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

Several popular cards feature bonus categories that rotate every quarter. Here are their rewards calendars.
Gregory KarpAug 31, 2021

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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 2021

Q1 (Jan. 1–March 31)

• Grocery stores*. • CVS. • Walgreens.

*The grocery stores category includes Walmart Grocery Pickup & Delivery, but not grocery purchases inside Walmart or at other superstores such as Target or wholesale clubs.

Q2 (April 1–June 30)

• Gas stations. • Wholesale clubs. • Select streaming services.

Q3 (July 1–Sept. 30)

• Restaurants. • PayPal.

Q4 (Oct. 1–Dec. 31)

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

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 2021

Q1 (Jan. 1-March 31)

• Wholesale clubs. • Select streaming services. • Internet, cable and phone services.

Q2 (April 1-June 30)

• Gas stations. • Home improvement stores.

Q3 (July 1–Sept. 30)

• Grocery stores. • Select streaming services.

Q4 (Oct. 1–Dec. 31)

• Walmart. • PayPal.

Current Citi Dividend bonus categories

Citi® Dividend Card bonus rewards categories for 2021

Q1 (Jan. 1 - March 31)

• Amazon. • Select streaming services.

Q2 (April 1 - June 30)

• Supermarkets. • Drugstores.

Q3 (July 1 – Sept. 30)

• Gas stations. • Home improvement stores.

Q4 (Oct. 1 – Dec. 31)

• Restaurants. • Best Buy.

Categories from previous years

2020 credit card bonus categories

DISCOVER CARDS 2020 BONUS CATEGORIES

  • Q1: Grocery stores; CVS and Walgreens

  • Q2: Gas stations; Uber and Lyft; wholesale clubs; Home Depot (June only)

  • Q3: Restaurants; PayPal

  • Q4: Amazon.com; Target.com; Walmart.com; Best Buy (Nov. 25 to Dec. 31 only)

CHASE 2020 BONUS CATEGORIES

  • Q1: Gas stations; select streaming services; internet, cable and phone services

  • Q2: Grocery stores; gym memberships and fitness clubs; select streaming services

  • Q3: Amazon.com and Whole Foods Market

  • Q4: Walmart; PayPal

Citi® Dividend Card 2020 BONUS CATEGORIES

  • Q1: Fitness clubs; supermarkets

  • Q2: Drugstores; Amazon.com

  • Q3: Home improvement stores; streaming services

  • Q4: Best Buy; online purchases from warehouse clubs

ABOC CARDS 2020 BONUS CATEGORIES

  • Q1: Recurring payments (including utilities, insurance, phone/cable/internet, streaming, subscription services)

  • Q2: Dining; groceries; gas, rideshare and transit

  • Q3: Dining; entertainment; travel (airfare, cruises, car rentals, hotels, travel agencies); gas, rideshare and transit

  • Q4: Holiday shopping (including superstores, department stores, electronics stores, Costco.com and Amazon.com)

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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