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

Q1 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.

Wholesale Clubs, Internet, cable, and phone services, Select streaming services.  Many people will want to continue to pay their mobile bill with a card that provides free cell protection. If you switch any subscription services to your Freedom Flex, make sure to switch back at the end of the quarter, and consider paying for at least April's bill a little early.

All the warehouse clubs sell a variety of 3rd party gift cards and you can buy the club's own gift cards to use later in the year. Unlike the older Freedom Card, the Freedom Flex is a Mastercard and can't be used in-store at Costco, but it can be used on Costco online. If you want to shop in-store, you could use the Freedom Flex to buy a Costco gift card online and then use that in the store.

You can activate retroactively until mid-March. Activation Webpage

Grocery stores, Walgreens and CVS. These should be relatively easy categories. You can always stock up on extra items towards the end of the quarter or purchase gift cards. Groceries bought at Walmart and Target don't count, with the exception of Walmart pickup and delivery purchases.

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

Discover has already announced their complete 2021 schedule: Apr -Jun: Gas stations, wholesale clubs, and select streaming services. Jul - Sep: Restaurants and PayPal. Oct - Dec: Amazon,, and

Amazon, Select streaming services. Streaming services overlaps with the Chase cards. Amazon is an easy category and also sells a very wide variety of gift cards, including their own gift cards for use later in the year. Unfortunately, there is a good chance you already have one of several cards that already earn 5% at Amazon.

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

Groceries, Gas. These are both easy categories to use, however there is a good chance that you are already have other cards that earn good bonus rewards for these categories.

Nusenda has had the same schedule every year: Apr - Jun: Movies, Restaurants, Home Improvements. Jul - Sep: Gas, Education. Oct - Dec: Restaurants, Hotels, Airfare.

Groceries, Fitness Clubs, Hospitals, Pharmacies. If you use for your Fitness Club, make sure to switch back at the end of the quarter and consider prepaying at least April's bill. Groceries are an easy category, but there is a good chance you already have another card that earns good grocery rewards. Hopefully, you won't have a chance to use the Hospital Category.

Once you set up your card, you are automatically enrolled for every quarter's bonus categories. Category Details

ABOC has already released their complete 2021 schedule: Apr - Jun: Home Improvement, Gardening, and major Online Retailers. Jul - Sep: Travel. Oct - Dec: Groceries, Food Delivery Services, Liquor Stores,

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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