Update for 2nd Quarter of 2013… Activate now! Here’s my quarterly update on credit cards that offer a hefty 5% cash back on certain categories that rotate each quarter. Even though some people don’t like to bother, with a little extra attention I can easily rack up hundreds of dollars in additional rewards per year without otherwise changing my spending habits. None of these have an annual fee, so it costs me nothing to keep them around. Many also offer sign-up bonuses to new cardmembers.
Chase Freedom® Visa – $100 Bonus Cash Back
Reward categories change quarterly. From April 1st to June 30th, you can earn 5% cash back on up to $1,500 spent in the following categories:
- Movie Theaters
You must enroll each quarter at ChaseBonus.com, but it’s very quick and as long as you activate by the end of the quarter the rewards are retroactive. All other purchases earn 1% back, with no tiers or expiration of rewards. Currently, the Chase Freedom® Visa – $100 Bonus Cash Back is offering a $100 bonus cashback if you sign up and make just $500 in purchases in your first three months. No annual fee.
- To apply, visit any link above or call l 866-943-9615
Citi® Dividend Platinum Select® Visa® Card
Reward categories change quarterly. From April 1st to June 30th, you can earn 5% cash back from Citi on eligible purchases at:
- Home Furnishing Stores
- Home & Garden Stores
- Home Depot
Enroll by logging into your account online or calling 1-800-231-0891 (not retroactive). There is no cap on the 5% back, except for the $300 overall cap on all dividend rewards annually. Full 1% cash back on all other purchases and eligible cash advances and rewards do not expire as long as you have activity once every 12 months.
Currently, the Citi® Dividend Platinum Select® Visa® Card has a promotion offering $100 cash back after $500 in purchases within the first 3 months of account opening. 0% Intro APR on Balance Transfers and Purchases for 12 months. After that, the APR will be 12.99%-22.99% variable based on your creditworthiness. No annual fee.
Discover It® Card (new, better card!)
Reward categories change quarterly. From April 1 to June 30, you can earn 5% cash back on up to $1,500 spent in the following categories:
- Home Improvement Stores (sense a theme yet?)
You must login into your online account page and activate the rewards each quarter. The new Discover It® card now has a flat 1% cash back (no more tiers!), late-payment forgiveness, and direct-to-human, 100% US-based customer service reps. No annual fee.
Don’t forget to also check out my list of the best cash back rewards credit cards, which include an American Express that gives 6% back on groceries and 3% back on gas.
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