5% Credit Card Cashback Rotating Categories: July - September 2016

Many credit cards offer you cashback on your purchases.  Almost all cashback cards now offer you at least 1% cashback on all your purchases, only a few offers as much as 5%.  The catch is that the categories rotate every quarter and you have to opt in online.  Below are the 5% rotating categories for July to September of 2016.


Earn 5% cash back on up to $1,500 in combined purchases at Restaurants and Wholesale Clubs such as Costco, BJ's and Sam's Club from July 1 - September 30, 2016. See FAQs for more information.


Earn 5% cash back on eligible purchases at Hilton and Car Rentals between July 1, 2016, and September 30, 2016.  The offer becomes active within 2 business days of when you enroll in this offer, or July 1, 2016, whichever is later.  Note that there is no quarterly benefit limit but your cashback is limited to $300 per year.  See this link for details and the cashback calendar for the remainder of 2016.


Earn 5% Cashback Bonus on up to $1,500 in purchases at Home Improvement Stores and Amazon.com from July 1, 2016 (or the date on which you sign up, whichever is later) through September 30, 2016.  Purchases made using tap-and-pay, mobile or wireless card readers, virtual wallets or similar technology may not be eligible.  See Terms and Conditions for more information.


My go-to cashback credit card is the CITI DOUBLECASH card.  Unlimited 2% cashback on all purchases - 1% when you buy and 1% when you pay your bill.  No annual fee.  No watching the calendar.  No category tracking.  No headaches.  You can learn more about it here.

Future Proof, MD

Dr. Bo Liu is an aspiring radiologist-in-training and the founder and editor of the White Coat Money Blog.  He has an interest in interventional radiology and helping his medical colleagues get ahead in this mad world of medicine and money.  When he's not crushing the list at the PACS station or typing up your next favorite blog post, you can usually find him at the local badminton club, movie theater or the most recently opened restaurant.