![]() Purchase a Hello Fresh meal plan and receive 5% back toward your next Hello Fresh purchase.Spend $20 at Fandango and receive a $5 Fandango Reward.Complimentary Shoprunner membership (one year).3% on dining at restaurants, which includes takeout and eligible delivery services.5% on travel purchased through Chase Ultimate Rewards.Your bonus category spend will be credited retroactively! Retroactive: If you forget to activate your bonus categories until later in the quarter, fear not.Announcement: Bonus categories for the upcoming quarter are announced approximately 15 days before the quarter begins.The activation period typically starts on the 15th day of the month prior to the upcoming quarter (i.e. Activation: You must activate the 5% cash back categories before generating rewards.Bonus categories change each quarter, with many categories showing up at least once per calendar year. How it works: Each quarter, Freedom Flex rolls out between 2-4 bonus categories, which will award 5% on the first $1,500 in purchases, for a maximum of $75 cash back per quarter (or $60 additional cash back considering the base cash back rate is 1%). Why? Because Freedom points can be upconverted to fully-fledged Ultimate Rewards points, thereby granting access to Chase’s travel partners, and their pretty awesome redemption rates (often way better than 1 pt = $0.01). Gift cards start at $5 and you may be subject to a 10% redemption bonus.įrom the detective’s desk: Freedom Flex pairs extremely well with Chase Sapphire Preferred or Chase Sapphire Reserve. For these options, 1 point = $0.01 except for Amazon which is $0.008, and there is no minimum redemption amount. Redeem for: Statement credits, direct deposits into a bank account, and purchases.Intro APR: 0% for 15 months from account opening on purchases, 15.24% – 23.99% after that.Welcome bonus: Spend $500 on purchases during the first 3 months from account opening and receive 20,000 points, which can be redeemed for $200 cash back as a statement credit or deposit into a linked bank account.Keep up with this page, because it’s updated anytime something changes, including when a credit card provider posts new bonus categories. A few helpful nuggets to help you max out rewards. ![]() Any associated welcome bonuses for new cardholders.If and when you need to activate bonus categories.A calendar of bonus categories for 2022, pending the card already posted them (some do, some do not).Historical bonus categories, to help you predict what a card may offer in the future.The following list provides essential information about the best bonus category credit cards and will help you take the first steps toward plotting out a winning cash back strategy. Bank Cash+ Visa Signature bonus categories Bank of America Cash Rewards bonus categories.Discover it Cash Back 5% bonus categories.If a card offers 5% cash back at Target this quarter and you haven’t seen the inside of one since it was cool to call it Tarjay, you’re out of luck.Īlso, the bonus multiplier typically only applies to the first $1,500 – $2,500 in purchases for that quarter, after which it drops to a pedestrian 1%. On the downside, you often won’t get to choose your bonus categories. You’ll never have to pay a dime for the privilege of having one of these cards, not in the first year, and not ever. The upside is that the bonus categories can award as much as 5% cash back, which for a card with no-annual-fee, is otherworldly.įrom the detective’s desk: All of the rotating credit cards featured on Value Sleuths come stamped with a $0 annual fee. For instance, a card may offer increased cash back on gas and streaming services starting in January, only to shift its bonus categories to wholesale clubs and home improvement stores come April, and then to groceries and utilities in July. These little treasures offer increased cash back on select purchases, which usually rotate quarterly. Credit cards with bonus categories are the logical next step. If you really want to up your credit card game, then it might be time to move beyond simple flat-rate credit cards.
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