2nd quarter cash back is here and it’s focused on restaurants and home improvements this spring! It’s time once again to get all the cards organized, activated and into a regular rotation.

Reevaluate Quarterly Cash Rewards

It’s our quarterly check-in to reevaluate the cards we are carrying to take advantage of the best 2nd quarter 2015 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.

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.

We do the same swap every quarter, so you know exactly how it works: take out the old 1st Quarter 2015 5% Rotating Cash Rewards Credit Cards and maximize your cash rewards for 2nd quarter 2015 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 2015 5% Cash Rewards Credit Cards

Discover it. The Discover 5% cash back for 2nd quarter 2015 is for restaurants! The 2nd quarter 2015 Discover it 5% categories are:

  • Restaurants
  • Movies

Discover 5% cash back is on up to $1,500 in purchases. Here’s the place to activate your 2nd quarter Discover rewards. See the entire 2015 Discover Rewards Calendar.

Chase Freedom. The Chase Freedom card is also featuring 5% cash back on restaurants this quarter! The 2nd quarter 2015 Chase Freedom 5% categories are:

  • Restaurants
  • Bed Bath and Beyond
  • H&M
  • Overstock.com

Chase Freedom 5% cash back is on up to $1,500 in purchases. Here’s the place to activate your 2nd quarter Chase Freedom rewards. See the entire 2015 Chase Freedom Rewards Calendar and the Best Way to Maximize Chase Ultimate Rewards Points.

Citi Dividend. Citi 5% cash back this quarter is focused on your home. The 2nd quarter 2015 Citi Dividend 5% categories are:

  • Home Depot
  • Home & Garden 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 2015 Citi Dividend Rewards Calendar.

US Bank Cash +. I’m adding the US Bank Cash + card to the list this quarter. You need to pick your 5% categories each quarter, so I want to make sure it’s on our checklist. Here are some of the 5% cash back choices:

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

You need to select your categories before March 26, 2015. 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
or American Express Old Blue Cash Card
6% cash back (up to $6,000 per year)
Gas TrueEarnings® Card from Costco and American Express
or American Express Old Blue Cash Card
3% cash back (up to $4,000 per year)
Restaurants* Citi Thank You Premier Card 3 ThankYou Points for every $1
Target Target credit card 5% discount
Amazon Amazon Visa or
Citi Forward Card (college students only)
3% cash back
5% cash back
Wireless* and Office Supplies SimplyCash® Business Card from American Express 5% cash back
Internet and Cable Chase Ink Plus 5x rewards points
Costco Fidelity Credit Card 2% cash back
Travel Barclaycard Arrival Various
Charitable Donations U.S. Bank FlexPerks® Business Travel Rewards Visa® Card 3x points
Choose Your Own Categories SimplyCash® American Express 3%
Everything Else Gift cards purchased on American Express
or Fidelity Credit Card
or New Citi Double Cash
or 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 2015 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!

Sign Up Bonuses

Here are some current sign up bonuses for the cards mentioned:

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

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