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Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. SHARE: South_agency/Getty Images September 15, 2022 Checkmark Bankrate logo How is this page expert verified? At Bankrate, we take the accuracy of our content seriously. "Expert verified" means that our Financial Review Board thoroughly evaluated the article for accuracy and clarity. The Review Board comprises a panel of financial experts whose objective is to ensure that our content is always objective and balanced. Their reviews hold us accountable for publishing high-quality and trustworthy content. Ana Staples is a reporter for Bankrate and an expert on all things credit basics and personal finance for the younger generation. Liz Bingler is an Associate Editor for CreditCards.com and Bankrate, where she focuses on product news and reviews. As an editor, her goal is to produce content that will help people to make informed financial decisions. Claire Dickey is a product editor for Bankrate, and . Before joining Bankrate, Claire worked as a copywriter for brands within the telecommunications industry as well as a hybrid marketing and content writer. Bankrate logo The Bankrate promise
At Bankrate we strive to help you make smarter financial decisions. While we adhere to strict editorial integrity, this post may contain references to products from our partners. Here's an explanation for how we make money. The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired. Terms apply to the offers listed on this page. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. Bankrate logo The Bankrate promise
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You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life’s financial journey. Bankrate follows a strict , so you can trust that our content is honest and accurate. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. The content created by our editorial staff is objective, factual, and not influenced by our advertisers. We’re transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money. Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and, services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range can also impact how and where products appear on this site. While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service. credit cards reward you on purchases you make by putting some money back into your account, yet they all reward you differently. Some will provide you with on everything you buy, and others will offer higher rewards on certain purchases. There’s also the third group of cash back credit cards: cards with . These cards offer a higher cash back rate (typically 5 percent) in categories that rotate on a quarterly basis. Below, we’ll take a look at whether or not three major issuers — Chase, Discover and Citi — offer cash back credit cards with bonus categories. Read on for the full breakdown of the current bonus categories on these cards. Chase 2022 rotating categories
The only Chase credit card (currently available for application) with rotating bonus categories is the . The card offers 5 percent cash back on activated bonus category purchases each quarter (up to $1,500 in purchases, then 1 percent), 5 percent back on Chase Ultimate Rewards travel purchases, 5 percent back on Lyft rides (through March 2025), 3 percent back on dining and drugstore purchases and 1 percent back on all other purchases. Note, the issuer announces one category at a time. Here’s what the look like compared to its 2021 offerings: Quarter Chase 2021 categories Chase 2022 categories Q1: January to March Wholesale clubs Internet, cable and phone services Select streaming services Grocery stores (excluding Walmart and Target) eBay Q2: April to June Gas stations Home improvement stores Amazon.com Select streaming services Q3: July to September Grocery stores (excluding Walmart and Target) Select streaming services Gas stations Car rentals Select entertainment Music theatres Q4: October to December Walmart purchases PayPal purchases Walmart purchases PayPal purchases Discover 2022 rotating categories
The , and offer 5 percent cash back (after activation) on up to $1,500 in rotating category purchases each quarter, then 1 percent back, plus 1 percent on all other purchases. All three cards also include Discover’s first-year Cashback Match welcome offer. For example, if you earn $300 in cash back during your first 12 months of card ownership, Discover will award you an additional $300. You can activate the next quarter’s categories at any time during the current quarter. Enrollment for each quarter closes on the last day of that quarter. Unlike Chase, Discover releases its categories for all four quarters at the same time, a month or so before the new year starts. Here’s a look at the , along with the previous year’s bonus categories for comparison: Quarter Discover 2021 categories Discover 2022 categories Q1: January to March Grocery stores (excluding Walmart, superstores and wholesale clubs) CVS Walgreens Grocery stores (excluding Walmart and Target) Fitness clubs Gym memberships Q2: April to June Gas stations Wholesale clubs Select streaming services Gas stations Target Q3: July to September Restaurants PayPal Restaurants PayPal Q4: October to December Amazon.com Walmart.com Target.com Amazon.com Digital wallets Citi 2022 rotating categories
Citi no longer offers cash back cards with rotating categories on a quarterly basis. Previously, it offered the Citi Dividend Card*, which has since been discontinued. Currently, the card most similar to the Citi Dividend Card is the . The Custom Cash offers 5 percent cash back in your top spending category each billing cycle (on up to $500 each billing cycle, then 1 percent), plus 1 percent on all other purchases. This means you could earn $25 back per billing cycle, $75 per quarter and $300 per year. Categories that qualify for 5 percent back include: Restaurants Gas stations Grocery stores Select travel and transit Select streaming services Drugstores Home improvement stores Fitness clubs Live entertainment The bottom line
So, should you get a cash back card with rotating categories? If you’re willing to put in the work, such as enrolling in bonus categories and making sure you use the card for the right purchases, this type of credit card can yield lucrative rewards. Plus, the rotating category cash back cards currently available don’t charge annual fees, so there’s no pressure for you to spend enough to justify the card’s cost. Before you make the call to apply, consider reading through our list of the . You just might find another option that better suits your spending style and needs. The information about the Citi Dividend Card has been collected independently by Bankrate.com. The card details have not been reviewed or approved by the card issuer. SHARE: Ana Staples is a reporter for Bankrate and an expert on all things credit basics and personal finance for the younger generation. Claire Dickey is a product editor for Bankrate, and . Before joining Bankrate, Claire worked as a copywriter for brands within the telecommunications industry as well as a hybrid marketing and content writer. Related Articles