Credit Cards
recommended by
our experts

Get Cards
Credit Card eZine - News and Articles about Credit Cards

Credit Card eZine - News and Articles about Credit Cards

Get even more information on credit cards? Read our Credit Card eZine. The section is regularly updated by our specialists. Learn all the financial tricks. Know the pitfalls and hidden bonuses. Find out how to transfer balances and accumulate points. We will tell you about the latest offers on the market.Get your credit card education and make the most out of your plastic.

Saving By the Calendar: A Seasonal Guide to Credit Card Rewards

[October 2nd, 2015]

If you’re familiar with rewards credit cards, you probably know that most cards offer a base rate of 1% cash back on all purchases, or one reward point per dollar spent. Beyond that, all bets are off. Some cards offer extra savings on gas, some on dining, and some on travel. But some credit cards give you the chance to rack up rewards in different categories, depending on the season.

Savings are usually 5% cash back, with a cap of $75 back per quarter. So, you can get the 5% back on the first $1,500 in purchases you make in that category. After that, you’ll still get 1% cash back on purchases in that category.

These cards are often called “rotating rewards cards,” and they offer more cash back or points in different spending categories on a rolling basis. There are several types of these on the market; for example, the Discover it card, and the Chase Freedom card.

The seasons are really fiscal quarters – this just means that categories shift in January, April, July, and October. One thing to remember is that you’ll need to sign up for the bonus points or cash back again each quarter. You can usually do this most easily online, by logging into your account. You can also call customer service, or send a text message, if you have SMS texting enabled on your account. If you miss the start date, not to worry: often, you’ll be able to sign up throughout the quarter. However, your previous purchases might not be credited for the extra bonus amount—so keep your eye out and sign up as soon as the promotion is available.

You’ll also need to be aware that sometimes merchants categorize themselves in ways you might not expect. For example, if the extra rewards are available at a restaurant, the merchant must classify themselves as a food service establishment, not any other type of retail business.

If you have this type of card, be sure to check your calendar to maximize your credit card rewards. Here’s a guide to saving along with the seasons.

January – March: Savings are often found at movie theaters, restaurants, and other places people like to go when it’s cold outside. Look for deals at ski resorts or on food delivery.

April – June: This is the time to save more at home improvement stores. With the warmer weather, people think about fixing up their yards, planting gardens, and maybe selling their homes.

July – September: Summertime is the best chance to save on gas, hotels, amusement or theme parks, and car rentals. Everyone is on vacation, it seems, and savings abound.

October – December: Department stores and online shopping discounts are the big bonus categories this time of year, with holiday shopping at its peak. Credit card issuers often pull out all the stops, adding restaurants, hotel, airfare, and other travel and entertainment to their bonus offers.

No matter which type of card you have, be sure to pay attention—each issuer varies as to their offers, and when you can sign up. But seasonal savings are easy to find once you are wise to them.

Share Opinion:   digg   Furl   YahooMyWeb   Propeller   Reddit   Google
[October 05, 2017]
People who love taking advantage of Groupon’s discount offers now have an even better way to save money when using a Groupon – as long as they pay for it with an eligible Mastercard or Visa credit or debit card.

Groupon Plus offers a completely paperless, voucherless option for saving at res...

[September 06, 2017]
If you’re familiar with travel rewards credit cards, you probably already know that Chase Sapphire is one of the most popular ones out there. Their Ultimate Rewards program offers cardholders a one-to-one value when transferring points to airline and hotel loyalty programs, double or even triple p...
[August 10, 2017]
When you realize your credit card number has been compromised and someone is out there spending money under your name, it’s one of the worst feelings there is. So Discover’s newest fraud-prevention program is good news for anyone who has experienced that sickening feeling of worrying that your c...
* The webpage is a free service and an information resource for credit cards and financial products and services available to eligible United States consumers. does not offer any warranties and is not a direct service. There are no guarantees for approval or offers when applying for a credit card. Please refer to the application if you would like more information on each credit card. When you click "Apply" for a particular credit card, please take the time to review the terms and conditions of the product/service at the issuer's website. All logos on the website are property of their respective owners.
Disclaimer: This editorial content is not provided or commissioned by the credit card issuer. Opinions expressed here are the author's alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. Reasonable efforts are made to present accurate info, however all info is presented without warranty. Consult a card's issuing bank for terms & conditions.
We do our best to maintain the information accurate at However, all the credit cards information is subject to change and presented without warranty. See the up to date credit card terms and conditions on the secured credit card application page. Note that may be compensated by credit card issuers when visitors apply for a credit card through the links on this website., an independent, advertising-supported website, receives compensation from the companies whose offers appear on the site. This compensation impacts where and how credit products appear on our site, including, for example, the product listing order in which they may appear on separate pages. does not present or review all available credit or financial offers.
Disclosure: Not an access card.