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.
Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own.
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). |
» MORE: About the ABOC rewards program
Categories from previous years
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
