Roundup of 5% Bonus Categories for Q1: Chase Freedoms, Discover it, and Citi Dividend

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Roundup of 5% Bonus Categories for Q1

Roundup of 5% Bonus Categories for Q1

Chase Freedom card, Discover It and Citi Dividend are the three major 5% cashback credit cards with rotating bonus categories. And now that the first quarter of 2022 is here, let’s take a look at the 5% bonus categories for each card and some ideas on how to maximize each one.

Discover it 2022 Q1 Bonus Categories

The Discover It card will earn 5% cash back at Grocery Stores and Fitness Club & Gym Memberships this quarter. While the latter is not very exciting, Grocery Stores are a popular category.

You can earn 5% back on up to $1,500 in purchases per Discover it card, from now until March 31, 2022. If you have more than one, then you get to have even more fun. Click here to activate 5%.

Chase Freedom Q1 2022 Bonus Categories

Chase Freedom categories for this upcoming quarter include Grocery Stores (excluding Target and Walmart) and eBay. This gives you another $1,500 to spend on groceries, while earning 5% cash back (or 5x Ultimate Rewards). eBay is also a great option if you normally shop on the site.

These categories are the same for the old Freedom card and the new Freedom Flex. You can activate the 5% categories for Freedom here, and Freedom Flex here. The old Freedom card is no longer available for applications.

You can earn 5% back on up to $1,500 in purchases with each Freedom card that you currently have, from now until March 31, 2022.

Citi Dividend Q1 2022 Bonus Categories

Citi Dividend differs from Discover it or Chase Freedom cards since you can earn all of your cashback ($300) any time during the year in whichever eligible category you choose. For Q1 you can earn 5% at Amazon and select Streaming Services.

Amazon is a popular category where many people get their shopping done. So if you spend $6,000 on Amazon this quarter for example, you would earn $300 in cash back.

The Dividend card isn’t available to the public anymore, but you may be able to product change over another card to it. You can find the calendar here.


There are some good categories this quarter between Grocery Stores, eBay and Amazon. Make sure to activate these offers first and then maximize the cash back for each card.

With Discover it and Chase Freedom cards, you get $1,500 in spend this quarter with 5% cash back. For Citi Dividend, you can complete the whole annual spending of $6,000 within one quarter if you prefer.

Based in NYC. Points/miles enthusiast for years and actively writing about it for the last 6+ years at Danny the Deal Guru. I'm always looking out for deals. Making a few bucks is always nice, but the traveling is by far the best part of this business.

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