With many credit cards in your wallet, keeping track of the best earning rates for each category is vital. 5% is usually as good as it gets. There’s several credit cards out there that offer 5% on quarterly rotating categories.
Now that the second quarter of 2019 is almost upon us, here’s a helpful list that will let you know where to maximize rewards from these six credit cards:
- Chase Freedom (5X Ultimate Rewards points on $1,500 per quarter) – Link to activation
- Discover it (5% cashback on $1,500 per quarter) – Link to activation
- ABOC Platinum Rewards (5x points on $1,500 per quarter)
- Citi Dividend (5% on up to $6,000 spend for the whole year, on rotating quarterly categories) – Link to activation
- US Bank Cash+ (5% cashback on $2,000 per quarter) – Link to activation
- Vantage West Card (5% on $1,500 per quarter)
5% Calendar for Q2-2019
| Card | Drugstores | Grocery | Gas Stations | Uber/Lyft | Fitness Clubs | Home Improvement |
|---|---|---|---|---|---|---|
| Discover it | ✓ | ✓ | ||||
| Chase Freedom | ✓ | ✓ | ||||
| ABOC Platinum | ✓ | |||||
| Citi Dividend | ✓ | ✓ |
- US Bank Cash Plus Card lets you choose 2 of the following categories:
- TV, Internet, and Streaming Services
- Home utilities
- Select clothing stores
- Cell phone providers
- Electronic Stores
- Gyms/Fitness
- Fast food
- Ground Transportation
- Sporting goods
- Department Stores
- Furniture Stores
- Movie theaters
- Vantage West Visa Card lets you choose 1 of the following categories:
- Travel
- Restaurants
- Utilities [water, cell, electric, etc.]
- In-Store Wholesale Purchases [Costco, Sam’s Club, etc.]
- Department Stores
- Hardware & Home Improvement Stores
- Charitable Organizations
- Pharmacies & Drug Stores
- Amazon.com
Guru’s Wrap-up
Drugstores, groceries and gas stations are probably some of the most liked categories since you can purchase gift cards at many of those locations. Citi Dividend, Chase Freedom and Discover each offer one of those categories on Q2 2019.
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