Every quarter the 5% cash back credit cards rotate cash back categories. You can see the current quarter 5% Rotating Cash Rewards Credit Cards.

This is the historical record of the cash back we cover each quarter.

Historical Quarterly 5% Rotating Cash Rewards Credit Cards

It’s our quarterly check-in to reevaluate the cards we are carrying to take advantage of the best quarterly cash rewards credit card 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.

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.

Maximize your cash rewards for 2nd quarter 2017 to make sure you have the right cards, you are signed up for the 5% promotions and you know where to use them.

Quarterly 5% Cash Rewards Credit Cards

Discover it. The quarterly 5% cash back for Discover categories are:

2017 Discover Rewards Calendar

1st Quarter 2nd Quarter 3rd Quarter 4th Quarter
Gas Stations
Ground Transportation
Wholesale Clubs
Home Improvement
Wholesale Clubs
Restaurants Amazon.com & More

Discover 5% cash back is on up to $1,500 in purchases. Here’s the place to activate your Discover rewards. See the entire Discover Rewards Calendar.

Don’t forget to look up the end date for your double cash back if you are a new cardholder or signed up last year! During the double your 5% cash back becomes 10% cash back. Here’s more information on the Discover it 10% Double Cashback.

Chase Freedom. The quarterly 5% cash back for Chase Freedom categories are:

2017 Chase Freedom Rewards Calendar

1st Quarter 2nd Quarter 3rd Quarter 4th Quarter
Gas Stations
Local Commuter Transportation
Grocery Stores
(Excluding Target and Walmart)
Movie Theaters
Holiday Shopping

Chase Freedom 5% cash back is on up to $1,500 in purchases. Here’s the place to activate your quarterly Chase Freedom rewards. See the entire Chase Freedom Rewards Calendar. Also see the Best Way to Maximize Chase Ultimate Rewards Points.

Citi Dividend. The quarterly Citi Dividend 5% categories are:

2017 Citi Rewards Calendar

1st Quarter 2nd Quarter 3rd Quarter 4th Quarter
Home Depot
Home Furnishing Stores
Drug Stores
Fitness Clubs
Best Buy
Department Stores

Citi 5% cash back is on up to $300 cash back per calendar year ($6,000 in purchases). Here’s the place to activate your 2nd quarter Citi Dividend rewards. See the entire 2017 Citi Dividend Rewards Calendar.

US Bank Cash +. Don’t forget you need to pick your 5% categories each quarter for the US Bank Cash + card. Here are some of the 5% cash back choices:

  • Gym & Fitness Centers
  • Cell Phone
  • Various Stores (Bookstores, Clothing, Department, Sporting Goods, Electronics, Furniture and More)

You need to select your categories five days before the end of the current quarter. US Bank 5% cash back is earned on your first $2,000 in combined net purchases (purchases minus returns or credits) in your chosen 5% categories. Here’s the place to activate your 2nd quarter Cash Plus rewards.

No Sign Up Needed

And as always, here are the easier cash back categories, since you don’t need to sign up:

Category Card Cash Back
Grocery Stores* Blue Cash Preferred Card from American Express
American Express Old Blue Cash Card
6% cash back (up to $6,000 per year)
Gas American Express Old Blue Cash Card
New Costco Anywhere Card
Amex Business Gold Rewards
Restaurants Citi Thank You Premier Card
Citi Prestige
2 points per $1
2 points per $1
Target Target credit card 5% discount
Amazon Amazon Visa 5% cash back
Wireless SimplyCash Business Card from American Express 5% cash back
Office Supplies SimplyCash Business Card from American Express 5% cash back
Internet and Cable Chase Ink Plus 5x rewards points
Costco Fidelity Credit Card
New Costco Anywhere Visa
BankAmericard Cash Rewards
Capital One Venture
2% cash back
2% cash back
2% cash back
2% cash back
Travel Citi Prestige
Barclaycard Arrival
Chase Sapphire Reserve
Charitable Donations US Bank FlexPerks Card 3x points
Choose Your Own Categories SimplyCash American Express 3%
Everything Else New USAA Limitless Cash Back Card
Fidelity Credit Card
Citi Double Cash
Barclaycard Arrival

*I left the categories on the grid for those currently in rotation. Readers requested that I leave them on as a backup for which card to use once they’ve exhausted their rotating rewards.

How to Get Your 5% Cash Back

Here’s my checklist for rotating cash back programs:

  1. 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 2017 5% cash back information. In order to earn the 5%, you have to enroll in each program quarterly.
  2. 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!
  3. To keep the list of cards straight, I also began printing out a quick cheat sheet to slip in each of our wallets.

Sign Up Bonuses

All of the links for current sign up bonuses are now listed in our credit card directory.

Are you using different cards for any of these categories?

If you're looking for a new credit card, be sure to check out our credit card directory!

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