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Cashback credit cards pay some amount at the time of purchase Money will be returned to your account, but they all reward you in different ways. Some offer flat cashback on everything you buy, while others offer higher rewards for specific purchases.

There is also a third group of cashback credit cards: cards with a rotating bonus category. %).

Below, we'll take a look at whether his three major issuers, Chase, Discover, and Citi, offer cashback credit cards in the bonus category. Read below for more information on the current bonus categories for these cards.

Chase 2023 rotation categories

The only Chase credit card (currently available for application) with a rotating bonus category is the Chase Freedom Flex℠. This card offers 5% cashback on bonus category purchases activated quarterly (up to $1,500 on purchase and 1% thereafter), 5% on Chase Ultimate Rewards travel purchases, Lyft rides 5% (until March 2025) and 3% for Get 1% back on restaurant and drugstore purchases and 1% on all other purchases.

Please note that the publisher publishes her one category at a time. So far, the Chase Freedom Flex 2023 bonus categories compared to the 2022 offering are:

Quarter Chase 2022 Category Chase 2023 Category
Q1: January to March
  • Groceries (Walmart and Target )
  • eBay
  • Target
  • Groceries (excluding Walmart)
  • Fitness Club and Gym Memberships
Q2: April to June
  • Choosing a Streaming Service
  • TBA
Q3: July to September
  • Gasoline Stand
  • Rental car
  • Select Entertainment
  • Music Theater
  • TBA
Q4: October-December
  • Walmart purchases
  • PayPal purchases
  • undecided

Discover 2023 rotation categories

Discover it® Cash Back, Discover it® Student Cash Back, and Discover it® Balance Transfer offer 5% Cash Back (after activation) on purchases up to $1,500 in categories that rotate quarterly, then 1% Cash Back Back, plus 1% cash back on all other purchases. purchase. All three cards also include a welcome his offer for his first year cashback match on Discover. For example, if he earns $300 cashback in his first 12 months of card ownership, Discover will award an additional $300.

Next quarter categories can be activated at any time during the current quarter. Registration for each quarter closes on the last day of the quarter.

Unlike years past, Discover now releases its categories quarterly at a time. Here's the Discover cashback calendar for 2023 so far, and the bonus categories for 2022 for comparison.

Quarters Discover categories for 2022 Find Categories for 2023
Q1: Jan-Mar
  • Groceries (excluding Walmart and Target)
  • Fitness clubs
  • Gym memberships
  • Grocery Store
  • Drug Store
  • Choosing a Streaming Service
Q2: April to June

  • Gas Station
  • Target
  • TBA
Q3: July to September
  • Restaurants
  • PayPal
  • undecided
4th Quarterly: October to December
  • Digital Wallets
  • undecided

Citi 2023 Rotating Categories

Citi no longer offers cashback cards with rotating categories each quarter. We used to offer the Citi Dividend Card*, which has since been discontinued.

Currently, the card most similar to the Citi Dividend Card is the Citi Custom Cash℠ Card. Custom Cash provides 5% cash back on your top spending category per billing cycle (up to $500 each billing cycle and 1% thereafter), plus 1% on all other purchases. This means you can get $25 back each billing cycle, $75 quarterly, or $300 annually.

The categories eligible for the 5 percent back are:

  • Restaurant
  • Gas Station
  • Grocery Store
  • Choose Travel and Transportation
  • Choose a Streaming Service
  • Drugstore
  • Home Improvement
  • Fitness Club
  • Live Entertainment


So, should you get a rotating category cashback card? , you can get lucrative rewards with this type of credit card. Additionally, currently available rotating category cash back cards do not charge an annual fee, so you won't be forced to spend enough to justify the card's cost.

Consider reading before calling to apply. Here is our list of the best cash back credit cards for 2022. You may find another option that better suits your spending style and needs.

*Information about the Citi Dividend Card is collected independently by .Card details are not verified or approved by the card issuer.