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Current Credit Card Bonus Categories: Discover, Chase Freedom

Cash Back Credit Cards, Credit Cards, Rewards Credit Cards
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Cards with 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.

Current bonus categories on Discover cards

Discover bonus categories for late 2017 and 2018
Q4 2017 (Oct. 1 – Dec. 31) and Target
Q1 2018 (Jan. 1 – March 31)Gas stations and wholesale clubs
Q2 2018 (April 1 – June 30)Grocery stores
Q3 2018 (July 1 – Sept. 30)Restaurants
Q4 2018 (Oct. 1 – Dec. 31) and wholesale clubs

» MORE: NerdWallet’s best Discover credit cards

Current Chase Freedom® bonus categories

Chase Freedom® bonus rewards categories for 2017 and early 2018
Q3 2017 (July 1 – Sept. 30)Restaurants and movie theaters
Q4 2017 (Oct. 1 – Dec. 31)Walmart and department stores
Q1 2018 (Jan. 1 - March 31)• Gas stations,
• Internet, cable and phone service
• Purchases via Chase Pay, Apple Pay, Android Pay and Samsung Pay
Q2 2018 (April 1 - June 30)• Grocery stores
• PayPal, for online, mobile or in-app purchases
• Chase Pay, for online, mobile or in-app purchases

» MORE: NerdWallet’s best Chase credit cards

Updated March 13, 2018