This card allows cardholders to collect a large cashback
bonus on a certain category of products that rotates quarterly.
As mentioned — though the Discover it card offers a large 5 percent
bonus on certain categories of spending, when we look at the percentage that the average consumer spends in those categories averaged out over four quarters, the overall rewards rate on the card is low.
Not exact matches
The cash - back cards generally pay back a percentage of the amount you have spent
on daily purchases, cash back
on specific
categories or
bonus amount for spending a specific amount within a
certain period.
Discover it ® for Students offers users 5 % back
on purchases that fall within
certain bonus categories that rotate throughout the year, up to a quarterly maximum when you sign up, and 1 % back
on everything else.
Tiered and
bonus -
category cash - back credit cards offer higher rates
on certain purchases and 1 %
on everything else.
Like many cards, it offers a straightforward cash
bonus for spending
on the card as soon as you receive it, but it also has purchase
bonuses on the first $ 10,000 you spend in
certain categories.
If you want a card that gives you cash back
on every purchase you make and even more cash back
on certain bonus categories, the Blue Cash card from American Express might be a fit.
In addition to a sign
on cash back
bonus, there are several opportunities to earn more points per dollar spent
on purchases that fit into
certain categories.
Like many cards, it offers a straightforward cash
bonus for spending
on the card as soon as you receive it, but it also has purchase
bonuses on the first $ 10,000 you spend in
certain categories.
Watch out for limits
on rewards card
category bonuses — If you're planning on spending a lot on a card in a certain category, make sure you know the limit to what you can earn so you can maximize your rewards... (See Category bonus
category bonuses — If you're planning
on spending a lot
on a card in a
certain category, make sure you know the limit to what you can earn so you can maximize your rewards... (See Category bonus
category, make sure you know the limit to what you can earn so you can maximize your rewards... (See
Category bonus
Category bonus limits)
I applied to keep the Ultimate Rewards Shuffle going, and the 50k UR and 5x in
certain categories were great
bonuses on top of the Shuffle.
This is huge since most cards only offer
bonus miles
on certain categories like travel or dining.
On the other hand, the Chase Ink Plus card offers an excellent 60,000 - point sign - up
bonus and 5x earning in
certain categories.
Because the Freedom earns 5X up to a
certain limit
on rotating
bonus categories, you need to think about how much you would spend
on any of these given
categories throughout the year in order to gauge which card would work best for you.
Typically, a rewards card will offer you 1 point per dollar (1X) spent and then «
bonus points» worth more than 1 point per dollar
on certain categories, such as:
These cards, too, often have
bonuses for spending
on certain categories.
Simply put, if the purchase is not going to earn me
bonus points in a
certain category and won't register as a foreign transaction, it goes
on this card.
There are a couple of ways to earn
bonus rates
on certain categories, however.
The most valuable
category of airline flight /
bonus promos includes all airline promotions that don't have a third party, like
bonuses for buying or gifting miles, flying in premium cabins and booking tickets
on certain routes.
Most programs reward you with a flat - rate percentage of your purchases as a statement credit, while others also offer
bonus cash back
on purchases in
certain categories.
In addition, there is a class of cards that rotate
bonus categories quarterly, such as Chase Freedom, which often provide big
bonuses for a quarter
on certain online purchases or
on Amazon.
Because the Discover it earns 5X up to a
certain limit
on rotating
bonus categories, you need to think about how much you would spend
on any of these given
bonus categories throughout the year in order to gauge which card would maximize your earnings.
However, if you utilize some of the
bonus categories to a
certain degree, then the answer to which card is better for you will likely depend
on your spending level.
This means you're really earning 2 percent back the first year with a whopping 10 percent back
on certain limited
category bonuses.
If you have the Chase Freedom ® or
certain Discover cards, such as the Discover it ® - Cashback Match ™, you can earn 5 % cash back
on up to $ 1,500 spent quarterly in rotating
bonus categories (1 % cash back
on everything else).
They can offer
bonuses for
certain types of purchases, or feature extra cash back
on categories of purchases that change every quarter.
Would you rather have limited
category bonuses that might maximize your rewards up to a
certain point, or just earn an easy and above - average 1.5 % cash back
on everything?
If you can't remember which card gives
bonuses on certain spending
categories, put a small sticky note
on the card that says «gas» or «restaurants,» for instance.
While the Chase Freedom ® normally offers 1 % cash back
on all purchases, every quarter there are
certain bonus categories for which you can earn 5 % cash back
on up to $ 1,500 spent in
bonus categories each quarter.
The majority of credit cards I discuss
on here offer you
bonus points / miles for spending in
certain categories, such as hotels, gas, groceries, entertainment, etc..