{"id":22130,"date":"2026-04-01T16:10:02","date_gmt":"2026-04-01T16:10:02","guid":{"rendered":"https:\/\/awardwallet.com\/blog\/?p=22130"},"modified":"2026-04-08T14:31:13","modified_gmt":"2026-04-08T14:31:13","slug":"quarterly-bonus-categories","status":"publish","type":"post","link":"https:\/\/awardwallet.com\/credit-cards\/quarterly-bonus-categories\/","title":{"rendered":"Earn 5% Back (or More) This Quarter Using These Credit Cards With Rotating Categories in Q2 2026"},"content":{"rendered":"<p>Earning points through <a target=\"_blank\" href=\"\/credit-cards\/best-credit-card-offers\/\" rel=\"noopener\">lucrative credit card sign-up bonuses<\/a> is the easiest way to build up a stash of points and miles. But, if you\u2019re serious about earning points and miles, don\u2019t overlook how much value you can get from using the right credit card in the right place. One of the most powerful tools in your wallet? Credit cards that offer 5% cash back (or more) in rotating bonus categories.<\/p>\n<p>These cards aren\u2019t ideal for all purchases, but when used strategically \u2014 along with one of the <a target=\"_blank\" href=\"\/credit-cards\/best-everyday-credit-card\/\" rel=\"noopener\">best cards for everyday spending<\/a> \u2014 these cards can really boost your earnings. And now is a perfect time to take stock: most cards with rotating categories reset their bonuses on <strong>April 1, 2026<\/strong>.<\/p>\n<p>In this post, we\u2019ll walk through the most popular rotating category cards, highlight the current 5% (or better) opportunities, and share tips for maximizing your rewards this quarter.<\/p>\n<div id=\"toc_container\" class=\"toc_light_blue no_bullets\"><p class=\"toc_title\">Page Contents<\/p><ul class=\"toc_list\"><li><a href=\"#What_Are_Rotating_Category_Bonus_Credit_Cards\">What Are Rotating Category Bonus Credit Cards?<\/a><\/li><li><a href=\"#Chase_Freedom_Flex_and_Chase_Freedom\">Chase Freedom Flex\u2120 and Chase Freedom<sup>\u00ae<\/sup><\/a><ul><li><a href=\"#Chase_Freedom_5_categories\">Chase Freedom 5% categories<\/a><\/li><li><a href=\"#Enrollment\">Enrollment<\/a><\/li><li><a href=\"#Limits\">Limits<\/a><\/li><\/ul><\/li><li><a href=\"#Citi_Custom_Cash_Card\">Citi Custom Cash<sup>\u00ae<\/sup> Card<\/a><ul><li><a href=\"#Citi_Custom_Cash_5_categories\">Citi Custom Cash 5% categories<\/a><\/li><li><a href=\"#Enrollment-2\">Enrollment<\/a><\/li><li><a href=\"#Limits-2\">Limits<\/a><\/li><\/ul><\/li><li><a href=\"#Discover_Cashback_Calendar\">Discover Cashback Calendar<\/a><ul><li><a href=\"#Discover_it_Cash_5_categories\">Discover it Cash 5% categories<\/a><\/li><li><a href=\"#Enrollment-3\">Enrollment<\/a><\/li><li><a href=\"#Limits-3\">Limits<\/a><\/li><\/ul><\/li><li><a href=\"#US_Bank_Cash_Visa_Signature_Card\">U.S. Bank Cash+<sup>\u00ae<\/sup> Visa Signature<sup>\u00ae<\/sup> Card<\/a><ul><li><a href=\"#US_Bank_Cash_Visa_5_categories\">U.S. Bank Cash+ Visa 5% categories<\/a><\/li><li><a href=\"#Enrollment-4\">Enrollment<\/a><\/li><li><a href=\"#Limits-4\">Limits<\/a><\/li><\/ul><\/li><li><a href=\"#Citi_Dividend_Card\">Citi<sup>\u00ae<\/sup> Dividend Card<\/a><ul><li><a href=\"#Citi_Dividend_5_categories\">Citi Dividend 5% categories<\/a><\/li><li><a href=\"#Enrollment-5\">Enrollment<\/a><\/li><li><a href=\"#Limits-5\">Limits<\/a><\/li><\/ul><\/li><li><a href=\"#Huntington_Voice_Rewards_Credit_Card\">Huntington Voice Rewards Credit Card\u2120<\/a><ul><li><a href=\"#Huntington_Voice_Rewards_3X_categories\">Huntington Voice Rewards 3X categories<\/a><\/li><li><a href=\"#Enrollment-6\">Enrollment<\/a><\/li><li><a href=\"#Limits-6\">Limits<\/a><\/li><\/ul><\/li><li><a href=\"#Final_Thoughts\">Final Thoughts<\/a><\/li><\/ul><\/div>\n\n<h2><span id=\"What_Are_Rotating_Category_Bonus_Credit_Cards\">What Are Rotating Category Bonus Credit Cards?<\/span><\/h2>\n<p>Credit cards with a rotating category bonus offer elevated earnings when you use your card for the current bonus category. These categories usually last only a quarter and are then updated to a new category.<\/p>\n<p>You can find many different types of credit cards floating around on the market. Some cards are great for everyday spending. Other cards are geared more towards specific niches and allow you to earn more when spending there. For example, some cards <a target=\"_blank\" href=\"\/credit-cards\/best-credit-card-for-groceries\/\" rel=\"noopener\">earn bonus points at supermarkets<\/a>, while others will <a target=\"_blank\" href=\"\/credit-cards\/best-credit-cards-for-gas\/\" rel=\"noopener\">earn bonus points at gas stations<\/a>.<\/p>\n<figure id=\"attachment_117674\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-117674 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/07\/Kampus-Production-Pexels-small-business-pay-featured-300x240.png\" alt=\"a customer pays by credit card at a supermarket cashier\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/07\/Kampus-Production-Pexels-small-business-pay-featured-300x240.png 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/07\/Kampus-Production-Pexels-small-business-pay-featured-768x614.png 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/07\/Kampus-Production-Pexels-small-business-pay-featured-325x260.png 325w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/07\/Kampus-Production-Pexels-small-business-pay-featured.png 1000w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Credit: Kampus Production\/Pexels<\/em><\/enter><\/figure>\n<p>Another aspect of rotating category bonus cards is that they are generally capped each quarter. For example, the <a data-ccid=\"4048224\" href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/freedom-flex\/\">Chase Freedom Flex\u2120<\/a> allows you to earn 5% cash back in set bonus categories each quarter. However, cardholders are capped at earning 5% cash back on the first $1,500 in purchases each quarter. After that, you return to the normal earning rate (generally 1X).<\/p>\n<p>These caps and categories vary by bank and sometimes from card to card. We'll delve into this in detail below.<\/p>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/rewards-earning-rates-by-card\/\" rel=\"noopener\">How Many Rewards Points or Miles Does My Credit Card Earn?<\/a><\/strong><\/p>\n<h2><span id=\"Chase_Freedom_Flex_and_Chase_Freedom\">Chase Freedom Flex\u2120 and Chase Freedom<sup>\u00ae<\/sup><\/span><\/h2>\n<p>The <a data-ccid=\"4048224\" href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/freedom-flex\/\" =_blank>Freedom Flex<\/a> is a favorite in the points and miles world for earning 5% cash back in rotating categories.<\/p>\n<p>Although the card is advertised as earning cash back, if you hold a premium <a target=\"_blank\" href=\"\/credit-cards\/chase-ultimate-rewards\/chase-rewards-cards\/\" rel=\"noopener\">Chase Ultimate Rewards-earning card<\/a> (such as the <a data-ccid=\"2061159\" href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/chase-sapphire-preferred\/\">Chase Sapphire Preferred<sup>\u00ae<\/sup> Card<\/a>, <a data-ccid=\"4048084\" href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/sapphire-reserve\/\">Chase Sapphire Reserve<sup>\u00ae<\/sup><\/a>, or the <a data-ccid=\"3006145\" href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/ink-business-preferred\/\">Ink Business Preferred<sup>\u00ae<\/sup> Credit Card<\/a>), you can <a target=\"_blank\" href=\"\/credit-cards\/chase-ultimate-rewards\/how-to-combine-chase-points\/\" rel=\"noopener\">combine your rewards earnings<\/a> to turn your cashback from the Freedom Flex into Ultimate Rewards points.<\/p>\n<div class=\"qs-card\" data-id=\"4048224\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Chase Freedom Flex\u2120<\/div>\n                    <div class=\"qs-image\"><img data-aspectratio=\"150\/94\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2021\/01\/CardArt-ChaseFreedomFlexCard.png\" width=\"150\" alt=\"Chase Freedom Flex\u2120\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"qs-learn-more\" data-ccid=\"4048224\" href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/freedom-flex\/\" target=_blank>Learn More<\/a><\/div>\n                    <div class=\"qs-rates\"><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong> Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Chase Freedom Flex\u2120<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong> Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$0<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-er\"><ul>\r\n<li>Earn 5% on up to $1,500 on combined purchases in <a href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/chase-freedom-categories\/\" target=_blank>bonus categories<\/a> each quarter you activate<\/li>\r\n<li>Earn 5% on travel purchased through Chase Ultimate Rewards<\/li>\r\n<li>Earn 3% on dining at restaurants, including takeout and eligible delivery services<\/li>\r\n<li>Earn 3% on drugstore purchases<\/li>\r\n<li>Earn 1% on all other purchases<\/li>\r\n<\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/FreedomFlex\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-4-139c5833e3#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div>\n<p>The <a data-ccid=\"340034\" href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/freedom-credit-card\/\" target=_blank>Freedom Card<\/a> is another rotating category card, but it's no longer available to new applicants. However, it is an option for product-changing an existing Ultimate Rewards-earning credit card. The Freedom Card offers the same 5% rotating categories each quarter as the Freedom Flex.<\/p>\n<div class=\"qs-card\" data-id=\"340034\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Chase Freedom<sup>\u00ae<\/sup><\/div>\n                    <div class=\"qs-image\"><img data-aspectratio=\"150\/93\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2019\/06\/cardart-chasefreedom.png\" width=\"150\" alt=\"Chase Freedom\u00ae\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"qs-learn-more\" data-ccid=\"340034\" href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/freedom-unlimited\/\">Learn More<\/a><\/div>\n                    <div class=\"qs-rates\"><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong>\r\nEarn a $150 Bonus after spending $500 on purchases in your first 3 months from account opening.<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Chase Freedom<sup>\u00ae<\/sup><\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong>\r\nEarn a $150 Bonus after spending $500 on purchases in your first 3 months from account opening.<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$0<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">This no-annual-fee card earns 5% cash back on up to $1,500 in combined bonus category purchases each quarter, with the bonus categories rotating 4X per year. Plus, you can get up to $150 cash back after meeting the minimum spend.<\/div><div class=\"qs-tab-er\"><ul><li>5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter.<\/li>\r\n<li>Unlimited 1% cash back on all other purchases.<\/li><\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/ChaseFreedom\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-4-139c5833e3#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div>\n<h3><span id=\"Chase_Freedom_5_categories\">Chase Freedom 5% categories<\/span><\/h3>\n<p>From <strong>April 1 through June 30, 2026<\/strong>, cardholders can enroll to earn 4% <em>bonus<\/em> cash back (for a total of 5% cash back) at or on:<\/p>\n<ul>\n<li><strong>Amazon<\/strong><\/li>\n<li><strong>Chase Travel<\/strong><\/li>\n<li><b>donations to Feeding America<\/b><\/li>\n<\/ul>\n<p><strong><a target=\"_blank\" href=\"\/credit-cards\/chase-ultimate-rewards\/chase-freedom-categories\/\" rel=\"noopener\">See the full details and activate 5% Cash-Back Earnings on your Chase Freedom Flex\u2120 (and Chase Freedom<sup>\u00ae<\/sup>)<\/a><\/strong><\/p>\n<figure id=\"attachment_251209\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"750\/373\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"size-medium wp-image-251209 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2026\/01\/Chase-Freedom-Q2-2026-categories-750x373.png\" alt=\"Chase Freedom 5% rotating categories for Q2 2026\" width=\"750\" height=\"373\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2026\/01\/Chase-Freedom-Q2-2026-categories-750x373.png 750w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2026\/01\/Chase-Freedom-Q2-2026-categories-900x447.png 900w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2026\/01\/Chase-Freedom-Q2-2026-categories-768x382.png 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2026\/01\/Chase-Freedom-Q2-2026-categories.png 1358w\" sizes=\"(max-width: 750px) 100vw, 750px\" \/><center><em>Screenshot of Chase<\/em><\/enter><\/figure>\n<h3><span id=\"Enrollment\">Enrollment<\/span><\/h3>\n<p>Make sure to <a target=\"_blank\" href=\"https:\/\/creditcards.chase.com\/freedom-credit-cards\/calendar\" rel=\"noopener\">enroll your card<\/a>. Then, you should be able to enroll for the following quarter's offers on the 15th of the last month of the previous quarter. For example, enrollment to earn 5% from April through June 2026 opened on March 15, 2026. Enrollment goes through the quarter and ends the day before enrollment for the next quarter opens up. That means enrollment for this quarter ends on June 14, 2026.<\/p>\n<p>The nice thing is that enrolling at any point in the quarter makes you eligible for the bonus categories of that quarter &#8212; even purchases you made earlier in the quarter.<\/p>\n<h3><span id=\"Limits\">Limits<\/span><\/h3>\n<p>Cardmembers can earn 5% back on up to $1,500 each quarter when using an eligible card at select merchants. This means you can earn a total of $75 cash back each quarter on 5% purchases &#8212; then unlimited cash back at 1% earnings.<\/p>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/chase-ultimate-rewards\/freedom-flex\/\" rel=\"noopener\">Should You Get the Chase Freedom Flex\u2120 Card?<\/a><\/strong><\/p>\n<h2><span id=\"Citi_Custom_Cash_Card\">Citi Custom Cash<sup>\u00ae<\/sup> Card<\/span><\/h2>\n<p>The <a data-ccid=\"4048250\" href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-custom-cash\/\">Citi Custom Cash<\/a> card is Citi's most recent addition to rotating category cards. Although it replaced the Citi<sup>\u00ae<\/sup> Dividend Card, it differs from its predecessor in several ways. Most importantly, the card offers bonus points based on your billing cycle rather than by quarter.<\/p>\n<div class=\"qs-card\" data-id=\"4048250\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Citi Custom Cash<sup>\u00ae<\/sup> Card<\/div>\n                    <div class=\"qs-image\"><img data-aspectratio=\"150\/95\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2021\/06\/cardart-citicustomcashcard.png\" width=\"150\" alt=\"Citi Custom Cash&lt;sup&gt;\u00ae&lt;\/sup&gt; Card\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"qs-how-apply\" data-ccid=\"4048250\" href=\"\/blog\/link\/CR-CitiCustomCashCard\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div>\n                    <div class=\"qs-rates\"><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong> Earn $200 in cash back after you spend $1500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou<sup>\u00ae<\/sup> points, which can be redeemed for $200 cash back.<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Citi Custom Cash<sup>\u00ae<\/sup> Card<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong> Earn $200 in cash back after you spend $1500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou<sup>\u00ae<\/sup> points, which can be redeemed for $200 cash back.<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$0<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"hl\">Highlights<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">The Citi Custom Cash<sup>\u00ae<\/sup> Card offers a distinctive and flexible cash back program that adapts to your top spending category. Every billing cycle, it automatically grants 5% cash back on the first $500 in your highest spend category, which can range from restaurants, gas stations, and grocery stores to select streaming services, travel, transit, home improvement stores, fitness clubs, live entertainment, and drugstores. Beyond this, all other purchases earn an unlimited 1% cash back. Notably, there's no annual fee, adding to its appeal. The cash back you earn is in the form of ThankYou Points, which can be redeemed for cash back, or combined with rewards\u200b\u200b\u200b\u200b\u200b\u200b\u200b\u200b\u200b\u200b\u200b\u200b from other qualifying ThankYou Rewards cards and transferred to travel partners.<\/div><div class=\"qs-tab-hl\"><ul>\r\n<li>Sign-up bonus of $200 in cash back after you spend $1,500 on purchases in the first 6 months of account opening, issued as 20,000 ThankYou<sup>\u00ae<\/sup> Points<\/li>\r\n<li>5% cash back in your top eligible spend category on up to $500 of purchses each billing cycle<\/li>\r\n<li>No rotating bonus categories to sign up for--the top earning category adjusts automatically each month to the eligible category in which you spend the most.<\/li>\r\n<li>Excellent intro APR offer on purchases and balance transfers<\/li>\r\n<li>No annual fee<\/li>\r\n<\/ul><\/div><div class=\"qs-tab-er\"><ul>\r\n<li>Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent<\/li>\r\n<li>1% cash back thereafter, plus, you'll earn unlimited 1% cash back on all other purchases<\/li>\r\n<li>No rotating bonus categories to sign up for \u2013 as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.<\/li>\r\n<li>Eligible spending categories are: <I>Restaurants, Gas Stations, Grocery Stores, Select Travel, Select Transit, Select Streaming Services, Drugstores, Home Improvement Stores, Fitness Clubs and Live Entertainment.<\/i><\/li>\r\n<li><b><i>Special Travel Offer:<\/i><\/b> Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel<sup>\u2120<\/sup> portal.<\/li>\r\n<\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/CitiCustom\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-4-139c5833e3#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div>\n<h3><span id=\"Citi_Custom_Cash_5_categories\">Citi Custom Cash 5% categories<\/span><\/h3>\n<ul>\n<li><strong>Drugstores<\/strong><\/li>\n<li><strong>Fitness Clubs<\/strong><\/li>\n<li><strong>Gas Stations<\/strong><\/li>\n<li><strong>Grocery Stores<\/strong><\/li>\n<li><strong>Home Improvement Stores<\/strong><\/li>\n<li><strong>Live Entertainment<\/strong><\/li>\n<li><strong>Restaurants<\/strong><\/li>\n<li><strong>Select Streaming Services<\/strong><\/li>\n<li><strong>Select Transit<\/strong><\/li>\n<li><strong>Select Travel<\/strong><\/li>\n<\/ul>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/citi-thankyou-rewards\/citi-custom-cash\/\" rel=\"noopener\">Citi Custom Cash Card Review<\/a><\/strong><\/p>\n<h3><span id=\"Enrollment-2\">Enrollment<\/span><\/h3>\n<p>To enroll in the rotating categories for the Citi Custom Cash, you need to do&#8230;nothing! That's right. No enrollment is required. Citi will automatically take your top spending category and do all the work from there.<\/p>\n<h3><span id=\"Limits-2\">Limits<\/span><\/h3>\n<p>With the <a data-ccid=\"4048250\" href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-custom-cash\/\">Citi Custom Cash<\/a>, you can earn 5% cash back each quarter on your top eligible spend category. This 5% cash back is limited to $500 spent in your top bonus category each billing cycle.<\/p>\n<figure id=\"attachment_142165\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-142165 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/12\/Mikhail-Nilov-Pexels-couple-with-credit-card-featured-300x240.png\" alt=\"a couple sits on a couch reading info on a laptop while holding a credit card\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/12\/Mikhail-Nilov-Pexels-couple-with-credit-card-featured-300x240.png 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/12\/Mikhail-Nilov-Pexels-couple-with-credit-card-featured-768x614.png 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/12\/Mikhail-Nilov-Pexels-couple-with-credit-card-featured-325x260.png 325w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/12\/Mikhail-Nilov-Pexels-couple-with-credit-card-featured.png 1000w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Credit: Mikhail Nilov\/Pexels<\/em><\/enter><\/figure>\n<h2><span id=\"Discover_Cashback_Calendar\">Discover Cashback Calendar<\/span><\/h2>\n<p>The <a target=\"_blank\" href=\"\/news\/cash-back\/discover-cashback-calendar\/\" rel=\"noopener\">Discover 5% cash back calendar<\/a> is updated each quarter with a new set of merchants or purchase categories that earn additional rewards for Discover it<sup>\u00ae<\/sup> Cash Back cardholders.<\/p>\n<p>At first glance, the Discover it Cash card seems like your average cash-back card. However, it has one feature that truly sets it apart: Cashback Match. Discover will match all the cash back you earn in the first year, including the 1% earnings and 5% categories!<\/p>\n<p>If you max out the $1,500 in bonus spending each quarter, you\u2019ll receive $75 cashback per quarter \/ $300 per year. With Cashback Match, Discover will double that amount, leaving you with $600 and essentially making this 10% back on your bonus category spending in the first year.<\/p>\n<div class=\"qs-card\" data-id=\"2000151\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Discover it<sup>\u00ae<\/sup> Cash Back<\/div>\n                    <div class=\"qs-image\"><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"\/\/cdn.nextinsure.com\/imaging\/opt\/18ca107e-1f31-465e-b9e7-1b83fe89e492.png\" width=\"150\" alt=\"Discover it\u00ae Cash Back\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"qs-learn-more\" data-ccid=\"2000151\" href=\"https:\/\/awardwallet.com\/credit-cards\/cash-back\/discover-it-cash-back-review\/\">Learn More<\/a><\/div>\n                    <div class=\"qs-rates\"><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong>\r\nINTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Discover it<sup>\u00ae<\/sup> Cash Back<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong>\r\nINTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$0<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-er\"><ul>\r\n<li>5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate.<\/li>\r\n<li>Unlimited 1% cash back on all other purchases - automatically.<\/li>\r\n<\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/DiscoverCash\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-4-139c5833e3#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div>\n<h3><span id=\"Discover_it_Cash_5_categories\">Discover it Cash 5% categories<\/span><\/h3>\n<p>From <strong>April 1 to June 30<\/strong>, cardholders will get 5% in the following categories:<\/p>\n<ul>\n<li><strong>Restaruants<\/strong><\/li>\n<li><strong>Home improvement stores<\/strong><\/li>\n<\/ul>\n<figure id=\"attachment_253714\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"750\/521\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"size-medium wp-image-253714 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2026\/01\/Discover-5-Cash-Back-Calendar-Q2-2026-750x521.png\" alt=\"Discover cash back categories for Q1 2026\" width=\"750\" height=\"521\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2026\/01\/Discover-5-Cash-Back-Calendar-Q2-2026-750x521.png 750w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2026\/01\/Discover-5-Cash-Back-Calendar-Q2-2026-900x625.png 900w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2026\/01\/Discover-5-Cash-Back-Calendar-Q2-2026-768x533.png 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2026\/01\/Discover-5-Cash-Back-Calendar-Q2-2026.png 1337w\" sizes=\"(max-width: 750px) 100vw, 750px\" \/><center><em>Screenshot of Discover<\/em><\/enter><\/figure>\n<p><strong>Related: <a target=\"_blank\" href=\"\/news\/cash-back\/discover-cashback-calendar\/\" rel=\"noopener\">Discover's 5% Cash Back Calendar for 2026<\/a><\/strong><\/p>\n<h3><span id=\"Enrollment-3\">Enrollment<\/span><\/h3>\n<p>To activate the quarterly categories for the <a data-ccid=\"2000151\" href=\"https:\/\/awardwallet.com\/credit-cards\/cash-back\/discover-it-cash-back-review\/\" =_blank>Discover it Cash<\/a> card, you can go <a target=\"_blank\" href=\"https:\/\/www.discover.com\/credit-cards\/cash-back\/cashback-calendar.html\" rel=\"noopener\">here<\/a>. Enrollment opens up one month before the offer begins for that quarter. For example, for Q2 2026 &#8212; which started on April 1, 2026 &#8212; enrollment opened on March 1, 2026.<\/p>\n<h3><span id=\"Limits-3\">Limits<\/span><\/h3>\n<p>This card works much like the <a data-ccid=\"4048224\" href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/freedom-flex\/\" =_blank>Freedom Flex<\/a> card. You'll get 5% cash back on quarterly rotating bonus categories on up to $1,500 per quarter.<\/p>\n<h2><span id=\"US_Bank_Cash_Visa_Signature_Card\">U.S. Bank Cash+<sup>\u00ae<\/sup> Visa Signature<sup>\u00ae<\/sup> Card<\/span><\/h2>\n<p>The <a data-ccid=\"4048133\" href=\"https:\/\/awardwallet.com\/news\/cash-back\/us-bank-cash-plus-categories\/\">U.S. Bank Cash+<sup>\u00ae<\/sup> Visa Signature<sup>\u00ae<\/sup> Card<\/a> is a lesser-known card, but it can be a great addition to your cash-back strategy. In some aspects, this is one of the better rotating category cards due to the higher quarterly limit. You'll receive 5% cash back on your first $2,000 in combined eligible purchases \u2014 instead of the more typical $1,500.<\/p>\n<div class=\"qs-card\" data-id=\"4048133\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">U.S. Bank Cash+<sup>\u00ae<\/sup> Visa Signature<sup>\u00ae<\/sup> Card<\/div>\n                    <div class=\"qs-image\"><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/7dc4432f-019f-4848-a2da-ed81b74156f9.png\" width=150 alt=\"U.S. Bank Cash+\u00ae Visa Signature\u00ae Card\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"qs-learn-more\" data-ccid=\"4048133\" href=\"https:\/\/awardwallet.com\/news\/cash-back\/us-bank-cash-plus-categories\/\">Learn More<\/a><\/div>\n                    <div class=\"qs-rates\"><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong>\r\n$200 bonus after spending $1,000 in eligible purchases within the first 90 days of account opening.<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">U.S. Bank Cash+<sup>\u00ae<\/sup> Visa Signature<sup>\u00ae<\/sup> Card<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong>\r\n$200 bonus after spending $1,000 in eligible purchases within the first 90 days of account opening.<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$0<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"hl\">Highlights<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">The U.S. Bank Cash+<sup>\u00ae<\/sup> Visa Signature<sup>\u00ae<\/sup> Card delivers customizable cash back rewards, allowing cardholders to earn 5% cash back on the first $2,000 in combined eligible purchases each quarter in two categories of their choice, catering to individual spending habits. Additionally, there's a 2% cash back option on one everyday category, such as gas stations, grocery stores, or restaurants, and 1% on all other eligible purchases. Plus, earn 5% cash back on prepaid air, hotel, and car bookings through the Rewards Travel Center.<\/div><div class=\"qs-tab-hl\"><ul>\r\n<li>Earn a $200 bonus after spending $1,000 in eligible net purchases within the first 90 days of account opening.<\/li>\r\n<li>5% cash back on your first $2,000 in eligible net purchases each quarter on the two categories you choose, 5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Travel Center, 2% cash back on one everyday category (like gas or groceries), 1% cash back on all other eligible net purchases<\/li>\r\n<li>No annual fee<\/li>\r\n<\/ul><\/div><div class=\"qs-tab-er\"><ul>\r\n<li>5% cash back on your first $2,000 in eligible net purchases each quarter on the two categories you choose<\/li>\r\n<li>5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Travel Center<\/li>\r\n<li>2% cash back on one everyday category (like gas or groceries)<\/li>\r\n<li>1% cash back on all other eligible net purchases<\/li>\r\n<\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/USCashPlus\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-4-139c5833e3#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div>\n<h3><span id=\"US_Bank_Cash_Visa_5_categories\">U.S. Bank Cash+ Visa 5% categories<\/span><\/h3>\n<ul>\n<li><strong>Cell Phone Providers<\/strong><\/li>\n<li><strong>Department Stores<\/strong><\/li>\n<li><strong>Electronics Stores<\/strong><\/li>\n<li><strong>Fast Food<\/strong><\/li>\n<li><strong>Furniture Stores<\/strong><\/li>\n<li><strong>Ground Transportation<\/strong><\/li>\n<li><strong>Gyms\/Fitness Centers<\/strong><\/li>\n<li><strong>Home Utilities<\/strong><\/li>\n<li><strong>Movie Theaters<\/strong><\/li>\n<li><strong>Select clothing Stores<\/strong><\/li>\n<li><strong>Sporting goods Stores<\/strong><\/li>\n<li><strong>TV, internet & Streaming Services<\/strong><\/li>\n<\/ul>\n<figure id=\"attachment_143310\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"750\/422\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-143310 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/09\/US-Bank-Cash-Plus-categories-Q1-2024-300x169.png\" alt=\"US Bank Cash+ category options for 2024\" width=\"750\" height=\"422\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/09\/US-Bank-Cash-Plus-categories-Q1-2024-300x169.png 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/09\/US-Bank-Cash-Plus-categories-Q1-2024-1024x576.png 1024w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/09\/US-Bank-Cash-Plus-categories-Q1-2024-768x432.png 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/09\/US-Bank-Cash-Plus-categories-Q1-2024.png 1126w\" sizes=\"(max-width: 750px) 100vw, 750px\" \/><center><em>Credit: U.S. Bank<\/em><\/enter><\/figure>\n<p><strong>Related: <a target=\"_blank\" href=\"\/news\/cash-back\/us-bank-cash-plus-categories\/\" rel=\"noopener\">U.S. Bank Cash+<sup>\u00ae<\/sup> Visa Signature<sup>\u00ae<\/sup> Card 5% Category Choices for This Quarter<\/a><\/strong><\/p>\n<h3><span id=\"Enrollment-4\">Enrollment<\/span><\/h3>\n<p>Enroll in the <a data-ccid=\"4048133\" href=\"https:\/\/awardwallet.com\/news\/cash-back\/us-bank-cash-plus-categories\/\">U.S. Bank Cash+ Visa<\/a> categories by visiting your account <a target=\"_blank\" href=\"http:\/\/usbank.com\/cashplus\" rel=\"noopener\">here<\/a> and navigating to the &#8220;Choose Your Categories&#8221; option. Alternatively, you can call <strong>1-800-285-8585<\/strong> to activate your categories. You can enroll up to 45 days before the start of the upcoming quarter. Enrollment ends five days before the end of the current quarter (<strong>June 26, 2026<\/strong>).<\/p>\n<h3><span id=\"Limits-4\">Limits<\/span><\/h3>\n<p>5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories you choose.<\/p>\n<h2><span id=\"Citi_Dividend_Card\">Citi<sup>\u00ae<\/sup> Dividend Card<\/span><\/h2>\n<p>Just like the Freedom Card, this is another card that is no longer open to new applicants. Unfortunately, you can't complete a <a target=\"_blank\" href=\"\/credit-cards\/citi-product-change-rules\/\" rel=\"noopener\">Citi product change<\/a> to this card either. For those of you still holding onto the <a data-ccid=\"28\" href=\"https:\/\/awardwallet.com\/credit-cards\/cash-back\/citi-dividend-category\/\">Citi Dividend<\/a> card, here's what you need to know about its rotating category bonuses.<\/p>\n<div class=\"qs-card\" data-id=\"28\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Citi<sup>\u00ae<\/sup> Dividend Card<\/div>\n                    <div class=\"qs-image\"><img data-aspectratio=\"150\/95\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/01\/CardArt-CitiDividendCard.png\" width=\"150\" alt=\"Citi\u00ae Dividend Card\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"qs-learn-more\" data-ccid=\"28\" href=\"https:\/\/awardwallet.com\/credit-cards\/cash-back\/citi-dividend-category\/\">Learn More<\/a><\/div>\n                    <div class=\"qs-rates\"><\/div>\n                    <div class=\"qs-offer\"><strong>No Longer Open to Applications<\/strong><\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Citi<sup>\u00ae<\/sup> Dividend Card<\/strong>\n                    <div class=\"qs-offer\"><strong>No Longer Open to Applications<\/strong><\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$0<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-er\"><ul>\r\n<li>Earn 5% cash back in rotating categories every quarter (enrolment is mandatory each quarter)<\/li> \r\n<li>Earn 1% on all other eligible purchases<\/li>\r\n<li><em>*The card has an annual reward cap of $300<\/em><\/li>\r\n<\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/CitiDividend\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-4-139c5833e3#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div>\n<h3><span id=\"Citi_Dividend_5_categories\">Citi Dividend 5% categories<\/span><\/h3>\n<p>From <strong>April 1 through June 30, 2026<\/strong>, cardholders will earn 5% cash back at or on:<\/p>\n<ul>\n<li><b>Citi Travel (excluding air travel)<\/b><\/li>\n<li><strong>Grocery stores<\/strong><\/li>\n<\/ul>\n<figure id=\"attachment_251048\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"750\/406\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"size-medium wp-image-251048 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/12\/Citi-Dividend-2026-Q2-categories-750x406.png\" alt=\"Screenshot of Citi Dividend bonus categories for Q2 2026\" width=\"750\" height=\"406\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/12\/Citi-Dividend-2026-Q2-categories-750x406.png 750w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/12\/Citi-Dividend-2026-Q2-categories-900x488.png 900w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/12\/Citi-Dividend-2026-Q2-categories-768x416.png 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/12\/Citi-Dividend-2026-Q2-categories.png 1388w\" sizes=\"(max-width: 750px) 100vw, 750px\" \/><center><em>Screenshot of Citi<\/em><\/enter><\/figure>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/cash-back\/citi-dividend-category\/\" rel=\"noopener\">Citi<sup>\u00ae<\/sup> Dividend Card 5% Cash Back Activation and Eligible Categories<\/a><\/strong><\/p>\n<h3><span id=\"Enrollment-5\">Enrollment<\/span><\/h3>\n<p>You'll need to enroll each quarter to be eligible for the 5% bonus. To enroll your Citi Dividend, <a target=\"_blank\" href=\"https:\/\/www.citi.com\/credit-cards\/dividend-quarterly-offer\" rel=\"noopener\">go here<\/a>. Registration begins on the 15th of the last month of the previous quarter. This means enrolling for Q2 of 2026 opened on March 15, 2026.<\/p>\n<h3><span id=\"Limits-5\">Limits<\/span><\/h3>\n<p>The Citi Dividend limits cash back earnings to $300 <em>per year<\/em>. That's not just the cap on the 5% earnings but a total cap on cash-back earnings for the year. Thus, any 1% cash back you earn on the card counts toward this cap. But, unlike other rotating category cards, you can max out the spend all in one quarter if you'd like.<\/p>\n<h2><span id=\"Huntington_Voice_Rewards_Credit_Card\">Huntington Voice Rewards Credit Card\u2120<\/span><\/h2>\n<p>While virtually unheard of in the points and miles world, the <a data-ccid=\"106\" href=\"\/blog\/link\/HuntingtonVoice3XRewards\" rel=\"noopener nofollow sponsored\">Huntington Voice Rewards Credit Card\u2120<\/a> card is essentially a mix of the cards discussed above. This card is issued by Huntington National Bank and gives you 3X points per dollar spent in a category of your choosing. There are 10 different categories to choose from, and you can change your chosen category each quarter.<\/p>\n<p>With Huntington National Bank, each point is worth 1\u00a2. Earning 3X points is essentially a 3% cash back card in your chosen category.<\/p>\n<h3><span id=\"Huntington_Voice_Rewards_3X_categories\">Huntington Voice Rewards 3X categories<\/span><\/h3>\n<p>Here are the categories that can earn 3X points with the Huntington Voice Rewards card:<\/p>\n<ul>\n<li><strong>Auto Parts and Service Stores<\/strong><\/li>\n<li><strong>Department, Apparel, and Sporting Goods Stores<\/strong><\/li>\n<li><strong>Discount & Warehouse Stores<\/strong><\/li>\n<li><strong>Electronics, Computer, and Camera Stores<\/strong><\/li>\n<li><strong>Gas Stations<\/strong><\/li>\n<li><strong>Grocery Stores<\/strong><\/li>\n<li><strong>Home Improvement Stores<\/strong><\/li>\n<li><strong>Restaurants<\/strong><\/li>\n<li><strong>Travel and Entertainment<\/strong><\/li>\n<li><strong>Utilities & Office Supply Stores<\/strong><\/li>\n<\/ul>\n<figure id=\"attachment_203572\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"750\/464\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-203572 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/03\/HuntingtonVoiceCategories.png\" alt=\"Huntington Bank card bonus categories\" width=\"750\" height=\"464\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/03\/HuntingtonVoiceCategories.png 2448w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/03\/HuntingtonVoiceCategories-300x186.png 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/03\/HuntingtonVoiceCategories-1024x634.png 1024w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/03\/HuntingtonVoiceCategories-768x476.png 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/03\/HuntingtonVoiceCategories-1536x951.png 1536w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/03\/HuntingtonVoiceCategories-2048x1268.png 2048w\" sizes=\"(max-width: 750px) 100vw, 750px\" \/><center><em>Credit: Huntington Bank<\/em><\/enter><\/figure>\n<h3><span id=\"Enrollment-6\">Enrollment<\/span><\/h3>\n<p>You must enroll your card in the select category to be eligible for bonus earnings. To do so, sign in to your account and select your category <a target=\"_blank\" href=\"http:\/\/www.huntington.com\" rel=\"noopener\">here<\/a>.<\/p>\n<div class=\"page\" title=\"Page 3\">\n<div class=\"layoutArea\">\n<div class=\"column\">\n<p>After the first 30 days from account opening, you can change your 3X Rewards category up until 11:59 p.m. EST on the last day of the current quarter. Changes will only take effect once the next quarter begins. You do not have to change your categories if you don't want to. If you choose to keep the same category, then you do not need to do anything.<\/p>\n<p>The start dates of each quarter are as follows:<\/p>\n<div class=\"page\" title=\"Page 3\">\n<div class=\"layoutArea\">\n<div class=\"column\">\n<ul>\n<li><strong>1st quarter:<\/strong> January 1st<\/li>\n<li><strong>2nd quarter:<\/strong> April 1st<\/li>\n<li><strong>3rd quarter:<\/strong> July 1st<\/li>\n<li><strong>4th quarter:<\/strong> October 1st<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<figure id=\"attachment_132226\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-132226 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/10\/Featured_OlderWomanUsingACardAtARestaurant-Pixelfit-GettyImages-300x240.jpg\" alt=\"a person pays by credit card at an outdoor caf\u00e9\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/10\/Featured_OlderWomanUsingACardAtARestaurant-Pixelfit-GettyImages-300x240.jpg 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/10\/Featured_OlderWomanUsingACardAtARestaurant-Pixelfit-GettyImages-768x614.jpg 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/10\/Featured_OlderWomanUsingACardAtARestaurant-Pixelfit-GettyImages-325x260.jpg 325w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/10\/Featured_OlderWomanUsingACardAtARestaurant-Pixelfit-GettyImages.jpg 1000w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Credit: Pixelfit\/Getty Images<\/em><\/enter><\/figure>\n<h3><span id=\"Limits-6\">Limits<\/span><\/h3>\n<p>Cardholders of the <a data-ccid=\"106\" href=\"\/blog\/link\/HuntingtonVoice3XRewards\" rel=\"noopener nofollow sponsored\">Huntington Voice Rewards<\/a> can earn 3X points per dollar spent on the first $2,000 spent in the relevant category each quarter.<\/p>\n<h2><span id=\"Final_Thoughts\">Final Thoughts<\/span><\/h2>\n<p>Rotating category credit cards offer an easy and effective way to earn elevated rewards on purchases you might already be making. The trick is staying organized: know which card earns what and when \u2014 and don\u2019t forget to enroll, if required.<\/p>\n<p>While each of these cards has its own strengths, the Freedom Flex card stands out for many AwardWallet readers. That\u2019s because you can pair it with other Chase cards to unlock higher redemption rates through the <a target=\"_blank\" href=\"\/credit-cards\/chase-ultimate-rewards\/chase-travel-portal\/\" rel=\"noopener\">Chase Travel Portal<\/a> or by transferring to travel partners. With the right strategy, your 5% cash back could turn into far more value.<\/p>\n<p>Ready to make the most of Q2 2026? Pull out the right cards, keep your category limits in mind, and enjoy the extra earnings.<\/p>\n<div class=\"qs-card\" data-id=\"4048250\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Citi Custom Cash<sup>\u00ae<\/sup> Card<\/div>\n                    <div class=\"qs-image\"><img data-aspectratio=\"150\/95\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2021\/06\/cardart-citicustomcashcard.png\" width=\"150\" alt=\"Citi Custom Cash&lt;sup&gt;\u00ae&lt;\/sup&gt; Card\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"qs-how-apply\" data-ccid=\"4048250\" href=\"\/blog\/link\/CR-CitiCustomCashCard\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div>\n                    <div class=\"qs-rates\"><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong> Earn $200 in cash back after you spend $1500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou<sup>\u00ae<\/sup> points, which can be redeemed for $200 cash back.<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Citi Custom Cash<sup>\u00ae<\/sup> Card<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong> Earn $200 in cash back after you spend $1500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou<sup>\u00ae<\/sup> points, which can be redeemed for $200 cash back.<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$0<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"hl\">Highlights<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">The Citi Custom Cash<sup>\u00ae<\/sup> Card offers a distinctive and flexible cash back program that adapts to your top spending category. Every billing cycle, it automatically grants 5% cash back on the first $500 in your highest spend category, which can range from restaurants, gas stations, and grocery stores to select streaming services, travel, transit, home improvement stores, fitness clubs, live entertainment, and drugstores. Beyond this, all other purchases earn an unlimited 1% cash back. Notably, there's no annual fee, adding to its appeal. The cash back you earn is in the form of ThankYou Points, which can be redeemed for cash back, or combined with rewards\u200b\u200b\u200b\u200b\u200b\u200b\u200b\u200b\u200b\u200b\u200b\u200b from other qualifying ThankYou Rewards cards and transferred to travel partners.<\/div><div class=\"qs-tab-hl\"><ul>\r\n<li>Sign-up bonus of $200 in cash back after you spend $1,500 on purchases in the first 6 months of account opening, issued as 20,000 ThankYou<sup>\u00ae<\/sup> Points<\/li>\r\n<li>5% cash back in your top eligible spend category on up to $500 of purchses each billing cycle<\/li>\r\n<li>No rotating bonus categories to sign up for--the top earning category adjusts automatically each month to the eligible category in which you spend the most.<\/li>\r\n<li>Excellent intro APR offer on purchases and balance transfers<\/li>\r\n<li>No annual fee<\/li>\r\n<\/ul><\/div><div class=\"qs-tab-er\"><ul>\r\n<li>Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent<\/li>\r\n<li>1% cash back thereafter, plus, you'll earn unlimited 1% cash back on all other purchases<\/li>\r\n<li>No rotating bonus categories to sign up for \u2013 as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.<\/li>\r\n<li>Eligible spending categories are: <I>Restaurants, Gas Stations, Grocery Stores, Select Travel, Select Transit, Select Streaming Services, Drugstores, Home Improvement Stores, Fitness Clubs and Live Entertainment.<\/i><\/li>\r\n<li><b><i>Special Travel Offer:<\/i><\/b> Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel<sup>\u2120<\/sup> portal.<\/li>\r\n<\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/CitiCustom\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-4-139c5833e3#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div>\n","protected":false},"excerpt":{"rendered":"<p>A new calendar quarter has started! That means now is a great time to review the credit cards with quarterly rotating bonus categories. Here are the eligible categories and how to enroll to earn up to 5% (or 5X points) on eligible cards this quarter.<\/p>\n","protected":false},"author":53,"featured_media":117937,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_wpscppro_dont_share_socialmedia":null,"_wpscppro_custom_social_share_image":0,"_facebook_share_type":"default","_twitter_share_type":"default","_linkedin_share_type":"default","_pinterest_share_type":"default","_linkedin_share_type_page":"","_instagram_share_type":"default","_medium_share_type":"default","_threads_share_type":"default","_google_business_share_type":"default","_selected_social_profile":[],"_wpsp_enable_custom_social_template":false,"_wpsp_social_scheduling":{"enabled":false,"datetime":null,"platforms":[],"status":"template_only","dateOption":"today","timeOption":"now","customDays":"","customHours":"","customDate":"","customTime":"","schedulingType":"absolute"},"_wpsp_active_default_template":true},"categories":[12055],"tags":[12621],"coauthors":[36387,36400],"class_list":["post-22130","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","tag-earning-strategy"],"acf":[],"yoast_head":"<title>Credit Cards With Rotating Bonus Earnings: How to Earn 5% Back!<\/title>\n<meta name=\"description\" content=\"Take your points and miles strategy to the next level by earning 5% cash back (or 5X points) on these credit cards with a rotating bonus.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/awardwallet.com\/credit-cards\/quarterly-bonus-categories\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Earn 5% Back (or More) This Quarter Using These Credit Cards With Rotating Categories in Q2 2026\" \/>\n<meta property=\"og:description\" content=\"Take your points and miles strategy to the next level by earning 5% cash back (or 5X points) on these credit cards with a rotating bonus.\" \/>\n<meta property=\"og:url\" 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