This Quarter's Bonus Categories (2021)

If you really want to optimize the rewards you earn from your spending, you can take advantage of some of our more advanced strategies.

By taking advantage of "pick your own category" cards, "rotating category" cards, and gift cards, you can earn 5-10% rewards on a chunk of your credit card spending. But it will take more effort than simply using a small collection of credit cards for different types of purchases.

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Freedom Flex Card Guide	Chase Freedom Flex Card. Earns 5x Ultimate Rewards on a rotating set of categories. If you have a Chase Sapphire or Ink Preferred Card, you can transfer these points to airline or hotel programs, providing a value of about 8.5 cents per dollar. No annual fee. You can eventually get multiple copies of this card by converting other Chase Ultimate Rewards cards.
Discover it Card Guide	Discover It Card. Earns 5% cashback on a rotating set of categories. But you’ll earn double the rewards during the first year. Discover cards aren’t accepted at every business, but that isn't very important for most of the merchants in most of its bonus categories. No annual fee.
Nusenda Reward Card Guide	Nusenda Credit Union Platinum Rewards Card. Earns 5% on up to $1,500 per quarter just like the Discover It Card, but without the first-year bonus. No annual fee.
ABOC Platinum Rewards Card Webpage	The ABOC Platinum Rewards Card. Earns 5x points on up to $1,500 per quarter. Points are worth 1 cent when redeemed for travel or a bit less when redeemed through other mechanisms. No annual fee and a $150 signup bonus ($1,200 initial spend).

Freedom Flex Card Guide	Chase Freedom Flex Card. Earns 5x Ultimate Rewards on a rotating set of categories. If you have a Chase Sapphire or Ink Preferred Card, you can transfer these points to airline or hotel programs, providing a value of about 8.5 cents per dollar. No annual fee. You can eventually get multiple copies of this card by converting other Chase Ultimate Rewards cards.
Discover it Card Guide	Discover It Card. Earns 5% cashback on a rotating set of categories. But you’ll earn double the rewards during the first year. Discover cards aren’t accepted at every business, but that isn't very important for most of the merchants in most of its bonus categories. No annual fee.
Nusenda Reward Card Guide	Nusenda Credit Union Platinum Rewards Card. Earns 5% on up to $1,500 per quarter just like the Discover It Card, but without the first-year bonus. No annual fee.
ABOC Platinum Rewards Card Webpage	The ABOC Platinum Rewards Card. Earns 5x points on up to $1,500 per quarter. Points are worth 1 cent when redeemed for travel or a bit less when redeemed through other mechanisms. No annual fee and a $150 signup bonus ($1,200 initial spend).

"Rotating category" cards
"Pick your category" cards
The Cash Card
Maximizing high reward rates with gift cards

Freedom Flex Card Guide	Chase Freedom Flex Card. Earns 5x Ultimate Rewards on a rotating set of categories. If you have a Chase Sapphire or Ink Preferred Card, you can transfer these points to airline or hotel programs, providing a value of about 8.5 cents per dollar. No annual fee. You can eventually get multiple copies of this card by converting other Chase Ultimate Rewards cards.
Discover it Card Guide	Discover It Card. Earns 5% cashback on a rotating set of categories. But you’ll earn double the rewards during the first year. Discover cards aren’t accepted at every business, but that isn't very important for most of the merchants in most of its bonus categories. No annual fee.
Nusenda Reward Card Guide	Nusenda Credit Union Platinum Rewards Card. Earns 5% on up to $1,500 per quarter just like the Discover It Card, but without the first-year bonus. No annual fee.
ABOC Platinum Rewards Card Webpage	The ABOC Platinum Rewards Card. Earns 5x points on up to $1,500 per quarter. Points are worth 1 cent when redeemed for travel or a bit less when redeemed through other mechanisms. No annual fee and a $150 signup bonus ($1,200 initial spend).