You’ll get at least $5 added to each gift card redemption, and sometimes $10 or even more. That's potentially a very profitable bonus. See card detail. Earn 2 Amtrak Guest Rewards points per $1 spent with Amtrak and 1 point spent on all other purchases. To earn cash back, pay at least the minimum due on time. Credit Card Insider receives compensation from advertisers whose products may be mentioned on this page. The Discover it® Balance Transfer offer is not currently in market. Getting the most out of this card begins with being organized enough yourself to take advantage of Discover's selection of rotating categories. The Discover it® Cash Back is one of the more popular and rewarding credit card offers, with 5% cash back in categories that rotate every three months (up to $1,500 spent per quarter, then 1%; activation required). Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. All with no annual fee . For cards that offer rewards we determine the value per dollar spent along with average redemption values and assign more favorable ratings to cards that offer superior consumer value. That shouldn't be a problem for most households; indeed, if anything it’s likely you'll underspend on many or even most quarters—and so make less on these bonus categories than it might appear at first blush. You might say that two 5% rotating category cards is too much (and you might be right). $200 cash back after spending $500 in the first 3 months Rewards; Rewards: 5% back in rotating categories up to $1,500 combined each activated quarter, then 1% after that and on all other purchases. Credit Card Insider has partnered with CardRatings for our coverage of credit card products. Earn 2 points per $1 at US supermarkets on up to $6,000 per year. The cash back you earn can be redeemed for statement credits or direct deposits, which are the easiest methods. Earn 2X FunPoints for every dollar spent on any purchases with Carnival Cruise Lines and 1X FunPoints on all other purchases. In 2019 there was no overlap between the Discover and Chase category calendars at all. Includes eligible pick-up and delivery services. We'll also assume you spend as much as the average consumer at gas stations and restaurants for the other two quarters. 2021 Chase Freedom Flex Categories: Where Can You Earn 5% Back? One definition that’s less generous is that of grocery store purchases; as with other card issuers, these omit those made at convenience stores, gas stations, warehouse clubs, discount stores, Walmart, and Target. All purchases outside the bonus categories will earn 1% back. We covered the major card features here, but you can dig deeper in our Review of the Discover it® Cash Back Credit Card. There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater. 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