You need to keep track of
the rotating categories if you want to use the card to its full potential.
Like many other cards, it has a 5 % limited cash back on
rotating categories if you remember to sign up every quarter.
Not exact matches
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.
Bonuses are relatively rare in the world of cash back cards, so
if you're looking to earn cash back and you don't want to have to worry about
rotating cash back
categories, take a look at the Chase Freedom Unlimited ® card.
If you shop at a wide variety of stores applying for a few
rotating category cards is a good idea.
If the Discover it ® — Cashback Match ™ was just a
rotating -
category cash back card, it wouldn't be so high up on our list.
You need to keep track of the
rotating categories throughout the year
if you hope to maximize your rewards.
By
rotating your exercises every 4 weeks, you can still include the «magic» exercises
if you can put them into one of the 4
categories.
It may be better than the Uber Visa Card
if you don't mind dealing with
rotating categories.
Therefore, the only thing you have to figure out
if you will benefit more from the
rotating 5 %
categories or a fixed 2 % back on gas and restaurant shopping.
Cash back is unlimited, and there are no
rotating spending
categories to keep track of so it's a great pick
if you prefer simplicity.
It indicates the percentage of cash back
if you were to spend consistently in the
rotating bonus
category over a year.
If you do not want to deal with the hassle of
rotating spending
categories, the F reedom Unlimited will automatically earn 1.5 % on all purchases.
On the other hand,
if you prefer a simper experience, without
rotating categories or the need to activate your rewards, the Barclays card is the better option.
If you recall, the «it» card offers up a nice 5 % cash back on up to $ 1,500 on
categories that
rotate every quarter.
You need to keep track of the
rotating categories throughout the year
if you hope to maximize your rewards.
If you're wondering what the best credit card for online shopping is, or which one yields serious cash back in
rotating categories, take a look at these two examples.
Figure out
if you are a big foodie, always going to new restaurants or buying groceries, or
if you like to max out your points on
rotating categories.
If you are considering a credit card with
rotating bonus spending
categories, compared to a fixed rate, you should try to choose one that allows you to earn the 5 % bonus.
That's less than the 5 % cash back the Chase Freedom ® card pays but it's appealing
if you don't want to keep track of
rotating categories, or the
categories don't tend to favor your typical spending.
But there's also a 2 % cash back tier
if you enroll in their rewards program for popular
rotating categories.
If you want a rewarding cash back credit card, there are other similar
rotating bonus
category cards like the Chase Freedom or the Discover it ® — Cashback Match ™ cards that are better because general earning power isn't constrained so much.
Therefore, be aware of your credit card's
category policies and
if yours
rotate.
If you spend a lot of money on restaurants and gas, it might be a better deal than the Discover it card because you'll be guaranteed to earn extra cash back rewards on those two things which you buy every month versus the
rotating slate of savings
categories that you would get 5 % cash back on with the Discover it card.
However,
if you enjoy spending freedom and often shop around for things included in the standard edition's
rotating categories, the Discover it ® for Students is a far better card.
If you are a low spender, some
rotating category cash back cards can get you 5 % back on your purchases at Saks, for up to $ 1,500 in spending.
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.
Essentially,
if you are not certain that you will keep up with
rotating categories, it is best to go with a card like the Blue Cash card.
Just imagine
if you purchased a $ 1,000 vacation a day too late on a card with
rotating categories?
If you're really serious about earning the most cash from your spending, you can get all of these
rotating category cards and leverage the fact they earn 5 % in different
categories.
If you like cash back rewards but hate the annoyance of keeping track of alternating or
rotating categories, the Quicksilver From Capital One credit card is tailor made for you.
That means,
if you're a new cardmember, you can receive an effective cash back rate of 2 % on all spending, and up to 10 % on
rotating categories (up to the $ 1,500 quarterly limit) during that first year.
It's a nice cashback bonus but you really only maximize the bonus
if you purchase whatever is in the
rotating category.
Blue Cash Everyday:
If you want hassle - free cash back with no
rotating rewards
categories and no enrollment required, this card from American Express, a CreditDonkey partner, has the same rewards
categories year - round.
But there's no signup bonus and no 5 % cash back on
rotating bonus
categories (which you may prefer it
if don't want to bother signing up for the
rotating categories each month).
If you're looking for ample cash back but don't want to keep track of
rotating spending
categories or bonus purchases, this card can be a good option.
In addition I use the Discover and Chase with their
rotating cash back
categories if useful.
We see the cash back rewards program as the main highlight
if your regular spending habits are in sync with the
rotating quarterly
categories, you can earn rewards with the higher 5 % cash back rate, up to the quarterly maximum each time you activate.
However,
if you want to maximize your return on spending, you'll probably want to get at least one card with bonus
categories that
rotate every quarter.
If you're serious about your rewards, think about getting a card that has
rotating bonus
categories and a second card that earns a fixed return, such as the Freedom Unlimited or Quicksilver.
If you don't want to deal with the hassle of
rotating bonus
categories, this card is great choice because every purchase earns a bonus.
If you don't want the hassle of
rotating categories: The Discover it Chrome has a more straightforward cash back program.
If you like cash back rewards: There are cards that offer 5 % cash back in quarterly
rotating categories.
It is hard to beat the 5 % cash back that Chase Freedom offers, but only
if you can spend enough in the
rotating categories.
If your spending lines up with the
rotating calendar and you manage to put at least 25 % of total purchases into bonus
categories you'll probably do better than you would through the REI Credit Card.
If you're interested in earning in the
rotating categories, and those
categories align with your spending habits the Discover it ® — Cashback Match ™ may well be worth the effort.
If you max out each
rotating category each quarter you could earn $ 300 cash back.
But
if you're huge on the
rotating category bonuses the Chase Freedom ® card offers, you may be better off signing up for it instead.
If you don't want to keep track of
rotating categories, the Discover it ® Miles is the clear winner since it offers 1.5 Miles for every dollar you spend during the first year and Discover will match that amount after 12 months.