5percentbackActivation open for 3rd Quarter 2021. The credit cards below offer up to 5% cash back on specific categories that rotate each quarter. It takes a little extra attention, but it can add up to hundreds of dollars in additional rewards per year without changing your spending habits. You can also buy gift cards at places with 5% back now but spend the gift cards later. New cardmembers may also get an upfront sign-up bonus.

Chase Freedom Flex Card

From July 1st through September 30th, 2021 you can earn 5% cash back on up to $1,500 spent in the following categories:

  • Grocery Stores (excludes Target and Walmart)
  • Select Streaming Services (includes Disney+, Hulu, ESPN+, Netflix, Sling, Vudu, Fubo TV, Apple Music, SiriusXM, Pandora, Spotify YouTube TV)

Enroll each quarter online in your Chase account or at ChaseBonus.com. As long as you activate by September 14th, the rewards are retroactive. Technically, you earn Ultimate Rewards points which can also be converted to airline miles or hotel points instead of cash if you have a Chase Sapphire Preferred or Chase Sapphire Reserve card. Currently, the Chase Freedom Flex card is offering new applicants $200 if you sign up and make $500 in purchases in your first three months. No annual fee.

Discover it 14 ImageDiscover it Card

From July 1st through September 30th, 2021 you can earn 5% cash back on up to $1,500 spent in the following categories:

  • Restaurants
  • PayPal

Enroll after logging into your online account (look on the right-hand side). 5% rewards won’t apply until after you activate your rewards, so it is best to activate now before you forget. No annual fee.

New cardmember bonus details. If you are a new applicant and sign up via my Discover Card referral link, you will get a $50 Cashback Bonus after your first purchase within 3 months of being approved. You will also get Cashback Match for an entire year – a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically. During those 12 months, your 5% cash back rewards becomes 10% cash back, and your 1% cash back rewards become 2% cash back. You can verify this on the application by looking under “Terms and Conditions” or searching for “cashback match” and “statement credit offer”:

Cashback Match: We’ll match all the cash back rewards you’ve earned on your credit card from the day your new account is approved through your first 12 consecutive billing periods or 365 days, whichever is longer, and add it to your rewards account within two billing periods.

TERMS OF STATEMENT CREDIT OFFER: You will receive a $50 Statement Credit after making a purchase that posts to your account within three months of account opening. You must apply through your friend’s referral link and be approved by December 31, 2021 in order to be eligible for the $50 Statement Credit offer. Offer may not be combined with any other introductory offer. Promotional award will be applied within 8 weeks.

American Express Blue Cash Preferred Card.

  • 6% cash back at US supermarkets all year long (on up to $6,000 per year)
  • 6% cash back at select US streaming subscriptions (includes Disney+, Hulu, ESPN+, Netflix, Sling, Vudu, Fubo TV, Apple Music, SiriusXM, Pandora, Spotify, YouTube TV, and more).
  • 3% cash back at US gas stations and transit (taxis/rideshare, parking, tolls, trains, buses and more).

I use this card all year long for groceries and put all my streaming services on it, and then in December use up the $6k annual limit on gift cards bought in the supermarket aisle. New cardholders are also eligible for a welcome offer. See details in link.

U.S. Bank Cash+ Visa Signature Card. You get to choose the two 5% cash back categories every quarter, out of a preset selection of specific categories:

  • Fast Food
  • Cell Phone Providers
  • Home Utilities
  • Ground Transportation
  • Select Clothing Stores
  • Electronics Stores
  • Car Rentals
  • Gyms/Fitness Centers
  • Sporting Goods Stores
  • Department Stores
  • Furniture Stores
  • Movie Theaters
  • TV, Internet, and Streaming Services

Unfortunately, you can’t pick a broad category like gas stations, restaurants, or grocery stores. Make sure to choose your categories each quarter, even if you want them to stay the same. If you do not choose your categories, all purchases revert to only earning 1% cash back for that quarter. No annual fee.

Amazon Prime Rewards Card. Earn 5% back at Amazon.com and Whole Foods all year long. Prime membership required. New cardholder bonus varies by person. No annual fee.

There are also additional promotions during Amazon Prime Day and also throughout the year. Check at Chase.com/MyBonus for a targeted offer. Here’s what I just got:

From 5/15/21 to 8/15/21, you’ll earn a total of 5% Back for every $1 you spend on travel purchases and at gas stations on up to $1,500 in total combined purchases with your Amazon Prime Rewards Visa Signature® card.*

ABOC Platinum Rewards Card (no longer available to new applicants)

From July 1st through September 30th, 2021 you can earn 5x rewards on up to $1500 in combined purchases this quarter in the following categories:

  • Travel (includes qualifying airline, cruise, car rental, hotel, travel agency purchases, gas, tolls, and ride share purchases)

You must register each quarter at ABOCRewards.com or in your online account. The ABOC Platinum Rewards Mastercard no longer accepting new applications.

Citi Custom Cash Card. The eventual successor to the card below, this card offers 5% cash back on your top eligible spending category up to $500 spent each month. The maximum amount of $500 per month is less than the $1,500 per month of many cards above, but the category shifts according to your spending. You could, for example, only use this card for gas all year long.

Citi Dividend Card. This card is also no longer available to new applicants, but if you still have the grandfathered card you can view and activate your quarterly 5% category here. Limit of $300 cash back for the calendar year.

Don’t settle for the “1% on everything else” that these cards offer. Get 2% cash back or higher. Check out the card-specific reviews for details.

“The editorial content here is not provided by any of the companies mentioned, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone. This email may contain links through which we are compensated when you click on or are approved for offers.”

5% Cash Back Cards: Grocery Stores, Restaurants, PayPal, Streaming Services – July through September 2021 from My Money Blog.


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