Spring is here! Which means 2nd quarter cash back is here! It’s time to reevaluate the cards you are carrying to take advantage of 2nd quarter 2013 cash rewards credit cards bonuses. Every quarter we reevaluate the cash back cards to make sure we get the highest cash back on each purchase including the credit cards that offer cash back on a rotating quarterly schedule.
In addition, you’ll need to switch around your cards again if you recently packed a special set of Credit Cards for Vacation.
As you switch out your cards, don’t forget to follow up on all your rewards and make sure you are earning the right cash back and maximizing all of your purchases.
By now, you know the drill: swap out the 2013 1st Quarter 5% Rewards and maximize your cash rewards for 2nd quarter 2013 to make sure you have the right cards, you are signed up for the 5% promotions, and you know where to use them.
2nd Quarter 2013 5% Cash Rewards Credit Cards
Chase Freedom. The Chase Freedom card will be the card of choice for restaurants this spring. The 2nd quarter 2013 Chase Freedom 5% categories are:
- Movie Theaters
See the entire 2013 Chase Freedom Rewards Calendar and the Best Way to Maximize Chase Ultimate Rewards Points.
Citi Dividend. If you are planning home improvements this spring, Citi has you covered with the 5% cash back! The 2nd quarter 2013 Citi Dividend 5% categories are:
- Home Furnishing Stores
- Home and Garden Stores
- The Home Depot
Discover it. You’ll notice the switch from the old Discover More card to the new Discover it card this quarter. Both cards appear to have the same Discover 5% cash back for 2nd quarter 2013, although it’s just more home improvement categories. Quarterly rewards are much more fun when they are different across cards! The 2nd quarter 2013 Discover More 5% categories are:
- Home Improvement Stores
See the entire 2013 Discover Rewards Calendar.
No Sign Up Needed
And as always, here are the easier cash back categories, since you don’t need to sign up.
|Grocery Stores||Blue Cash Preferred® Card from American Express||6% cash back|
|Gas Stations||Pen Fed Platinum VISA||5% cash back at the pump|
|Restaurants||Citi Forward||5 ThankYou Points for every $1|
|Target||Target credit card||5% discount|
|Amazon||Citi Forward Card or |
|5% cash back|
3 points per dollar
|Wireless and Office Supplies||Ink Bold||5% cash back|
|Costco||Fidelity Credit Card||2% cash back|
|Travel||Chase Sapphire Preferred||Various|
|Everything Else||Gift cards purchased on American Express|
or Gift cards purchased on Ink Bold
or Fidelity Credit Card
How to Get Your 5% Cash Back
Here’s my checklist for rotating cash back programs:
- Sign up for all of the new quarterly cash back programs, even if you don’t know if you’ll use that card. To sign up, just log in to your account online and select the 2nd quarter 2013 5% cash back information. In order to earn the 5%, you have to enroll in each program quarterly.
- Write which categories to use each card for using a marker on the front of the card. It works really well to keep the cards straight!
Sign Up Bonus Offers
If you don’t have the 5% cash rewards cards I’m using, here are the ones currently offering sign up bonus offers: