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 three major credit cards that offer 5% cash back: the Discover it Card, the Chase Freedom® Visa, and the Citi® Dividend Platinum Select® 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 online from October 1 through December 31, 2013.

Discover it Card 5% Categories October to December

For more details, check out the Discover it website.

Chase Freedom 5% Categories

From April 1 to June 30, 2013, Chase offers the bonus cash back on up to $1,500 spent on the following categories:

  • Restaurants
  • Movie theaters
  • Lowe’s®

Chase Freedom Cash Back Calendar

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

Citi Dividend Platinum Select 5% Categories

Citi’s offer is unique in that the increased cash back applies in part to specific retailers, not just categories:

  • Earn $100 cash back after $500 in purchases within the first 3 months of account opening
  • Earn 5% cash back every quarter in must-have categories. Right now, on purchases at The Home Depot®, home furnishing and home and garden stores from 4/1/14 through 6/30/14.
  • Enrollment each quarter is quick and easy
  • Earn 1% cash back on all other purchases.
  • The total cash back earned with the card is $300 per calendar year, excluding the $100 cash back with this offer. See Citi Dividend Card Reward Program Information.
  • 0% Intro APR on Purchases and Balance Transfers for 12 months. After that, the APR will be 12.99%-22.99% variable based on your creditworthiness*
  • No Annual Fee*
  • Click Apply Now to see pricing details

This is a great offer for back-to-school shopping. And remember that you can earn up to $300 cash back per year on these rotating categories. For more details, check out the Citi® Dividend Platinum Select® Visa® Card website.

* See the online credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the “Apply Now” button, you can review the credit card terms and conditions on the issuer’s website. Discover is a paid advertiser of this site.

Published or Updated: October 14, 2013
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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