It can be quite the treasure hunt to find out how you can enroll in the 5 % cash back
rotating categories program.
Not exact matches
You must sign up for
rotating bonus
categories in most rewards
programs.
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.
As they moved to the Discover - like
rotating category bonus rewards, they automatically moved existing customers in to the Chase 10 and 10
program.
This means that you don't have to worry about enrolling to any rewards
programs or
categories or need to keep track of
rotating categories in order to maximize rewards.
This new
program, with the
rotating categories and generous online bonuses, make Discover's it ® card one of the most generous when it comes to cash back.
But there's also a 2 % cash back tier if you enroll in their rewards
program for popular
rotating categories.
In addition, the card also has a
rotating rewards
program that will let you earn 3 % cash back for every dollar in selected
categories, such as gas, home improvement and department stores.
All in all, the entire
rotating categories cash back
program system is meant to be a hassle and out - of - mind to the point that card customers become lazy or forgetful to take advantage of the cash back.
Since the new credit card rules went into effect, Chase and Citi revamped their cash back
programs to use the
rotating categories format that was first adopted by the Discover card.
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.
Some credit card rewards
programs offer extra cash back on
categories that
rotate every quarter.
If you don't want the hassle of
rotating categories: The Discover it Chrome has a more straightforward cash back
program.
Another caution is to not let the rewards
programs (including those tempting
rotating categories) push you into spending decisions.
What's more, the card includes one of the best cash back rewards
programs we know of where cardholders earn 5 % cash back (capped at $ 1,500 of spending) in
rotating categories you activate, plus Discover matches all the cash back earned in the first year.
Both cards have a rewards
program that is consistent throughout the year (there are no
rotating categories to worry about).
The rewards
program is consistent, so you don't have to think about
rotating reward
categories.
The Capital One ® Quicksilver ® Cash Rewards Credit Card may be a good choice for people who want a cash back rewards
program with no
rotating categories or sign ups needed to earn cash rewards and no annual fee.
Upsides: The Freedom Unlimited card offers a straight - forward rewards
program that allows cardholders to earn 1.5 percent on every purchase they make — with no earning caps or
rotating categories.
This would reduce the value of the Ultimate Rewards
program overall because these cards have some of the best earning rates of all the UR cards with regular Freedom's
rotating 5x
categories and Freedom Unlimited's uncapped 1.5 x on all spending.
Both cards have a rewards
program that is consistent throughout the year (there are no
rotating categories to worry about).
Most cash back
programs come in three flavors: a single flat - rate cash back amount for all purchases, a variable cash back rate based on specific set
categories, and a bonus cash back rate based on
rotating categories that change each quarter.
The TJ Maxx Rewards
program is comparable to other rewards credit cards such as Discover it ® and Chase Freedom ®, in which TJ Maxx and other retailers are included periodically in quarterly
rotating categories that earn 5 % cash back for that quarter.
Rotating -
category cards are best for people whose spending tends to vary throughout the year, particularly because many of these
programs will typically match rewards to the season.
The credit card's straightforward earnings scheme and uncomplicated redemption
program are particularly attractive if you hate the idea of tracking
rotating bonus
categories or logging on to change your earning preferences every three months.
If you value simplicity and you don't want to worry about calculating or redeeming points, keeping track of
rotating bonus rewards
categories, or other confusing features, Capital One ® QuicksilverOne ® Cash Rewards straightforward rewards
program is a solid competitor.
What's more, the card includes one of the best cash back rewards
programs we know of where cardholders earn 5 % cash back (capped at $ 1,500 of spending) in
rotating categories you activate, plus Discover matches all the cash back earned in the first year.
This no - annual - fee card lets you redeem your rewards for cash whenever you want, in any amount, and the cash - back percentage on quarterly
rotating categories is one of the most generous rewards
programs in the industry.
And another popular type of cash back
program offers a large cash back rate in quarterly
rotating categories, with a small unlimited flat rate on everything else.
Reward cards that have a rewards
program where they have
rotating categories that will pay a higher percentage of cash back on rewards every quarter.
Plus, the rewards
program is simple and easy to earn and redeem, no
rotating categories or specialized channels for which to use those rewards, which never expire.