Current Credit Card Bonus Categories: Discover, Chase Freedom, Citi Dividend

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Cards with perk classifications feature several of the highest possible credit card benefits rates offered.

  • Both Chase as well as Discover offer credit cards with 5% cash money back on approximately $1,500 in investing per quarter in bonus groups that change each quarter as well as 1% back on all other purchases. To get the perk money back, you need to decide in, or “turn on,” the classification each quarter.
  • A Citi charge card with comparable terms– the Citi®Dividend Card– is no longer offered to brand-new candidates. It pays 5% in turning bonus offer classifications that you trigger and also 1% on other purchases. There’s no quarterly costs limitation, but the complete money quantity of cash money back you can make in a year is covered at $300.

Previous years are listed below the present classifications, so you can see what’s been supplied in the past … and what could be again?

Current perk classifications on Discover cards

” EVEN MORE: NerdWallet’s finest Discover charge card

Existing Chase Freedom ® incentive classifications

” EVEN MORE: NerdWallet’s best Chase bank card

Existing Citi®Returns Card reward classifications

” MORE: NerdWallet’s ideal Citi bank card

Categories from previous years

2018 bank card benefit groups


  • Q1: Filling station as well as wholesale clubs
  • Q2: Supermarket
  • Q3: Restaurants
  • Q4: as well as wholesale clubs

Chase Flexibility ® 2018 BONUS CLASSIFICATIONS

  • Q1: Gas stations; net, cord and phone service; as well as purchases by means of Chase Pay, Apple Pay, Android Pay and also Samsung Pay.
  • Q2: Supermarket, PayPal, Chase Pay
  • Q3: Filling station, Lyft, Walgreens
  • Q4: Outlet store, wholesale clubs, Chase Pay

Citi ® Reward Card 2018 PERK GROUPS

  • Q1: Gasoline station, car rentals.
  • Q2: Residence Depot, residence furniture stores
  • Q3: Airlines, movies
  • Q4: Best Buy, outlet store

2017 bank card benefit categories

Discover cards 2017 benefit groups

  • Q1: Gas stations, ground transportation, wholesale clubs
  • Q2: Home improvement shops, wholesale clubs
  • Q3: Restaurants
  • Q4:, Target

Chase Flexibility ® 2017 bonus classifications

  • Q1: Filling station, local traveler transportation
  • Q2: Supermarket, drugstores
  • Q3: Restaurants, movie theaters
  • Q4: Walmart, outlet store


  • Q1: Home Depot, residence furniture stores
  • Q2: Drugstores, fitness clubs
  • Q3: Airlines, Hilton resorts
  • Q4: Best Buy, chain store

2016 bank card bonus groups

Discover cards 2016 benefit categories

  • Q1: Gas, ground transportation
  • Q2: Dining establishments, films
  • Q3: Home enhancement stores,
  • Q4:, outlet store, Sam’s Club

Chase Freedom ® 2016 reward groups

  • Q1: Filling station, regional commuter transportation
  • Q2: Food store, wholesale clubs
  • Q3: Dining establishments, wholesale clubs
  • Q4: Department stores, wholesale clubs


  • Q1: Residence Depot, residence furnishings stores
  • Q2: Pharmacies, health and fitness clubs
  • Q3: Car leasings, Hilton hotels
  • Q4: Best Buy, chain store

2015 credit card bonus groups

Discover cards 2015 reward categories

  • Q1: Gas, ground transportation
  • Q2: Restaurants, motion pictures
  • Q3: Residence enhancement shops, chain store,
  • Q4:, chain store, clothes shops

Chase Freedom ® 2015 bonus groups

  • Q1: Supermarket, theater, Starbucks
  • Q2: Dining Establishments, Bed Bath & & Beyond, H&M, Q3: Gasoline station, Kohl’s Q4:,
  • ,,
    (Note: In a special promo offered in 2015 just, the $1,500 quarterly limitation on spending eligible for incentive rewards was reset on Nov. 23, implying that Chase Liberty ® cardholders obtained a “fresh” $1,500 to spend for bonus offer money back. Further, from Nov. 23 to Dec. 31 of that year, investing gained 10% cash money back, instead of 5%.)


  • Q1: Macy’s, home furnishings shops
  • Q2: Residence Depot, residence as well as garden stores
  • Q3: Airlines, Hilton resorts
  • Q4: Best Buy, department stores

2014 bank card reward categories

Discover cards 2014 bonus classifications

  • Q1: Dining establishments, flicks
  • Q2: Residence renovation stores, furniture stores, Bed Bathroom & & Beyond
  • Q3: Filling station
  • Q4: Online shopping, department stores

Chase Liberty ® 2014 benefit classificationsQ1

  • : Grocery stores, cinema, Starbucks
  • Q2: Dining establishments, Lowe’s
  • Q3: Filling station, Kohl’s
  • Q4:,, select department stores


  • Q1: Macy’s, pharmacies, health and fitness clubs
  • Q2: Home Depot, residence furniture stores, house and yard
  • Q3: Cars and truck leasings, Hilton hotels, theme parks, theater
  • Q4: Finest Buy, department stores, toy shops