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5% Cash Back Calendar

Rotating 5% bonus categories by quarter for Chase Freedom Flex, Discover It, and Citi Dividend. Up to $1,500 in purchases per quarter, per card.

Chase Freedom Flex

Q1Jan – Mar
Must Activate
  • Grocery Stores
  • Drug Stores
Q2Apr – Jun
  • Gas Stations
  • EV Charging
Q3Jul – Sep
  • Restaurants
  • Select Streaming
Q4Oct – Dec
  • PayPal
  • Select Merchants

Discover It

Q1Jan – Mar
Must Activate
  • Grocery Stores
  • Drug Stores
Q2Apr – Jun
  • Restaurants
  • Home Improvement Stores
Q3Jul – Sep
  • Gas Stations
  • EV Charging
Q4Oct – Dec
  • Amazon.com
  • Walmart.com

Citi Dividend

Q1Jan – Mar
Must Activate
  • Grocery Stores
Q2Apr – Jun
  • Gas Stations
Q3Jul – Sep
  • Restaurants
Q4Oct – Dec
  • Department Stores

Reminder: You must activate bonus categories each quarter before making purchases — they don't turn on automatically. Activation is free and takes 30 seconds on the issuer's website or app. The 5% rate applies to the first $1,500 in combined purchases per quarter (then drops to 1%).

Categories shown are based on recent years and may change. Check each issuer's website for the latest quarterly categories.