5% Credit Card Cash Back Rotating Categories Update

The highest cash back percentage you’ll find anywhere is five percent on select categories that change every three months. There are two major credit cards that offer 5% cash back: the Discover it Card and the Chase Freedom® Visa. These rotating categories are one of the reasons each of these cards made our list of the best cash back credit cards.

But there is a catch. You need to sign up for the 5% categories each quarter in order to be eligible for the increased payout. It only takes a few seconds to sign up online, but you don’t want to forget. With the start of a new quarter upon us, here are the current categories for July, August and September:

Discover it 5% Categories

You can get five percent back on up to $1,500 in purchases made in various categories that change quarterly. For October to December 2014, the 5% cashback bonus applies to online shopping and department store purchases.

Chase Freedom 5% Categories

For 2014, you can earn bonus cash back on up to $1,500 spent each quarter on the following categories:


  • Gas Stations
  • Movie theaters
  • Starbucks® stores*


  • Restaurants
  • Lowe’s® home improvement stores


  • Gas stations
  • Kohls®


  • Amazon.com
  • Zappos.com
  • Select department stores

As with the Discover card, you can earn this increased bonus on up to $1,500 in purchases.

Published or Updated: February 24, 2016
About Rob Berger

Rob founded the Dough Roller in 2007. A litigation attorney in the securities industry, he lives in Northern Virginia with his wife, their two teenagers, and the family mascot, a shih tzu named Sophie.


  1. John says:

    Now we’ll just have to see if Online Gap, Banana Republic, Old Navy, Gap Outlet and Banana Republic Factory Store count!

    • Rob Berger says:

      Good question. I assume the factory store does count, but haven’t actually tried it with a 5% card.

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