This Quarter's Bonus Categories (2021)

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  Easily Earn Points for Free TravelBoost your rewards with "Pick Your Own Category", "Rotating Category", and Gift Cards

Q4 2021 is underway. Make sure to activate for this quarter's categories. More details about the quarter's categories are available on the activation pages.

For information and tips about using these cards to optimize the rewards you earn on your spending, make sure to look at our Advanced Bonus Category Optimization guide.

PayPal and Walmart.  PayPal is probably the easiest category of the year. You can pay via PayPal on many websites, or use it for taxes and charities. If you add your card to PayPal Key, you should be able to use it almost everywhere online. Remember that the promotion doesn't cover regular person-to-person payments. Another good option this quarter is to purchase gift cards at Walmart.

You'll get credit for charges made before you register, but there is no reason to hold off. Activation Webpage.

Amazon,, Perfect for the holidays, although many people are already earning 5% back at Amazon and Target (although not the 10% back you'd earn during your Discover card's first year. All three stores sell a wide variety of gift cards.

You'll only earn bonus rewards on purchases that are made after you activate each quarter. Activation Webpage

Restaurants & BestBuy. Hopefully, you already maxed out your annual cap with groceries or another category, as you likely already have good options for restaurants and you may not have things you want at BestBuy.

You'll only earn bonus rewards on purchases that are made two or more days after you activate. Activation Webpage.

Retail stores (in-person or online), Restaurants. Should be easy to maximize with organic shopping or gift cards.

Activating the U.S. Bank Cash+ Card


Unlike the other "pick your own category" cards, you need to re-activate the categories on the Cash+ card every quarter. Any spending made that quarter before activation won't earn bonus rewards. Activation Webpage.

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