PSA: Activate Your 5% Bonus Categories for 2019 Q2 Now!

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2019.3 Update: 2019 Q2 (Apr May Jun) categories are released!

Many of you have credit cards that earn 5% back on bonus categories that rotate quarterly. If you are a Chase FreedomDiscover ItCiti Dividend, or US Bank Cash Plus cardholder, use the links provided below to activate your bonus categories indicated below:

1. Chase FreedomGrocery Stores and Home Improvement Stores

The Chase Freedom has a quarterly cap of $1,500 in spend on 5x categories per account.

2. Discover it: Gas Stations, Uber and Lyft

Discover has released the categories for the whole year. The Discover it has a quarterly cap of $1,500 in spend on 5% categories. Remember that all new Discover it cardholders will earn double cash back earned in the first 12 months of card membership, including on cash back earned in bonus categories, making quarterly category spend worth 10% cash back in the first year!

3. Citi Dividend: Drugstores and Fitness Clubs

The Citi Dividend earns 5% cash back on a cumulative total of $6,000 in spend per year rather than on $1,500 spend per quarter. The Citi Dividend is no longer available for signups, but you can product change other Citi accounts to it once those accounts are at least 1 year old.

4. US Bank Cash Plus

The US Bank Cash+ card allows you to earn 5% cash back in two categories of your choice every quarter, up to $2,000 in combined spend. It also allows you to choose a 2% cash back category every quarte. The image below shows which categories are available for 2% (left) and 5% (right) cash back.


Appendix: Historical 5% Categories by Year

Click the card name to expand:

Chase Freedom

Chase Freedom 2018

Chase Freedom 2017

Chase Freedom 2016

Chase Freedom 2016

Chase-Freedom-2015

Chase Freedom 2015

Chase Freedom 2014

Chase Freedom 2014

Discover it

Discover it 2018

Discover it 2017

Discover it 2016

Discover it 2016

Discover it 2015

Discover it 2015

Discover it 2014

Discover it 2014

Citi Dividend

Citi Dividend 2018

Citi Dividend 2017

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Citi Dividend 2016

Citi Dividend 2015

Citi Dividend 2015

Citi Dividend 2014

Citi Dividend 2014


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