1st quarter of 2014 Update - The cards below offer a hefty 5% cash back on certain categories that rotate each quarter. 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. New cardmembers often also get an initial sign-on bonus.
From January 1st through March 31st, 2014 you can earn 5% cash back on up to $1,500 spent in the following categories:
- Gas Stations
- Movie Theaters
- Starbucks Stores
Enroll each quarter at ChaseBonus.com, it’s 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® card is offering a $100 bonus cash back if you sign up and make just $500 in purchases in your first three months. No annual fee.
Citi® Dividend Platinum Select® Visa® Card
From January 1st to March 31st, you can earn 5% cash back from Citi on eligible purchases at:
- Drug Stores
- Fitness Clubs
Login into your online account or call 1-800-231-0891 to activate the rewards each quarter (starts upon activation, 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!)
From January 1st to March 31st, you can earn 5% cash back on up to $1,500 spent in the following categories:
- Movie Purchases
Login into your online account to activate the rewards each quarter (starts upon activation, not retroactive). The new Discover It® card now has a flat 1% cash back (no more tiers), free FICO score every month, late-payment forgiveness, and direct-to-human, 100% US-based customer service reps. No annual fee. (If you have an old Discover More card, you should call in and convert it to a Discover It card for free and get the new perks.)
“Disclaimer: This content is not provided or commissioned by the issuer. Opinions expressed here are author’s alone, not those of the issuer, and have not been reviewed, approved or otherwise endorsed by the issuer. This site may be compensated through the issuer’s Affiliate Program.”