • Q4: Amazon.com, department stores, Sam's Club

Chase Freedom® 2016 bonus categories

  • Q1: Gas stations, local commuter transportation

  • Q2: Grocery stores, wholesale clubs

  • Q3: Restaurants, wholesale clubs

  • Q4: Department stores, wholesale clubs

CITI® DIVIDEND CARD 2016 BONUS CATEGORIES

  • Q1: Home Depot, home furniture stores

  • Q2: Drugstores, fitness clubs

  • Q3: Car rentals, Hilton hotels

  • Q4: Best Buy, department stores

2015 credit card bonus categories

Discover cards 2015 bonus categories

  • Q1: Gas, ground transportation

  • Q2: Restaurants, movies

  • Q3: Home improvement stores, department stores, Amazon.com

  • Q4: Amazon.com, department stores, clothing stores

Chase Freedom® 2015 bonus categories

  • Q1: Grocery stores, movie theaters, Starbucks

  • Q2: Restaurants, Bed Bath & Beyond, H&M, Overstock.com

  • Q3: Gas stations, Kohl's

  • Q4: Amazon.com, Audible.com, Diapers.com, Zappos.com (Note: In a special promotion offered in 2015 only, the $1,500 quarterly limit on spending eligible for bonus rewards was reset on Nov. 23, meaning that Chase Freedom® cardholders got a "fresh" $1,500 to spend for bonus cash back. Further, from Nov. 23 to Dec. 31 of that year, Amazon.com spending earned 10% cash back, rather than 5%.) 

CITI® DIVIDEND CARD 2015 BONUS CATEGORIES

  • Q1: Macy's, home furniture stores

  • Q2: Home Depot, home and garden stores

  • Q3: Airlines, Hilton hotels

  • Q4: Best Buy, department stores

2014 credit card bonus categories

Discover cards 2014 bonus categories

  • Q1: Restaurants, movies

  • Q2: Home improvement stores, furniture stores, Bed Bath & Beyond

  • Q3: Gas stations

  • Q4: Online shopping, department stores

Chase Freedom® 2014 bonus categories 

  • Q1: Grocery stores, movie theaters, Starbucks

  • Q2: Restaurants, Lowe's

  • Q3: Gas stations, Kohl's

  • Q4: Amazon.com, Zappos.com, select department stores

CITI® DIVIDEND CARD 2014 BONUS CATEGORIES

  • Q1: Macy's, drugstores, fitness clubs

  • Q2: Home Depot, home furniture stores, home and garden

  • Q3: Car rentals, Hilton hotels, theme parks, movie theaters

  • Q4: Best Buy, department stores, toy stores

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