Update 7/1/25: Just a quick reminder that these new 5% spending categories are now live.
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Chase Freedom and Freedom Flex, Discover It, US Bank Cash+ and Citi Dividend cards which have rotating quarterly categories that earn 5% back have opened registration for Q3 2025.
Here’s the details of each card’s categories from July 1 to September 30, 2025, along with links to activate the bonuses.
Chase Freedom & Freedom Flex
Bonus Categories
- Gas Stations
- EV Charging
- Instacart
- Select Live Entertainment
- Live in-person entertainment such as major sporting events, zoos and aquariums, concerts, theatrical productions, museums, tourist attractions and exhibits, amusement parks, circuses, carnivals, bands, and entertainers. Ticket agencies selling on behalf of the entertainment venue are included. Some merchants that sell tickets for in-person entertainment are not included in this category; for example, movie theaters, bowling alleys, horse racing tracks, casinos, and dance hall/clubs. Purchasing from a hotel/concierge is not included nor excursions or purchases as part of a travel package.
Bonus Amount / Limit
- 5% cashback on up to $1,500 spend in combined purchases of this quarter’s categories
Discover
Bonus Categories
- Gas Stations & EV Charging
- Public Transit
- Utilities
Bonus Amount / Limit
- 5% cashback on up to $1,500 in purchases
Citi Dividend
Bonus Categories
- Gas Stations
- Home Improvement Stores
Bonus Amount / Limit
- 5% cashback on up to $6,000 in purchases per year
US Bank Cash+
Bonus Categories
Choose two of the following:
- Home Utilities
- Electronics Stores
- Sporting Goods Stores
- Ground Transportation
- TV, Internet & Streaming (this replaced Car Rentals)
- Department Stores
- Select Clothing Stores
- Gyms/Fitness Centers
- Furniture Stores
- Cell Phones
- Fast Food
- Movie Theaters
Bonus Amount / Limit
- 5% cashback on your first $2,000 in combined net purchases in your chosen 5% categories
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From experience last year, (for me anyway) live entertainment included Disney and Universal yearly passes.
Data point on passes, even though I bought them in June, the start of the yearly pass is the first day you use them, which in my case was August.
They are all gas? Annoying…
All gas, no brake!
Do you think gift cards bought directly from Instacart will be at 5x? I have 3x freedom flexes in the household and use instacart religiously. Would be great to stock up on credits at 5x.
The instacart Freedom category is super annoying/useless because courtesy of Chase’s couponization I now have six (!) monthly instacart credits across various cards. So I wouldn’t pay with my Freedom until I’ve used all those (which I never do).