6 top rotating category credit cards

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Written by
Bill Gilman
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When it comes to cash back credit cards, those that offer rotating “bonus categories” are the most complicated, but can also be the most valuable.

In simplest terms, these cards have a base rewards rate cardholders will earn on any eligible purchase. However, they also offer bonus categories with a significantly higher cash back rate at certain times. These bonus categories usually change quarterly (every three months). In some cases, the card issuers choose the bonus categories for you, while you choose the category in others. Another format is that the category automatically adjusts based on your spending in a given billing cycle.

These bonus categories often offer 5% cash back on eligible purchases. With the right planning, your cash back on these cards can stack up quickly. There are certain rules you want to beware of, such as fees, “spending caps” and activation requirements that could impact your earning.

So, which rotating cash back cards stand out in a crowded marketplace? Our editors have done the research for you and put together the following list of the rotating category credit cards.

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Welcome Offer
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Rewards
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Annual Fee
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Credit Needed
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Welcome Offer
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Rewards
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Annual Fee
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Credit Needed
credit_score_needed

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Rewards
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Annual Fee
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Regular APR
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Credit Needed
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Citi is a CardRatings advertiser

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Welcome Offer
bonus_miles_full
Rewards
points_per_dollar
Annual Fee
annual_fees
Credit Needed
credit_score_needed

card_name

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card_name
 
Welcome Offer
bonus_miles_full
Rewards
points_per_dollar
Annual Fee
annual_fees
Credit Needed
credit_score_needed

card_name

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Welcome Offer
bonus_miles_full
Rewards
points_per_dollar
Annual Fee
annual_fees
Credit Needed
credit_score_needed

Featured Partner Cards:

Disclaimer:

The information in this article is believed to be accurate as of the date it was written. Please keep in mind that credit card offers change frequently. Therefore, we cannot guarantee the accuracy of the information in this article. Reasonable efforts are made to maintain accurate information. See the online credit card application for full terms and conditions on offers and rewards. Please verify all terms and conditions of any credit card prior to applying.

This content is not provided by any company mentioned in this article. Any opinions, analyses, reviews or recommendations expressed here are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any such company. CardRatings.com does not review every company or every offer available on the market.