Maximize Your Rewards: Quarterly 5% Cashback with Chase, Discover, U.S. Bank, Citi, and PayPal Cards
Maximize your rewards with 5% cashback categories from Chase Freedom, Discover it, U.S. Bank Cash+, Citi Custom Cash, and PayPal Debit Card. Start earning big!
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🔸 Freedom Flex®: best for up to 5% cashback on rotating quarterly bonus categories + 0% intro APR
🔸 Discover it®: our pick for flexible cashback + 0% intro APR for 15 months
🔸 U.S. Bank Cash+® Visa Signature®: best for regular Amazon and Whole Foods shoppers
🔸 Citi: best student travel card with 0% intro APR and a big sign-up bonus
🔸 Paypal: best student travel card with 0% intro APR and a big sign-up bonus
Both Chase and Discover offer exciting 5% cashback opportunities on rotating quarterly bonus categories, helping cardholders earn rewards on everyday purchases. This benefit allows you to earn 5% cashback on up to $1,500 in combined purchases across select categories that change every quarter. With careful planning, you can strategically use your Chase Freedom Flex®, Chase Freedom® (no longer accepting new applicants), or Discover it® card to maximize your cashback in categories that fit your spending habits. Be sure to activate your bonus each quarter to unlock these valuable benefits!
Each quarter, Chase and Discover introduce new categories, often aligning with seasonal needs and common spending habits. These categories could include grocery stores, gas stations, restaurants, streaming services, fitness memberships, travel, and more. Whether you’re stocking up on essentials, planning a vacation, or treating yourself to a spa day, the rotating categories ensure there’s always an opportunity to earn more.
Activating the bonus is simple and takes just moments through your Chase or Discover account online or via their mobile apps. Once activated, you’ll earn 5% cashback on every eligible purchase within the quarterly categories - up to $75 in rewards each quarter.
This program is a straightforward way to enhance your cashback rewards throughout the year. With no additional cost to participate, it’s a smart choice for anyone looking to boost their savings while enjoying everyday perks. Remember to activate each quarter and stay updated on the new categories to to make the most of this rewarding benefit!
Chase Bonus Categories: Freedom Flex® and Chase Freedom®
5% Cashback Categories:
Quarter 1 (January 1 - March 31)
- Norwegian Cruise Line® purchases 🛳️
- Grocery stores (but not Walmart® or Target®) 🛒
- Fitness clubs and gym memberships 💪
- Hair, nails, and spa services 💅
Quarter 2 (April 1 - June 30)
- Details coming mid-March
Quarter 3 (July 1 - September 30)
- Details coming mid-June
Quarter 4 (October 1 - December 31)
- Details coming mid-September
Freedom Flex®
On Chase's Secure Website
Annual fee:
$0
Intro APR
Purchases: 0%, 15 months
Balance Transfers: 0%, 15 months
Regular APR
19.49% - 28.24% Variable APR
Buy Now, Pay Later Break up eligible credit card purchases into equal monthly payments. Two plan options - "after purchase" in the bank account, or "at checkout" with select merchants (e.g., Amazon). Eligibilty requirements vary.
Chase Pay Over Time℠
Credit Score
670-850 (Good/Excellent)
Rewards Earn 5% cashback on different categories like gas stations, grocery stores (excluding Target® and Walmart®), and select online merchants on up to $1,500 in total combined purchases each quarter you activate, 5% on travel purchased through Chase Travel, 3% on dining and drugstore purchases, plus 1% on all other purchases.
1% - 5% Cashback
Welcome Offer Earn a $200 bonus after spending $500 in the first 3 months.
$200
Discover Bonus Categories: Discover it® Credit Card
5% Cashback Categories:
Quarter 1 (January 1 - March 31)
- Restaurants 🍽️
- Home improvement stores 🏠
- Select streaming services 🎬
Quarter 2 (April 1 - June 30)
- Announcing on March 1
Quarter 3 (July 1 - September 30)
- Announcing on June 1
Quarter 4 (October 1 - December 31)
- Announcing on September 1
U.S. Bank Bonus Categories: U.S. Bank Cash+® Visa Signature® Card
The U.S. Bank Cash+® Visa Signature® Card offers a unique twist on earning cashback with its customizable 5% bonus categories. Unlike other cards, U.S. Bank lets you choose your own categories each quarter to maximize your cashback rewards.
You can earn 5% cashback on the first $2,000 in combined purchases in two categories that you choose each quarter. Categories include options like home utilities, fast food, furniture stores, electronics, and more.
U.S. Bank offers a variety of categories to pick from each quarter, so you can choose those that align with your spending habits. Keep an eye out for seasonal and changing options to make sure you’re getting the most out of your card!
To activate your 5% bonus categories, simply log into your U.S. Bank online account or mobile app each quarter to select your preferred categories. Remember, activation is required to earn the bonus cashback.
The U.S. Bank Cash+® Visa Signature® Card offers flexibility, giving you the power to tailor your rewards to fit your lifestyle, all while earning cash back on everyday purchases. Don’t forget to activate your bonus categories each quarter to make the most of your cashback potential!
Quarter 1 (January 1 - March 31) - pick your two 5% categories:
- Cell phone providers 📱
- Department stores 🏬
- Electronic stores 💻
- Fast food 🍔
- Furniture stores 🛋️
- Ground transportation 🚗
- Gym/fitness centers 🏋️♀️
- Home utilities 💡
- Movie theaters 🎥
- Select clothing stores 👗
- Sporting good stores ⚽
- TV, internet, and streaming services 📺
Quarter 2 (April 1 - June 30)
- You can view and edit your categories starting February 15.
Quarter 3 (July 1 - September 30)
- You can view and choose categories starting May 17.
Quarter 4 (October 1 - December 31)
- You can view and choose categories starting August 17.
Paypal
Why we picked it: You will earn 3% cashback in the category of your choice for a $0 annual fee. Increased earnings on grocery and wholesale clubs (2% cashback). It offers a $200 welcome bonus and 15 months of 0% APR on purchases and balance transfers.
✅ Pros:
- No annual fee
- Introductory 0% APR on purchases and balance transfer
- Sign-up bonus
- 3% cashback in the category of your choice
- You can change the choice category once every month
- 25% - 75% more cashback for Preferred Rewards members
❌ Cons:
- Foreign transaction fee
- The 3% and 2% cashback has a spending limit of $2,500 in combined purchases each quarter
Customized Cash Rewards
On Bank of America's Secure Website
Annual fee:
$0
Intro APR
Purchases: 0%, 15 billing cycles
Balance Transfers: 0%, 15 billing cycles
Regular APR
18.24% - 28.24% Variable APR
Buy Now, Pay Later N/A
N/A
Credit Score
670-850 (Good/Excellent)
Rewards Earn 3% cashback in the category of your choice: gas and EV charging stations; online shopping, including cable, internet, phone plans and streaming; dining; travel; drug stores and pharmacies; or home improvement and furnishings. Earn 2% cashback at grocery stores and wholesale clubs. You will earn 3% and 2% cashback on up to $2,500 in combined choice category/grocery store/wholesale club purchases each quarter. Earn 1% cashback on all other purchases.
1% - 5.25% Cashback
Welcome Offer Earn a $200 bonus after spending $1,000 in the first 90 days of account opening.
$200
Amazon Visa Credit Card
Why we picked it: You will earn unlimited 3% cashback on Amazon and Whole Foods purchases. Increased earnings on dining at restaurants, gas stations, local transit and commuting (3% cashback), and Chase Travel (5% cashback). It offers a $50 Amazon Gift card instantly upon approval and no foreign transaction fee. It covers your new purchases against damage or theft and extends the manufacturer’s warranty by one additional year. It also provides standout travel benefits, such as auto rental collision coverage, baggage delay insurance, lost luggage reimbursement, and travel accident insurance.
✅ Pros:
- No annual fee
- Amazon Prime membership is not required
- No foreign transaction fee
- Instant sign-up bonus
- Unlimited 3% cashback on Amazon and Whole Foods
- Unlimited 3% cashback on Chase Travel℠
- Rental car coverage
- Great travel benefits such as baggage delay insurance, lost luggage reimbursement, and travel accident insurance
- Purchase protection
- Extended warranty
❌ Cons:
- To unlock the higher rewards rate (5% back), you need an Amazon Prime membership
- No premium travel benefits like airport lounge access, travel-related credits, Global Entry® or TSA PreCheck®.
Amazon Visa
On Chase's Secure Website
Annual fee:
$0
Intro APR
Purchases: N/A
Balance Transfers: N/A
Regular APR
19.49% - 28.24% Variable APR
Buy Now, Pay Later Break up eligible credit card purchases into equal monthly payments. Two plan options - "after purchase" in the bank account, or "at checkout" with select merchants (e.g., Amazon). Eligibilty requirements vary.
Chase Pay Over Time℠
Credit Score
670-850 (Good/Excellent)
Rewards Earn 3% cashback at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases. Earn 2% cashback at restaurants, gas stations, on local transit and commuting. Earn 1% cashback on all other purchases.
1% - 3% Cashback
Welcome Offer Earn a $50 Amazon Gift Card instantly upon approval.
$50 Amazon Gift Card
Bank of America® Travel Rewards Credit Card for Students
Why we picked it: You will earn unlimited 1.5x flat-rate points on all purchases for a $0 annual fee. It offers a generous welcome bonus and a long introductory 0% APR on purchases and balance transfers. Additionally, with no foreign transaction fees, it is an excellent choice for students studying abroad or traveling internationally.
✅ Pros:
- No annual fee
- No foreign transaction fee
- Introductory 0% APR on purchases and balance transfer
- Generous sign-up bonus
- Unlimited 1.5x points on all purchases
❌ Cons:
- No bonus categories
- Very limited benefits
Travel Rewards for Students
On Bank of America's Secure Website
Annual fee:
$0
Intro APR
Purchases: 0%, 15 billing cycles
Balance Transfers: 0%, 15 billing cycles
Regular APR
18.24% - 28.24% Variable APR
Buy Now, Pay Later N/A
N/A
Credit Score
New To Credit
Rewards Earn 1.5x points per $1 spent on all purchases.
1.5x Points
Welcome Offer Earn 25,000 bonus points when you spend $1,000 on purchases within the first 90 days of opening your account. These points can be redeemed for a $250 statement credit toward travel and dining purchases.
25,000 Points
Bilt Mastercard®
Why we picked it: The Bilt Mastercard® is the first and the only credit card to let you pay rent without a transaction fee and offers rewards for paying rent. You will earn 1x on rent, 2x on travel, 3x on dining. Plus, double points on the 1st of each month (except rent). This no-annual-fee card offers excellent travel benefits such as primary rental car coverage, no foreign transaction fee, trip cancellation/interruption insurance, and trip delay reimbursement. Additionally, it provides cell phone protection and covers new purchases against damage or theft.
✅ Pros:
- No annual fee
- No foreign transaction fee
- Double points on the 1st of each month
- Rent payment with no transaction fee
- 1x points on rent payment
- 3x points on dining
- 1:1 point transfer to travel partners
- Primary rental car coverage
- Excellent travel benefits, including trip cancellation/interruption insurance and trip delay reimbursement
- Cell phone protection
- Purchase protection
❌ Cons:
- No sign-up bonus
- No introductory 0% APR
- High regular APR
- 100,000 point limit for 1x points on rent each calendar year
- Must complete at least five transactions per statement period to earn points
Bilt Mastercard®
On Wells Fargo's Secure Website
Annual fee:
$0
Intro APR
Purchases: N/A
Balance Transfers: N/A
Regular APR
20.49% - 28.49% Variable APR
Buy Now, Pay Later N/A
N/A
Credit Score
670-850 (Good/Excellent)
Rewards Earn 3x points on dining, 2x points on travel, 1x points on rent payments without the transaction fee (up to 100,000 points each calendar year), and 1x points on all other purchases. Enjoy double points on the 1st of each month and earn 6x points on dining, 4x points on travel, and 2x points on all other purchases (except rent) up to 10,000 points per month. Note: You will earn points and double points on the 1st of each month when you make 5 transactions that post each statement period. If you do not make at least 5 transactions that post to your account in a statement period, you'll earn a flat 250 points when you use your Bilt Mastercard to pay rent through the Bilt App.
1x - 6x Points
Welcome Offer N/A
N/A
Chase Sapphire Reserve® Credit Card
Why we picked it: Chase Sapphire Reserve® is a premium-level credit card with elevated rewards on travel and dining. You will earn up to 10x points on travel and dining, receive a $300 annual travel credit, and get 50% more value when you redeem your points for travel through Chase. The card offers a generous welcome bonus for new customers and excellent travel benefits and perks such as unlimited airport lounge access, primary rental car coverage, no foreign transaction fee, trip cancellation/interruption insurance, trip delay reimbursement, lost luggage reimbursement, baggage delay insurance, and many more. Additionally, it covers your new purchases against damage or theft, provides return protection, and extends the manufacturer’s warranty by one additional year.
✅ Pros:
- No foreign transaction fee
- Generous sign-up bonus
- Great rewards (up to 10x points) on travel and dining
- Unlimited airport lounge access
- $300 annual travel credit
- Global Entry®, TSA PreCheck®, or NEXUS
- 50% more points value if redeemed for travel booked through Chase
- Primary rental car coverage
- Standout travel benefits and perks
- 1:1 point transfer to travel partners
- Purchase and return protection
- Extended Warranty
❌ Cons:
- High annual fee
- Requires excellent credit
- $75 annual fee for each authorized user
- No introductory 0% APR
- High regular APR
Sapphire Reserve®
On Chase's Secure Website
Annual fee:
$550
Intro APR
Purchases: N/A
Balance Transfers: N/A
Regular APR
20.24% - 28.74% Variable APR
Buy Now, Pay Later Break up eligible credit card purchases into equal monthly payments. Two plan options - "after purchase" in the bank account, or "at checkout" with select merchants (e.g., Amazon). Eligibilty requirements vary.
Chase Pay Over Time℠
Credit Score
740-850 (Excellent)
Rewards Earn 10x points on hotels (excluding The Edit℠) and car rentals purchased through Chase Travel after spending $300 on travel annually. Earn 5x points on flights purchased through Chase Travel after spending $300 on travel annually. Earn 3x points on other travel purchases after spending $300 on travel annually. Earn 10x points on Chase Dining purchases and 3x points on other dining purchases. Earn 1x points on all other purchases.
1x - 10x Points
Welcome Offer Earn 60,000 bonus points after spending $5,000 on purchases in the first three months. That's worth $900 when redeemed for travel through Chase Travel or $600 for cash.
60,000 Points
Signify Business Cash℠ Card
Why we picked it: You will earn unlimited 2% flat-rate cashback on all purchases with no annual fee. It includes a $500 welcome bonus and an introductory 0% APR on purchases for 12 months. Additionally, it provides valuable travel benefits such as baggage delay reimbursement, travel accident insurance, and rental car coverage.
✅ Pros:
- No annual fee
- Simplicity
- Unlimited 2% cashback on all purchases
- Introductory 0% APR on purchases
- Sign-up bonus
- Travel benefits, including baggage delay reimbursement and travel accident insurance
- Rental car coverage
- Employee cards at no additional cost
❌ Cons:
- Foreign transaction fee
- No bonus categories
Signify Business Cash℠
On Wells Fargo's Secure Website
Annual fee:
$0
Intro APR
Purchases: 0%, 12 months
Balance Transfers: N/A
Regular APR
17.49% - 25.49% Variable APR
Buy Now, Pay Later N/A
N/A
Credit Score
670-850 (Good/Excellent)
Rewards Earn 2% unlimited cashback on purchases made for your business, with no categories to track or quarterly activations.
2% Cashback
Welcome Offer Earn a $500 cash rewards bonus when you spend $5,000 on purchases in the first 3 months.
$500
Chase Freedom Unlimited® Credit Card
Why we picked it: You will earn unlimited 1.5% flat-rate cashback on all purchases for a $0 annual fee. Increased earnings on dining and drugstores (3% cashback), and travel booked through Chase Travel (5% cashback). It offers a generous welcome bonus and a long introductory 0% APR on purchases and balance transfers. It covers your new purchases against damage or theft and extends the manufacturer’s warranty by one additional year.
✅ Pros:
- No annual fee
- Introductory 0% APR on purchases and balance transfer
- Generous welcome offer
- Unlimited 5% cashback on Chase Travel℠
- Unlimited 3% cashback on dining and drugstores
- Unlimited 1.5% cashback on all purchases
- Rental car coverage
- Trip cancellation/interruption insurance
- Purchase protection
- Extended warranty
❌ Cons:
- Foreign transaction fee
- No bonus categories
Freedom Unlimited®
On Chase's Secure Website
Annual fee:
$0
Intro APR
Purchases: 0%, 15 months
Balance Transfers: 0%, 15 months
Regular APR
18.99% - 28.49% Variable APR
Buy Now, Pay Later Break up eligible credit card purchases into equal monthly payments. Two plan options - "after purchase" in the bank account, or "at checkout" with select merchants (e.g., Amazon). Eligibilty requirements vary.
Chase Pay Over Time℠
Credit Score
670-850 (Good/Excellent)
Rewards Earn 5% cashback on travel purchased through Chase Travel℠. Earn 3% cashback on drugstores and dining. Earn 1.5% cashback on all other purchases.
1.5% - 5% Cashback
Welcome Offer Earn a $200 bonus after spending $500 in the first 3 months.
$200
Looking for more?
With so many options available, it is important to do your own research to choose the best credit card for your individual needs. To find the credit card that best suits you, be sure to check our website for:
Best credit cards for Balance Transfer
Best credit cards for Sign-up Bonus
Best credit cards for Students
Best credit cards for Cash Back
Best credit cards for Online Shopping
Best credit cards with No Foreign Transaction Fee
The information about the credit cards has been collected independently by big4credit.com. The card details have not been reviewed or approved by the card issuer.