Cash Back Credit Cards: Rotating Categories 2012 January to March (5% Cash Back + Up to $200)
Who doesn’t like cash back? The following credit cards offer a hefty 5% cash back on rewards, but only in certain categories that rotate each quarter. Even though this may not seem like much, by keeping track of their promotions and using different cards smartly, I can easily rack up hundreds of dollars in additional rewards per year without otherwise changing my spending habits. None of these have an annual fee.
Here’s an update for the offers during the first quarter of 2012. Pretty good variety this quarter. If you had all three of these, you could put up to $1,500 of gas on the Discover, get 5% back on all your Amazon.com purchases from the Chase Freedom, and get 5% back on $1,500 in electricity, gas, water, garbage, cable TV, and cell phone bills from Citi Dividend.
Chase Freedom Visa – $200 Bonus Cash Back
Reward categories change quarterly.
From January 1 to March 31, you can earn 5% cash back on up to $1,500 spent in the following categories:
You must enroll each quarter at ChaseBonus.com, but it’s very quick. All other purchases earn 1% back, with no tiers or expiration of rewards. Currently, the Chase Freedom Visa has a promotion offering a $200 bonus cashback if you sign up and make just $500 in purchases in your first three months.
Citi® Dividend Platinum Select® Visa® Card – $100 Cash Back
Reward categories change quarterly. From January 1 to March 31, you can earn 5% cash back on
Health care is defined as merchants that provide examination, diagnosis and treatment of health-related conditions and includes services by licensed physicians or dentists, facilities that aid in diagnosis or treatment, and devices or corrective equipment for such treatment. Fitness clubs are defined as merchants that operate sports and recreation facilities requiring membership. Utilities are defined as providers of electric, gas power, water supply and refuse services, cable and satellite television and radio services, and wireless/telecommunications services.
After you get your card, you must enroll by logging into your account online or calling 1-800-231-0891. There is no cap on the 5% back, except for the $300 overall cap on all dividend rewards annually. All other purchases do earn a standard 1% with no tiers, and rewards do not expire as long as you have activity once every 12 months. Currently, the Citi Dividend Platinum Select has a promotion offering a $100 bonus cashback if you sign up and make just $500 in purchases in your first three months.
The Discover More Card
Reward categories change quarterly. From January 1 to March 31, you can earn 5% cash back on up to $1,500 spent in the following categories:
You must enroll online to activate the rewards each quarter. Discover card has a tiered cashback rate on other purchases (1% unlimited Cashback Bonus on purchases after your total annual purchases exceed $3000; purchases that are part of your first $3000 earn .25%.).
Don’t forget to also check out my list of the best cash back rewards credit cards, which include an American Express that gives 6% back on groceries and PenFed gas that gives 5% back on gas.
Related posts:
Cash Back Credit Cards: Rotating Categories 2012 January to March (5% Cash Back + Up to $200) from My Money Blog.
© MyMoneyBlog.com, 2012.
View full post on My Money Blog
Recent Blog Posts:
Popular Blog Posts:
Subscribe to our RSS