2nd quarter activation now open for all cards. 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. Sometimes this involves buying Amazon gift cards at stores offering 5% back. 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 April 1st through June 30th, 2014 you can earn 5% cash back on up to $1,500 spent in the following categories:
- Lowe’s home improvement 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 and a $25 Bonus after you add your first authorized user and make a purchase within this same 3-month period. No annual fee.
Citi® Dividend Platinum Select® Visa® Card
From April 1st to June 30th, you can earn 5% cash back from Citi on eligible purchases at:
- The Home Depot
- Home furnishing (classified as merchants that primarily sell furniture for homes. IKEA has counted for me in the past with Citi)
- Home and garden stores (classified as merchants that primarily sell plants, flowers and related items and include florists, nurseries or landscaping service providers.)
Login into your online account or call 1-800-231-0891 to activate the rewards each quarter (starts upon activation, not retroactive). The total cash back earned with the card is $300 per calendar year, excluding the $100 cash back with this offer. See Citi Dividend Card Reward Program Information. 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 April 1st to June 30th, you can earn 5% cash back on up to $1,500 spent in the following categories:
- Home Improvement Stores (including Home Depot and Lowes)
- Furniture Stores (IKEA has counted for me in the past with Citi)
- Bed Bath & Beyond
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.)
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