If you're looking to earn more than 1.5 percent back — and still avoid the hassle of
dealing with rotating categories — there are a few cards that offer just that.
Programs that offer 2 % on all purchases can put you about
even with the rotating categories, but you don't have to remember to register for your savings each quarter.
One great strategy for maximizing points is to use a card
with rotating categories only when it earns bonus points, and then use a fixed - rate card for all other purchases.
As is the case
with any rotating categories cash - back card, you have to be willing to use a bit of strategy if you want to realize the full potential rewards of this card.
With rotating categories ranging from grocery stores to gas stations to restaurants and entertainment — and a high rewards rate of 5 % — this card is very attractive for those whole like to plan their purchases ahead.
Who should use it: If you don't want the added hassle of keeping up
with rotating categories throughout the year, the Chrome card lets you earn a decent amount of cash back without complications.
The BankAmericard Cash Rewards ™ Credit Card is a tiered - rewards credit card meaning you won't need to keep up
with rotating categories in order to earn bonus cash, so it could be a better option if you aren't willing to strategize with your credit card spending.
If you keep up
with rotating categories well, the 5 percent cash back on up to $ 1,500 in combined purchases in bonus categories each quarter you activate with Chase Freedom ® is attractive.
From April to June 2015, restaurant spending (which includes Seamless & GrubHub) on 2 of the best cash back credit
cards with rotating categories will earn those cardholders the most money.
Cash - back cards fall into two subcategories: cards with a fixed cash - back rate and cards
with rotating categories.
For cards
with rotating categories, they may have a condition that the cash back bonus rate only applies to the first $ 1,500 (on all the categories combined).
So, if groceries aren't paying out 5 %
with your rotating category card, make the purchase with your set cash back card paying 3 % on groceries.
The Discover it student card is the only student credit card
with rotating categories.
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.
This card offers unlimited 1.5 % cash back on net retail purchases,
with no rotating categories or rewards earning limits.
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?
Cards
with rotating categories are more complicated and require more work from you.
There are two types of cash - back cards: those with a fixed cash - back rate and
those with rotating categories.
Cash - back cards fall into two subcategories: cards with a fixed cash - back rate and cards
with rotating categories.
A card
with rotating categories is often a great way to increase rewards for those whose purchasing aligns with the set categories.
Discover it ® - Cashback Match ™ is a typical cash back card
with rotating categories, which means that each quarter you get increased rewards in certain shopping categories.
There are no limits on cash back bonuses and no need to deal
with rotating categories or sign - ups to get your rewards either.
You should also add a card
with rotating categories that can earn 5 percent on certain purchases.
For most cards
with rotating categories, October through December focuses on presents, with extra points for everything from Amazon and wholesale clubs (Discover), to Walmart and department stores (Chase, 2017).
Unlike many credit cards
with rotating categories, using the Blue Cash Preferred card from American Express is remarkably easy.