5% Credit Card Cashback Rotating Categories: January - March 2018


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 from January to March of 2018.  Make sure to sign up!


Earn 5% cash back on up to $1,500 in combined purchases from January 1 - March 31, 2018 at Gas Stations and Internet/Cable/Phones services - see merchant list HERE.  Activate by March 14, 2018.  For more information, see Chase Freedom Frequently Asked Questions. You always earn unlimited 1% cashback on all your other purchases.


Earn 5% cashback on eligible purchases at Gas Stations and Car Rental Agencies from January 1 - March 31, 2018.  The offer becomes active within 2 business days of when you enroll in this offer, or January 1, 2018, whichever is later.  Note that there is no quarterly cashback limit but your cashback is limited to $300 per year.  See this link for details.  Like the Chase Freedom card, you also earn 1% cashback on all other purchases.

[Note the link above will still display the 2017 quarterly cashback calendar but you will be able to opt into the 1st quarter 2018 offer once you log into your Citicard account.]


Earn 5% Cashback Bonus on up to $1,500 in purchases at Gas Stations and Wholesale Clubs from from January 1 - March 31, 2018.  The offer becomes active on January 1, 2018 or the date on which you sign up, whichever is later.  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.

Sponsor Highlight

Tom Callahan (SunTrust Mortgage) specializes in serving the mortgage financing needs of licensed medical doctors and dentists.  Key benefits of the SunTrust doctor loan includes:

  • 100% financing for loans up to $750,000
  • 95% financing for loans up to $1 Million
  • 90% financing for loans up to $1.5 Million
  • No Private Mortgage Insurance (PMI)

Contact team Callahan and see if a SunTrust doctor loan is right for you.

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.