You can get bigger rewards when you spend on items in
specific rotating categories which yield a higher bonus percentage rate but come with a limit every quarter.
Taking into account your typical spending habits, you may find that
a specific rotating category card is best for you.
Pro tip: If you shop for a cause, make sure to use a rewards card that will give you a cash back bonus for shopping at grocery stores, or at a retailer included in
a specific rotating category.
Taking into account your typical spending habits, you may find that
a specific rotating category card is best for you.
Not exact matches
We thought it unreasonable to factor in the rate of
rotating categories into the average, as few consumers will be able to fit their schedule to spend within those periods on those
specific items.
You'll not only be earning cash back on all of your purchases, but
rotating quarterly
categories earn 5 percent cash back at
specific merchants, such as restaurants, grocery stores, gas stations and warehouse clubs.
You can find several
rotating category cards that offer more cash back, but only on
specific purchases.
Freedom gives you five points per dollar spent in quarterly
rotating categories, such as gas, hotels and
specific retailers, and the Freedom Unlimited card gives you 1.5 points for all purchases.
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.
Try experimenting with special displays and
rotate the products featured or place one or two items in a
specific category on sale at a time, and
rotate which items get the discount.
The Discover card does potentially offer an even higher return, but only in
specific,
rotating categories.
There are fixed - rate cards, cards with
rotating categories and cards that offer bonuses for
specific types of purchases.
In addition to having no annual fee, these cards offer higher cash back rewards in
specific categories — up to a limit — with
categories rotating every quarter.
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 standard Freedom card gives you a whopping five points per dollar spent on quarterly
rotating categories, which may include restaurants, gas, hotels and
specific retailers.
The Chase Freedom ® Card offers
rotating bonus cash back
categories allowing you to earn up to 5 % cash back on purchases made in
specific categories each quarter.
While some cards offer extra bonuses on
specific categories year - round, others increase your cash back in
rotating categories — which change quarterly — if you register for them online each quarter.
You can find several
rotating category cards that offer more cash back, but only on
specific purchases.
One of the best advantages of this card is there are no
specific purchase
categories and you don't have to worry about signing up for
rotating quarterly
categories in order to earn the most miles on your purchases.
Credit Card Tune - Up considers all the different configurations of credit card rewards — including
rotating categories offering higher percentages of rewards each quarter or
category specific spending bonuses for the life of the card — to ensure you're making the most of your plastic.
With this straightforward rewards card, you won't have to bother keeping track of
rotating bonus
categories or
specific rewards - funded purchases.
The Chase Freedom and Discover It cards both offer
rotating bonus
categories each quarter; you are required to sign up for those
specific categories each time to earn the extra cash back.