Rewards Calendar
Quarterly 5% bonus categories — never miss a activation
Q2 2026
Apr — Jun
Current5%
Chase Freedom FlexChase
Gas StationsEV ChargingHome Improvement
Activation requiredCap: $1,500/quarterQ2 2026
5%
Discover it Cash BackDiscover
Gas StationsHome ImprovementIKEA
Activation requiredCap: $1,500/quarterQ2 2026
5%
Citi Custom CashCiti
Auto-detects your top spend category: Restaurants, Gas, Groceries, Travel, Transit, Streaming, Drugstores, Home Improvement, Fitness, Live Entertainment
Auto-detectedCap: $500/quarterEvery Month
5%
U.S. Bank Cash+U.S. Bank
Choose 2 categories: Utilities, TV/Internet/Streaming, Cell Phone, Gyms, Electronics, Fast Food, Furniture, Department Stores
Activation requiredCap: $2,000/quarterEvery Quarter
Tips for Maximizing Rotating Categories
- 1.Activate early — most cards require activation at the start of each quarter
- 2.Stack with portals — use shopping portals + rotating category for double dip
- 3.Buy gift cards — if a category matches (e.g., grocery = gift card purchases), stock up
- 4.Know the cap — most 5% categories cap at $1,500/quarter ($75 max bonus)