How cash back credit cards with roatating categories work
Cash back credit cards with rotating rewards categories become very popular today.
They offer up to 5% cash back in many bonus categories which rotate quarterly. As a cardholder
you usually need to sign up for the rewards each quarter, but it's absolutely free and takes you just a few minutes.
Rotating reward categories designed according to the seasons so you can get the maximum from the rewards.
There are many reward categories such as gas, restaurants, home improvement or department store, hotels, airfare and more.
Two-to-four categories are included for cash back rewards. With a few bonus categories in a quarter you can earn even more cash rewards.
How to save the most
I personally have two cash back credit cards with rotating
reward categories from Chase vs Discover. And both cards work great for me.
When I make a purchase I use a card that will give me the greatest reward. For example when Discover card offers
rewards on dining I
use it for paying at the restaurants. At the same quarter my Chase credit card can offer let's say
travel rewards, so I use it for
booking hotels and airfare. Knowing benefits and rewards of your credit card, making payments on time you can make big savings!
Rotating cash back rewards or regular rewards
Credit cards with cash back rewards in specific category (grocery, travel and so on) can also make a big difference in your
spending and save you a few hundred dollars. But in this case you need to choose a card with rewards that will fit your life.
If you don't travel then credit card with
hotel rewards or air miles rewards would be useful for you at any time of the year. Or if you don't have
a car then
gas rewards credit card wouldn't save you money even if you properly use it, make payments on time and
do net overspend.
Flexibility of credit cards with rotating categories
Variety of bonus categories gives cardholders more flexibility in earning rewards. Another very attractive feature of these cards
that rewards are never expired and you take them as a cash, gift cards, redeem towards special concerts or sport events, travel through
your online account.
We recommend
cash back credit cards with rotating categories for people who would like to take advantage of cash back rewards
program and save on everyday purchases in every aspect of their life.
The article was updated on 03/14/2012.
Some information may have changed since that date. We strongly suggest that you carefully read the
Terms and Conditions statement that accompanies credit card applications.