The Best Credit Cards With Rotating Reward Categories

By Christina Majaski. Last updated 17 October 2019. 0 comments

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For most credit card users, flat rate rewards credit cards is the most convenient and efficient way to earn cash back or travel rewards. But savvy credit card users know that to get the most rewards, they must earn them through cards that offer bonus categories. Bonus categories give additional points on specific types of purchases, such as at restaurants or supermarkets.

(See also: Best Credit Cards for Grocery Shopping and Best Credit Cards for Dining at Restaurants)

Some cards rotate their bonus categories every quarter, which may seem confusing and troublesome, but the bonus rewards can be very high, which makes it worth the effort for rewards hunters.

Here are the best credit cards that have bonus categories that change from quarter to quarter, or that you can change on your own.

Chase Freedom®

The Chase Freedom® card lets you earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter and unlimited 1% cash back on all other purchases. You can also earn a $150 bonus after spending $500 on purchases in your first 3 months from account opening. There is no annual fee.

U.S. Bank Cash+ Visa Signature Card

The U.S. Bank Cash+ Visa Signature Card offers 5% cash back on your first $2,000 spent each quarter in combined purchases in two categories that you choose from a list of 12 including electronics stores, department stores, and select clothing stores. You also receive 2% cash back on your choice of one "everyday" category including gas stations, restaurants, and grocery stores. You have the opportunity to select different bonus categories each quarter and you always receive 1% cash back on your other everyday purchases. There is no annual fee.

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