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It’s that time of the year again to revisit the rotating bonus categories for the Chase Freedom, Discover It, and Citi Dividend. With the new quarter comes the time to review 2nd quarter rotating bonus categories for our rotating bonus credit cards, specifically the Chase Freedom, Discover It, and Citi Dividend card. I’ll go through each one and share the new card bonus categories.
Take advantage of these categories so you can apply the earnings to your next trip!
Wallet-Sized Cheat Sheet
Before we jump into the new bonus categories, I wanted to let you know that we put together a free wallet-sized cheat sheet that you can download and print. If you’re like me and can’t remember the categories, this should be helpful.
For the Chase Freedom card, we are ending the first quarter bonus categories of gas stations, internet, cable and phone providers, and mobile payments. Starting in April, you’ll earn 5% on at grocery stores, and for purchases using PayPal and Chase Pay. You’ll get the 5% bonus for up to $1500 of qualified spending.
This is great news for many reasons. One, a lot of us purchase groceries every week, so I know some of my normal spend will earn me bonus points. But I personally like the grocery store bonus category since you can often buy gift cards and other non-food items in the stores to take advantage of the extra bonus.
We did a video a while back on buying gift cards to maximize your bonus. I wouldn’t overdo it, as you don’t want to raise any flags with the issuers, but it can be a great way to earn extra points or cash, especially with Mother’s Day and Father’s Day during this quarter of the year.
Also, the PayPal and Chase Pay purchases cover a lot of different merchants. When checking out of many online stores, you can opt to pay with PayPal or Chase Pay, which will earn you the 5% bonus.
In fact, the bonus covers online, mobile, or in-app purchases, so it should make it easier to take advantage of this bonus category.
I know Chase Pay is new and a bit confusing, so we have created a Chase Pay tutorial on how to set it up and use it.
For the Discover card, we are ending the first quarter bonus category of gas stations and wholesale clubs and starting in April, you’ll earn 5% cash back on grocery stores.
Like the Chase Freedom card, this is a very lucrative bonus category as there are ways to get creative with your grocery spending. Also, the bonus is valid for up to $1500 of qualified spending.
Lastly, Citi Dividend users are ending the first quarter bonus category of gas stations and car rentals, and for quarter two 2018, will be receiving 5% at the Home Depot and home furnishing stores.
Keep in mind that home furnishing stores are classified as merchants that primarily sell furniture for homes, and do not include warehouse clubs, supercenters, and discount stores.
Also, the Citi Dividend card has a yearly award bonus cap of $300 per calendar year, which means that you’re not as restricted by a specific quarter’s bonus. You just need to track how much bonus you earn over the entire calendar year.
My Card Preference
Since the Chase Freedom and Discover It are offering the same bonus category, you might be wondering which card I’ll be using. For me, I’ll be using my Chase Freedom card first, since I prefer to earn Chase Ultimate Rewards points and can redeem them at 1.5 cents per points, which makes the overall earning rate for me more than 5%. If you want to know how I redeem points, check out our recent post/video on the topic.
Don’t Wait, Activate!
Make sure you log-in and activate the bonus for these cards. While you can wait until June 14th to activate your Chase Freedom bonus category since Chase will award the points retroactively, you’re better off doing it now before you forget. Unfortunately, Discover and Citi won’t award a bonus until you activate, so do it now so you don’t miss out!
How to Apply
I’ve included links to these cards below in case you’re interested in applying. As of March 2018, the Chase Freedom is offering a $150 bonus opening and Discover is offering a cashback match for an entire year, so it’s pretty lucrative. Also, in case you’re wondering about the Citi Dividend card, it’s no longer available for new applicants.
Credit Card Offers
If you’re interested in applying for any of the cards in this post, we encourage you to compare credit offers. We do get a commission if you use our link. It doesn’t cost you anything extra, but it helps us to continue building content for our site and channel.