{"id":249631,"date":"2026-07-01T19:00:12","date_gmt":"2026-07-01T19:00:12","guid":{"rendered":"https:\/\/entertainment.runfyers.com\/index.php\/2026\/07\/01\/quarterly-credits-and-categories-what-to-know-for-q3-2026-the-points-guy\/"},"modified":"2026-07-01T19:00:12","modified_gmt":"2026-07-01T19:00:12","slug":"quarterly-credits-and-categories-what-to-know-for-q3-2026-the-points-guy","status":"publish","type":"post","link":"https:\/\/entertainment.runfyers.com\/index.php\/2026\/07\/01\/quarterly-credits-and-categories-what-to-know-for-q3-2026-the-points-guy\/","title":{"rendered":"Quarterly credits and categories: What to know for Q3 2026 &#8211; The Points Guy"},"content":{"rendered":"<p> <br \/>\n<\/p>\n<div>\n<p>Quarterly benefits are among the more challenging <span><a href=\"https:\/\/thepointsguy.com\/credit-cards\/7-unique-card-perks\/\" target=\"_blank\" rel=\"noopener\">credit card perks<\/a><\/span> to keep up with.<\/p>\n<p>When it comes to quarterly <span><a href=\"https:\/\/thepointsguy.com\/credit-cards\/forgettable-statement-credits-checklist\/\" target=\"_blank\" rel=\"noopener\">statement credits<\/a><\/span>, you have three months to use them up before they expire. With quarterly bonus categories, you have to memorize a new set in each quarter to ensure you&#8217;re getting the best return for your <span><a href=\"https:\/\/thepointsguy.com\/credit-cards\/everyday-spending\/\" target=\"_blank\" rel=\"noopener\">spending<\/a><\/span>.<\/p>\n<p>These are the perks you&#8217;ll want to remember from July through September 2026. Bookmark this article, and come back in October when Q4 begins.<\/p>\n<h2 class=\"jsx-2362441780\">American Express<\/h2>\n<p>There are a few <span><a href=\"https:\/\/thepointsguy.com\/credit-cards\/amex-platinum-use-credits-before-end-quarter\/\" target=\"_blank\" rel=\"noopener\">Amex cards with quarterly benefits<\/a><\/span> you&#8217;ll want to take advantage of. Here&#8217;s what to know.<\/p>\n<h3>The Business Platinum Card from American Express<\/h3>\n<p><span data-article-product-link=\"\" class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b\"><a href=\"https:\/\/thepointsguy.com\/oc\/7758?name=The Business Platinum Card\u00ae from American Express&amp;pid=7758?tid=post\" rel=\"noreferrer nofollow noopener\" target=\"_blank\" class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b applyLink inherit\">The Business Platinum Card\u00ae from American Express<\/a><\/span> has two statement credits that reset each quarter. These help offset the Business Platinum&#8217;s <span><a href=\"https:\/\/thepointsguy.com\/credit-cards\/is-amex-business-platinum-worth-fee\/\" target=\"_blank\" rel=\"noopener\">$895 annual fee<\/a><\/span> (see <span><a href=\"https:\/\/thepointsguy.com\/tc\/7758?pid=7758&amp;name=The%20Business%20Platinum%20Card%C2%AE%20from%20American%20Express&amp;data-testid=ratesFees\" target=\"_blank\" rel=\"noopener\">rates and fees<\/a><\/span>).<\/p>\n<ul>\n<li><strong>Up to $90 statement credit per quarter (up to $360 per calendar year) for eligible Indeed purchases in the U.S.<\/strong>: Business owners can use this statement credit toward subscription plans, sponsored job posts, advertisements on the platform and more.<\/li>\n<li><strong>Up to $50 statement credit per quarter (up to $200 per calendar year) for eligible Hilton purchases<\/strong>: This statement credit can be used for any eligible purchase at a property in the Hilton portfolio. Note that you must be registered in the Hilton for Business program to participate.<\/li>\n<\/ul>\n<p><em>Enrollment is required for select benefits.<\/em><\/p>\n<p>To learn more, read our <span><a href=\"https:\/\/thepointsguy.com\/reviews\/amex-business-platinum-card-review\/\" target=\"_blank\" rel=\"noopener\">full review of the Amex Business Platinum<\/a><\/span>.<\/p>\n<figure class=\"jsx-3874346954 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-2453190082 full-width-auto-height-image\"><\/div><figcaption class=\"jsx-3874346954 figcaption\">HINTERHAUS PRODUCTIONS\/GETTY IMAGES<\/figcaption><\/figure>\n<h3>American Express Platinum Card<\/h3>\n<p>With the <span data-article-product-link=\"\" class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b\"><a href=\"https:\/\/thepointsguy.com\/oc\/22504813?name=American Express Platinum Card\u00ae&amp;pid=22504813?tid=post\" rel=\"noreferrer nofollow noopener\" target=\"_blank\" class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b applyLink inherit\">American Express Platinum Card\u00ae<\/a><\/span>, there are a pair of quarterly statement credits that help <span><a href=\"https:\/\/thepointsguy.com\/credit-cards\/is-amex-platinum-worth-fee\/\" target=\"_blank\" rel=\"noopener\">offset its $895 annual fee<\/a><\/span> (see <span><a href=\"https:\/\/thepointsguy.com\/tc\/22504813?pid=22504813&amp;name=American%20Express%20Platinum%20Card%C2%AE&amp;data-testid=ratesFees\" target=\"_blank\" rel=\"noopener\">rates and fees<\/a><\/span>).<\/p>\n<div class=\"EmailSignUp_container__YVxAW tw-border tw-border-gray-2\"><picture class=\"tw-flex tw-items-center tw-justify-center tw-opacity-0\"><source media=\"(max-width: 767px)\" srcset=\"\/images\/EmailSignUp\/daily-mob.svg\"\/><img decoding=\"async\" alt=\"\" src=\"https:\/\/thepointsguy.com\/images\/EmailSignUp\/daily-dt.svg\"\/><\/picture>\n<div class=\"EmailSignUp_form__xvcP4\">\n<p>Reward your inbox with the TPG Daily newsletter<\/p>\n<p>Join over 700,000 readers for breaking news, in-depth guides and exclusive deals from TPG\u2019s experts<\/p>\n<form class=\"jsx-606422965 newsletter-form\">\n<div class=\"jsx-606422965 EmailCapture_confirmation__AJ4nI EmailCapture_noCheckbox__2BHzb   &#10;          \">\n<p class=\"tw-text-xs-regular !tw-text-gray-5 hover:!tw-text-gray-5 tw-max-w-lg\">By signing up, you will receive newsletters and promotional content and agree to our<!-- --> <a class=\"!tw-text-gray-5 hover:!tw-text-gray-5\" href=\"https:\/\/thepointsguy.com\/terms-of-use\/\" target=\"_blank\" rel=\"noopener\">Terms of Use<\/a> <!-- -->and acknowledge the data practices in our<!-- --> <a class=\"!tw-text-gray-5 hover:!tw-text-gray-5\" href=\"https:\/\/thepointsguy.com\/privacy-policy\/\" target=\"_blank\" rel=\"noopener\">Privacy Policy<\/a>. You may unsubscribe at any time.<\/p>\n<\/div>\n<\/form>\n<\/div>\n<\/div>\n<ul>\n<li><strong>Up to $100 statement credit per quarter (up to $400 per calendar year) for <span><a href=\"https:\/\/thepointsguy.com\/credit-cards\/resy-credit-guide\/\" target=\"_blank\" rel=\"noopener\">Resy<\/a><\/span><\/strong>: Pay with your Amex Platinum at an eligible U.S. Resy restaurant. No reservation is required.<\/li>\n<li><strong>Up to $75 statement credit per quarter (up to $300 per calendar year) for <span><a href=\"https:\/\/thepointsguy.com\/credit-cards\/top-items-to-buy-amex-platinum-lululemon-credit\/\" target=\"_blank\" rel=\"noopener\">Lululemon<\/a><\/span><\/strong>: Pay with your Amex Platinum and receive the statement credit for purchases made at U.S. stores (excluding outlets) and online.<\/li>\n<\/ul>\n<p><em>Enrollment is required for select benefits.<\/em><\/p>\n<p>To learn more, read our <span><a href=\"https:\/\/thepointsguy.com\/credit-cards\/reviews\/amex-platinum-review\/\" target=\"_blank\" rel=\"noopener\">full review of the Amex Platinum<\/a><\/span>.<\/p>\n<h3>Hilton Honors American Express Aspire Card<\/h3>\n<p>The <span data-article-product-link=\"\" class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b\"><a href=\"https:\/\/thepointsguy.com\/oc\/7559?name=Hilton Honors American Express Aspire Card&amp;pid=7559?tid=post\" rel=\"noreferrer nofollow noopener\" target=\"_blank\" class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b applyLink inherit\">Hilton Honors American Express Aspire Card<\/a><\/span> has one quarterly benefit you&#8217;ll want to maximize.<\/p>\n<ul>\n<li><strong>Up to $50 in flight statement credits per quarter (up to $200 per calendar year)<\/strong>: Pay for a flight directly with an airline, through <span><a href=\"https:\/\/thepointsguy.com\/credit-cards\/amex-travel-guide\/\" target=\"_blank\" rel=\"noopener\">AmexTravel.com<\/a><\/span> or the <span><a href=\"https:\/\/thepointsguy.com\/credit-cards\/amex-travel-app\/\" target=\"_blank\" rel=\"noopener\">Amex Travel App\u2122<\/a><\/span> and receive up to $50 in statement credits each quarter.<\/li>\n<\/ul>\n<p>To learn more, read our <span><a href=\"https:\/\/thepointsguy.com\/credit-cards\/reviews\/hilton-amex-aspire-review\/\" target=\"_blank\" rel=\"noopener\">full review of the Hilton Aspire<\/a><\/span>.<\/p>\n<figure class=\"jsx-3874346954 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-2453190082 full-width-auto-height-image\"><img alt=\"Waldorf Astoria Los Cabos Pedregal\" loading=\"lazy\" width=\"1600\" height=\"1067\" decoding=\"async\" data-nimg=\"1\" style=\"color:transparent;height:auto;width:100%\" sizes=\"auto, (max-width: 1024px) 100vw, 756px\" srcset=\"https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2025\/12\/20251222_Waldorf-Astoria-Los-Cabos-Pedregal_CHelfand-39.jpg?width=640 640w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2025\/12\/20251222_Waldorf-Astoria-Los-Cabos-Pedregal_CHelfand-39.jpg?width=750 750w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2025\/12\/20251222_Waldorf-Astoria-Los-Cabos-Pedregal_CHelfand-39.jpg?width=828 828w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2025\/12\/20251222_Waldorf-Astoria-Los-Cabos-Pedregal_CHelfand-39.jpg?width=1080 1080w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2025\/12\/20251222_Waldorf-Astoria-Los-Cabos-Pedregal_CHelfand-39.jpg?width=1200 1200w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2025\/12\/20251222_Waldorf-Astoria-Los-Cabos-Pedregal_CHelfand-39.jpg?width=1920 1920w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2025\/12\/20251222_Waldorf-Astoria-Los-Cabos-Pedregal_CHelfand-39.jpg?width=2048 2048w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2025\/12\/20251222_Waldorf-Astoria-Los-Cabos-Pedregal_CHelfand-39.jpg?width=3840 3840w\" src=\"https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2025\/12\/20251222_Waldorf-Astoria-Los-Cabos-Pedregal_CHelfand-39.jpg?width=3840\"\/><\/div><figcaption class=\"jsx-3874346954 figcaption\">CARLY HELFAND\/THE POINTS GUY<\/figcaption><\/figure>\n<h3>The Hilton Honors American Express Business Card<\/h3>\n<p>The quarterly statement credit on <span data-article-product-link=\"\" class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b\"><a href=\"https:\/\/thepointsguy.com\/oc\/6727?name=The Hilton Honors American Express Business Card&amp;pid=6727?tid=post\" rel=\"noreferrer nofollow noopener\" target=\"_blank\" class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b applyLink inherit\">The Hilton Honors American Express Business Card<\/a><\/span> is a highlight perk.<\/p>\n<ul>\n<li><strong>Up to $60 Hilton statement credit per quarter (up to $240 per calendar year)<\/strong>: Receive up to $60 in statement credits each quarter on purchases charged directly with the Hilton Business Amex toward a property within the <span><a href=\"https:\/\/thepointsguy.com\/hotel\/best-hilton-hotels\/\" target=\"_blank\" rel=\"noopener\">Hilton portfolio<\/a><\/span>, including bookings and incidental charges, such as dining and spa services.<\/li>\n<\/ul>\n<p>To learn more, read our <span><a href=\"https:\/\/thepointsguy.com\/credit-cards\/reviews\/credit-card-review-hilton-honors-american-express-business-card\/\" target=\"_blank\" rel=\"noopener\">full review of the Hilton Business Amex<\/a><\/span>.<\/p>\n<h3>Hilton Honors American Express Surpass Card<\/h3>\n<p>The <span data-article-product-link=\"\" class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b\"><a href=\"https:\/\/thepointsguy.com\/oc\/220312354?name=Hilton Honors American Express Surpass\u00ae Card&amp;pid=220312354?tid=post\" rel=\"noreferrer nofollow noopener\" target=\"_blank\" class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b applyLink inherit\">Hilton Honors American Express Surpass\u00ae Card<\/a><\/span>&#8216;s quarterly statement credit is one of the card&#8217;s top benefits.<\/p>\n<ul>\n<li><strong>Up to $50 Hilton statement credit per quarter (up to $200 per calendar year)<\/strong>: Receive up to $50 in statement credits each quarter on purchases charged directly with the Hilton Surpass card toward a property within the Hilton portfolio. This statement credit is similar to the one on the Hilton Business Amex.<\/li>\n<\/ul>\n<p>To learn more, read our <span><a href=\"https:\/\/thepointsguy.com\/credit-cards\/reviews\/hilton-amex-surpass-review\/\" target=\"_blank\" rel=\"noopener\">full review of the Hilton Surpass<\/a><\/span>.<\/p>\n<p><strong>Related: <span><a href=\"https:\/\/thepointsguy.com\/credit-cards\/maximizing-amex-platinum\/\" target=\"_blank\" rel=\"noopener\">How to maximize benefits with the American Express Platinum<\/a><\/span><\/strong><\/p>\n<h2 class=\"jsx-2362441780\">Chase<\/h2>\n<p>Two <span><a href=\"https:\/\/thepointsguy.com\/credit-cards\/chase\/\" target=\"_blank\" rel=\"noopener\">Chase<\/a><\/span> cards provide rotating quarterly bonus categories for cardholders to maximize.<\/p>\n<figure class=\"jsx-3874346954 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-2453190082 full-width-auto-height-image\"><img alt=\"Mature woman doing payment via credit card at fuel station\" loading=\"lazy\" width=\"1600\" height=\"1067\" decoding=\"async\" data-nimg=\"1\" style=\"color:transparent;height:auto;width:100%\" sizes=\"auto, (max-width: 1024px) 100vw, 756px\" srcset=\"https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2023\/07\/Woman-paying-for-gas-with-contactless-credit-car-payment-at-gas-station_Maskot.jpg?width=640 640w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2023\/07\/Woman-paying-for-gas-with-contactless-credit-car-payment-at-gas-station_Maskot.jpg?width=750 750w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2023\/07\/Woman-paying-for-gas-with-contactless-credit-car-payment-at-gas-station_Maskot.jpg?width=828 828w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2023\/07\/Woman-paying-for-gas-with-contactless-credit-car-payment-at-gas-station_Maskot.jpg?width=1080 1080w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2023\/07\/Woman-paying-for-gas-with-contactless-credit-car-payment-at-gas-station_Maskot.jpg?width=1200 1200w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2023\/07\/Woman-paying-for-gas-with-contactless-credit-car-payment-at-gas-station_Maskot.jpg?width=1920 1920w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2023\/07\/Woman-paying-for-gas-with-contactless-credit-car-payment-at-gas-station_Maskot.jpg?width=2048 2048w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2023\/07\/Woman-paying-for-gas-with-contactless-credit-car-payment-at-gas-station_Maskot.jpg?width=3840 3840w\" src=\"https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2023\/07\/Woman-paying-for-gas-with-contactless-credit-car-payment-at-gas-station_Maskot.jpg?width=3840\"\/><\/div><figcaption class=\"jsx-3874346954 figcaption\">MASKOT\/GETTY IMAGES<\/figcaption><\/figure>\n<h3>Chase Freedom and Chase Freedom Flex<\/h3>\n<p>If you have the <span data-article-product-link=\"\" class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b\"><a href=\"https:\/\/thepointsguy.com\/oc\/7538?name=Chase Freedom Flex\u00ae PID&amp;pid=7538?tid=post\" rel=\"noreferrer nofollow noopener\" target=\"_blank\" class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b applyLink inherit\">Chase Freedom Flex\u00ae<\/a><\/span> (see <span><a href=\"https:\/\/thepointsguy.com\/tc\/7538?pid=7538&amp;name=Chase%20Freedom%20Flex%C2%AE%20PID&amp;data-testid=ratesFees\" target=\"_blank\" rel=\"noopener\">rates and fees<\/a><\/span>) or legacy Chase Freedom\u00ae (no longer available to new applicants), you have access to bonus categories that change every quarter.<\/p>\n<ul>\n<li><strong>Up to 5% cash back<\/strong>: From July 1 through September 30, you can earn bonus cash back on gas stations and electric vehicle charging, public transit, select live entertainment and donations to United Way. You&#8217;ll receive bonus cash back in these categories on up to $1,500 of combined spending each quarter (then 1% back). You must activate your categories to receive this higher earning rate; you have until Sept. 14 to <span><a href=\"https:\/\/www.chasebonus.com\/?6b0d1ad83d714843bd47e6bf6343f1a1\" target=\"_blank\" rel=\"noopener\">activate<\/a><\/span>. The quarter ends Sept. 30.<\/li>\n<\/ul>\n<p>To learn more, read our <span><a href=\"https:\/\/thepointsguy.com\/credit-cards\/reviews\/chase-freedom-flex-review\/\" target=\"_blank\" rel=\"noopener\">full review of the Chase Freedom Flex<\/a><\/span>.<\/p>\n<p><em>The information for the Chase Freedom has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.<\/em><\/p>\n<p><strong>Related: <span><a href=\"https:\/\/thepointsguy.com\/credit-cards\/activate-chase-freedom-5x-earnings\/\" target=\"_blank\" rel=\"noopener\">Chase Freedom Q3 categories: 5% back on EV charging, gas stations, live entertainment, transit and United Way<\/a><\/span><\/strong><\/p>\n<h2 class=\"jsx-2362441780\">Citi<\/h2>\n<p>One <span><a href=\"https:\/\/thepointsguy.com\/credit-cards\/citi\/\" target=\"_blank\" rel=\"noopener\">Citi<\/a><\/span> card provides rotating quarterly bonus categories.<\/p>\n<h3>Citi Dividend Card<\/h3>\n<p>If you hold the Citi\u00ae Dividend Card (no longer available to new applicants), here are the Q3 categories you need to keep in mind.<\/p>\n<ul>\n<li><strong>Up to 5% cash back<\/strong>: You&#8217;ll earn 5% cash back this quarter on purchases made at gas stations and home improvement stores. Citi Dividend cardholders earn 5% bonus cash back on up to $6,000 of spending across the year (then 1% back thereafter), so you can maximize your bonus categories for the whole year during a quarter that has the best bonus categories for your individual spending habits. You must <span><a href=\"https:\/\/www.citi.com\/credit-cards\/dividend-quarterly-offer\" target=\"_blank\" rel=\"noopener\">activate<\/a><\/span> your categories each quarter. These categories will run through Sept. 30.<\/li>\n<\/ul>\n<p><em>The information for the Citi Dividend card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.<\/em><\/p>\n<p><strong>Related: <span><a href=\"https:\/\/thepointsguy.com\/credit-cards\/citi-travel-portal\/\" target=\"_blank\" rel=\"noopener\">Ultimate guide to the Citi Travel portal<\/a><\/span><\/strong><\/p>\n<h2 class=\"jsx-2362441780\">Discover<\/h2>\n<p><span><a href=\"https:\/\/thepointsguy.com\/credit-cards\/discover\/\" target=\"_blank\" rel=\"noopener\">Discover<\/a><\/span> has one card that earns bonus cash back in a new set of categories each quarter.<\/p>\n<figure class=\"jsx-3874346954 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-2453190082 full-width-auto-height-image\"><img alt=\"Woman driving a car\" loading=\"lazy\" width=\"1600\" height=\"1067\" decoding=\"async\" data-nimg=\"1\" style=\"color:transparent;height:auto;width:100%\" sizes=\"auto, (max-width: 1024px) 100vw, 756px\" srcset=\"https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2026\/05\/GettyImages-1744600855-copy.jpg?width=640 640w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2026\/05\/GettyImages-1744600855-copy.jpg?width=750 750w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2026\/05\/GettyImages-1744600855-copy.jpg?width=828 828w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2026\/05\/GettyImages-1744600855-copy.jpg?width=1080 1080w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2026\/05\/GettyImages-1744600855-copy.jpg?width=1200 1200w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2026\/05\/GettyImages-1744600855-copy.jpg?width=1920 1920w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2026\/05\/GettyImages-1744600855-copy.jpg?width=2048 2048w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2026\/05\/GettyImages-1744600855-copy.jpg?width=3840 3840w\" src=\"https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2026\/05\/GettyImages-1744600855-copy.jpg?width=3840\"\/><\/div><figcaption class=\"jsx-3874346954 figcaption\">WESTEND61\/GETTY IMAGES<\/figcaption><\/figure>\n<h3>Discover it Cash Back<\/h3>\n<p>The main perk of the <span><a href=\"https:\/\/thepointsguy.com\/credit-cards\/reviews\/discover-it-cash-back-review\/\" target=\"_blank\" rel=\"noopener\">Discover it\u00ae Cash Back<\/a><\/span> is its rotating bonus categories.<\/p>\n<ul>\n<li><strong>Up to 5% cash back<\/strong>: Discover&#8217;s third-quarter bonus categories are gas stations, transportation and drugstores. Cardholders earn 5% cash back on up to $1,500 in combined spending on rotating categories each quarter (then an unlimited 1% cash back thereafter). You&#8217;ll need to remember to activate your current categories. This quarter ends Sept. 30.<\/li>\n<\/ul>\n<p><em>The information for the Discover it Cash Back has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.<\/em><\/p>\n<p><strong>Related: <span><a href=\"https:\/\/thepointsguy.com\/credit-cards\/best-first-credit-cards\/\" target=\"_blank\" rel=\"noopener\">The best first credit cards for beginners<\/a><\/span><\/strong><\/p>\n<h2 class=\"jsx-2362441780\">U.S. Bank<\/h2>\n<p>If you&#8217;re a U.S. Bank fan, there&#8217;s one card with a quarterly benefit you can maximize.<\/p>\n<h3>U.S. Bank Cash+ Visa Signature Card<\/h3>\n<p>With the <span><a href=\"https:\/\/thepointsguy.com\/credit-cards\/reviews\/us-bank-cash-plus-review\/\" target=\"_blank\" rel=\"noopener\">U.S. Bank Cash+\u00ae Visa Signature\u00ae Card<\/a><\/span>, you&#8217;ll receive bonus cash back each quarter you activate.<\/p>\n<ul>\n<li><strong>Up to 5% cash back<\/strong>: This benefit is flexible each quarter. You&#8217;ll earn 5% cash back on up to $2,000 in combined spending on two rotating categories (then 1% back) of your choice after you <span><a href=\"https:\/\/cashplus.usbank.com\/\" target=\"_blank\" rel=\"noopener\">activate them<\/a><\/span>. The categories covered this quarter are cellphone providers, department stores, electronic stores, fast food, furniture stores, ground transportation, gyms and fitness centers, home utilities, internet, movie theaters, select clothing stores, sporting goods stores, streaming services and TV. The current quarter runs through Sept. 30.<\/li>\n<\/ul>\n<p><em>The information for the U.S. Bank Cash+ has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.<\/em><\/p>\n<p><strong>Related: <span><a href=\"https:\/\/thepointsguy.com\/credit-cards\/credit-cards-over-1500-dollars-in-value\/\" target=\"_blank\" rel=\"noopener\">11 credit cards that can get you $1,500 or more in first-year value<\/a><\/span><\/strong><\/p>\n<h2 class=\"jsx-2362441780\">Bottom line<\/h2>\n<p>If you&#8217;re focused on maximizing your card benefits, it&#8217;s essential to keep track of statement credits and rotating bonus categories.<\/p>\n<p>Benefits can reset <span><a href=\"https:\/\/thepointsguy.com\/credit-cards\/credit-cards-monthly-checklist\/\" target=\"_blank\" rel=\"noopener\">monthly<\/a><\/span>, quarterly, <span><a href=\"https:\/\/thepointsguy.com\/credit-cards\/biannual-credit-card-statement-credits\/\" target=\"_blank\" rel=\"noopener\">biannually<\/a><\/span> or annually (either each calendar year or cardholder anniversary). It&#8217;s important to know when your statement credits begin and end to get the most out of your rewards cards.<\/p>\n<p>With these quarterly benefits, be sure to check in again in October. That&#8217;s when we&#8217;ll have details on what to expect for Q4 of 2026.<\/p>\n<p><strong>Related: <span><a href=\"https:\/\/thepointsguy.com\/credit-cards\/cards-with-100k-point-bonuses\/\" target=\"_blank\" rel=\"noopener\">25 cards currently offering welcome bonuses of 100,000 points or more<\/a><\/span><\/strong><\/p>\n<p><em>For rates and fees of the Amex Business Platinum, click <span><a href=\"https:\/\/thepointsguy.com\/tc\/7758?pid=7758&amp;name=The%20Business%20Platinum%20Card%C2%AE%20from%20American%20Express&amp;data-testid=ratesFees\" target=\"_blank\" rel=\"noopener\">here<\/a><\/span>.<\/em><br \/><em>For rates and fees of the Amex Platinum, click <span><a href=\"https:\/\/thepointsguy.com\/tc\/22504813?pid=22504813&amp;name=American%20Express%20Platinum%20Card%C2%AE&amp;data-testid=ratesFees\" target=\"_blank\" rel=\"noopener\">here<\/a><\/span>.<\/em><\/p>\n<\/div>\n<p><br \/>\n<br \/><a href=\"https:\/\/thepointsguy.com\/credit-cards\/quarterly-credit-card-statement-credits\/\" target=\"_blank\" rel=\"noopener\">Source link <\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Quarterly benefits are among the more challenging credit card perks to keep up with. When it comes to quarterly statement credits, you have three months to use them up before they expire. With quarterly bonus categories, you have to memorize a new set in each quarter to ensure you&#8217;re getting the best return for your [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":249632,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[15],"tags":[],"class_list":{"0":"post-249631","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-travel"},"_links":{"self":[{"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/posts\/249631","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/comments?post=249631"}],"version-history":[{"count":0,"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/posts\/249631\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/media\/249632"}],"wp:attachment":[{"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/media?parent=249631"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/categories?post=249631"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/tags?post=249631"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}