Cash back credit cards with bonus categories will either use the same categories all year, or
offer rotating categories.
Some cards offer bonus spending areas that don't change and others
offer rotating categories.
A couple of cards
offer rotating categories of 5 % back.
Some of the best cash back cards
offer rotating categories, which means the percentages may change each month or quarterly, for example, for specific categories.
Travel rewards cards won't
offer rotating categories; the rewards will be the same year round.
Not exact matches
In recent years, it's become popular to
offer a higher percentage on
categories that
rotate each quarter.
The Discover it ® for Students
offers a competitive 5 % cash back on
rotating categories when you sign up (capped at $ 1,500 in spending each quarter) which, if used even somewhat frequently, will provide fantastic rewards to any student trying to stretch their dollar further.
If you're looking for a cash back card that lets you maximize your earnings, you might prefer the Chase Freedom ® card because it
offers 5 % cash back (up to $ 1,500) in
rotating categories each quarter you activate, plus an unlimited 1 % on all other purchases.
For 5 % Bonus
Categories: Discover It is another card that offers up to 5 % cash back in rotating c
Categories: Discover It is another card that
offers up to 5 % cash back in
rotating categoriescategories.
The Discover it ® - 18 Month Balance Transfer
Offer combines a lengthy 0 % period on balance transfers with 5 % cash - back rewards on
rotating bonus
categories (on up to $ 1,500 in spending per quarter) and 1 % back on all other spending.
Other cards may
offer higher percentages but they may also have
rotating categories you need to track and opt into.
The Chase Freedom card
offers 5 % bonus cash back on purchases from
categories that
rotate every quarter like gas, grocery stores, and restaurants.
This card
offers 5 % cash back on
rotating bonus
categories, which in recent years have included gas stations, grocery stores, restaurants and wholesale clubs.
For items that aren't in any of your
rotating categories, pull out the card with the highest amount of regular cash back, or that
offers a tiered program you can rely on.
CitiCard
offers as much 5 % cash back in
categories that
rotate throughout the year.
This card has no
rotating categories and instead
offers a simple fixed rewards rate on all purchases — 1.5 %.
Bottom Line: We highly recommend the Discover it ® — 18 Month Balance Transfer
Offer for anyone who wants a good cash back card and doesn't mind keeping track of the
rotating categories.
If you recall, the «it» card
offers up a nice 5 % cash back on up to $ 1,500 on
categories that
rotate every quarter.
The chief differentiating factor between these two
offers is their
rotating category calendars.
With all the benefits of the Freedom card but with set - it - and - forget - it cash back on every purchase — instead of
rotating categories, the Freedom Unlimited
offers 1.5 % back.
The card
offers a great five percent return on
categories that
rotate quarterly, and one percent back on all other purchases.
For long term saving, the Chase Freedom ®
offers more value through its cash back structure — 5 % returns on
rotating categories, and 1 % back on everything else.
There are several cash back credit cards that also
offer 5 % cash back on
rotating spending
categories and typically reward holiday shopping as the 4th quarter bonus.
You can find other cards that
offer higher rewards rates but you'll usually have to watch for
rotating categories (that usually have caps on the bonus reward) or you'll have to pay an annual fee to offset higher rewards rates.
Instead of having
rotating categories that you have sign up for each quarter to get 5 % cash back on a few of your purchases (everything else is usually 1 %), Quicksilver
offers you 1.5 % cash back all the time.
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.
Even when the introductory period is over, you'll still be left with a great cash back credit card that
offers 5 % cash back after you sign up on certain purchase
categories that
rotate quarterly.
You can find several
rotating category cards that
offer more cash back, but only on specific purchases.
That's because it
offers 5.0 percent back in
rotating categories.
This card
offers unlimited 1.5 % cash back on net retail purchases, with no
rotating categories or rewards earning limits.
As a top tier cash back card, Chase Freedom Unlimited
offers a solid 1.5 % back on all purchases without the need to worry about
rotating categories or keep track of different rates.
The Discover it ® for Students
offers a competitive 5 % cash back on
rotating categories when you sign up (capped at $ 1,500 in spending each quarter) which, if used even somewhat frequently, will provide fantastic rewards to any student trying to stretch their dollar further.
The Chase Freedom ® card is an example of a gas rewards credit card that
offers ample cash back on gas (5 % as part of
rotating quarterly
categories), along with cash back on all other types of purchases.
The Discover it ® for Students has quarterly
rotating categories that often include travel - related expenses, like gas and dining, as well as
offering unlimited 1 % cash back on everything else.
The Chase Freedom ® can
offer you 5 % cash back on
rotating categories (on up to $ 1,500 in purchases, quarterly when you activate).
Chase, Discover and U.S. Bank are the only issuers that
offer rotating -
category cards.
The main difference is that this card
offers 2 % without
rotating categories.
But with Freedom, the
rotating bonus
categories offer 5 % back when you make a purchase in that
category (keep in mind there's a $ 1,500 per quarter limit and requires free activation).
The card
offers cardholders the opportunity to earn 5 % bonus cash back on a variety of
rotating categories (up to the quarterly maximum).
Maximizing cash back: Chase Freedom
offers 5 % cash back on up to $ 1,500 on purchases in
rotating bonus
categories and 1 % on everything else.
That's not common today, but a wide variety of great cash back credit cards still exist, including some
offering up to 2 % unlimited cash back on everything and 5 % back in
rotating quarterly
categories.
This card
offers 5.0 percent cashback
categories that
rotate every quarter.
It has no annual fee and
offers the same 5 %
rotating category perks as the consumer cards.
The card
offers 5 % back on a set of
rotating categories each quarter.
This card
offers 5 % cash back on the first $ 1,500 in purchases made in special bonus
categories that
rotate each quarter.
Some credit card rewards programs
offer extra cash back on
categories that
rotate every quarter.
Chase, Discover and U.S. Bank all
offer these
rotating -
category cards.
If you like cash back rewards: There are cards that
offer 5 % cash back in quarterly
rotating categories.
Capital One Quicksilver
offers unlimited 1.5 % cash back with no
rotating bonus
categories or annual fees.
For 5 % Bonus
Categories: Discover It is another card that offers up to 5 % cash back in rotating c
Categories: Discover It is another card that
offers up to 5 % cash back in
rotating categoriescategories.