Best Cards for Bonus Categories October Through December 2026

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All information about the Prime Visa has been collected independently by 10xTravel.

All information about the American Express Green Card and The Amex EveryDay® Card has been collected independently by 10xTravel. The information related to the Citi Custom Cash® Card and the Costco Anywhere Visa® Card by Citi has been collected by 10xTravel and has not been reviewed or provided by the issuer or provider of this product or service.

There could be many reasons why you might not be working on earning a credit card welcome bonus at the moment. Maybe you’re trying to get your recently opened card count below 5/24 or you’re letting your credit report cool off a little bit before opening new lines of credit.

Whatever the reason, you still want to take advantage of travel credit card bonus categories. That’s why we’ve compiled the best bonus category options currently available in the market on a quarterly basis for cards you might have in your wallet.

While some cards have permanent bonus categories, others change every few months. We hope this guide will make choosing the best card for your everyday purchases just a little bit easier.

Groceries

Grocery costs are still on the rise, and there are quite a few options to earn points at elevated rates on supermarket purchases in the fourth and final quarter of 2026. You can earn tons of rewards to make the increasingly painful cost of groceries and household necessities sting less.

The following cards offer bonus points or high cashback rates on grocery purchases:

• The Amex EveryDay® Credit Card: 2X Membership Rewards® points at U.S. supermarkets on up to $6,000 per year in purchases, then 1X.
• American Express® Gold Card (see rates and fees): Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
• Bank of America® Customized Cash Rewards credit card: 2% cash back at grocery stores and wholesale clubs, on the first $2,500 in combined choice-category, grocery store and wholesale club purchases each quarter, then 1%.
• Blue Cash Everyday® Card from American Express (see rates & fees): 3% cash back on groceries on up to $6,000 spent at U.S. supermarkets per year, then 1% thereafter.*
• Blue Cash Preferred® Card from American Express (see rates and fees): 6% cash back on groceries on up to $6,000 spent at U.S. supermarkets per year, then 1% thereafter*
• Chase Freedom (not available to new applicants) and Chase Freedom Flex®: 5% cash back at grocery stores (excluding Target® and Walmart®) from October 1 through December 31, 2026, on up to $1,500 in combined Q4 bonus-category purchases after activation.
• Citi Custom Cash® Card: 5% cash back on purchases in your top eligible spend category each billing cycle, including grocery stores, on up to the first $500 spent, then 1% cash back thereafter.
• Citi Strata Premier® Card: 3X points per dollar spent at Supermarkets
• Prime Visa: Unlimited 5% back at Whole Foods Market with an eligible Prime membership.

A fan-favorite, American Express® Gold Card is still one of the best cards to earn flexible rewards on grocery purchases in the United States.

The Citi Strata Premier® Card earns bonus points on supermarkets all over the world, so consider this card when buying groceries overseas.

The Citi Custom Cash® Card offers 5% cash back on purchases in your top eligible spend category each billing cycle, including grocery stores, on up to the first $500 spent, then 1% thereafter. Given groceries are often one of the biggest line items in a family’s budget, it can be easy to maximize the grocery store category with this card every month.

Flights

Whenever you’re not redeeming credit card rewards for airfare, make sure to earn the most points possible on any cash tickets you’re purchasing.

The best cards offering bonus points for flights purchased this quarter include:

• American Express® Gold Card: Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™ or purchased directly from airlines.
• American Express® Green Card (see rates and fees): 3X Membership Rewards® points on travel.
• American Express Platinum Card^®  (see rates and fees): 5X Membership Rewards® points on flights booked directly with airlines or through American Express Travel®, on up to $500,000 in these purchases per calendar year, then 1X.
• Capital One Venture X Rewards Credit Card: 5X miles on flights booked through Capital One’s travel booking site
• Chase Freedom Unlimited® or Chase Freedom Flex®: 5% cash back on travel purchased through Chase Travel℠
• Chase Sapphire Preferred® Card: 5X Ultimate Rewards points on airfare purchased through Chase Travel℠ and 2X on all other travel purchases
• Chase Sapphire Reserve®: 8X points on purchases through Chase Travel℠ and 4X points on flights booked directly with airlines. Purchases that qualify for the $300 Annual Travel Credit do not earn points.
• Citi Strata Elite℠ Card: 6X ThankYou® Points on air travel booked through Citi Travel®.
• Citi Strata Premier Card: 3X ThankYou® Points on air travel.
• Citi Prestige Card (not available to new applicants): 5X ThankYou Points on airline purchases
• U.S. Bank Altitude® Connect Visa Signature® Card: 4X points on travel
• Wells Fargo Autograph Journey℠ Card: 4X points on airlines

The Wells Fargo Autograph Journey℠ Card earns an impressive 4X points on airfare purchases and gives back a $50 annual statement credit toward purchases that are coded as airlines (with a $50 minimum purchase).

Although both the Platinum Card^® and the Citi Prestige Card earn 5X points on flights, the Platinum Card^® is a preferred option between the two because it provides trip delay insurance.

The Amex Gold and the Amex Green could be good choices here as well, as they both earn 3X Membership Rewards points on airfare booked directly with airlines.

The U.S. Bank Altitude® Connect Visa Signature® Card is a bit of an underdog, but it still should be on your radar. It earns 4X points on travel, including purchases made directly with airlines. Remove this sentence. The statement is no longer accurate because U.S. Bank Altitude Reserve currently supports point transfers to participating travel loyalty programs.

Both of the Chase Sapphire cards, both Chase Freedom cards, the Citi Strata Elite Card as well as the Capital One Venture X Rewards Card offer travelers elevated rewards on airfare booked via their respective travel portals. However, keep in mind that booking directly with an airline might save you some headache down the road.

The Citi Strata Premier® Card earns 3X ThankYou® Points on air travel and provides travel protections including Trip Delay Protection, Common Carrier Trip Cancellation & Interruption Protection, Lost or Damaged Luggage and MasterRental® Coverage.

Hotels

Although there are exceptions, we recommend focusing on earning transferable points when booking hotels. Here are your best options with Amex, Capital One, Chase and Citi:

• American Express Green Card: 3X Membership Rewards points on travel
• American Express Platinum Card^®: 5X Membership Rewards on prepaid hotels booked via American Express Travel^®
• Capital One Venture X Rewards Credit Card: 10X miles on hotels booked through Capital One’s travel booking site and 5X on vacation rentals
• Capital One Venture Rewards Credit Card: 5X miles on hotels and vacation rentals booked through Capital One’s travel booking site
• Chase Freedom Unlimited®: 5% cash back on travel purchased through Chase Travel℠
• Chase Sapphire Preferred® Card: 5X Ultimate Rewards points on travel purchases made through Chase Travel℠ or 2X points on all other travel
• Chase Sapphire Reserve®: 8X Ultimate Rewards points on hotels booked through Chase Travel℠ or 4X points on direct hotel bookings (after the first $300 spent on travel per year)
• Citi Strata Premier Card: 10X ThankYou® Points on hotels booked through Citi Travel® and 3X points on other hotel purchases
• Citi Strata Elite℠ Card: 12X ThankYou® Points on hotels booked through Citi Travel®
• Citi Prestige Card: 3X ThankYou® Points on hotel purchases
• Ink Business Preferred® Credit Card: 3X points on travel and other eligible bonus categories, on up to $150,000 in combined purchases each account anniversary year
• Wells Fargo Autograph Journey℠ Card: 5X points on hotels

All information about Ink Business Preferred® Credit Card has been collected independently by 10x Travel. Ink Business Preferred® Credit Card is no longer available through 10xtravel.com.

If you’re looking to pay cash for your hotel stay, consider using the Citi Prestige Card (not available to new applicants). You can get the fourth night free on a paid hotel stay booked through Citi Travel (up to two times per year).

Citi Strata Premier® cardmembers receive a $100 Annual Hotel Benefit once per calendar year on a single hotel stay of $500 or more, excluding taxes and fees, booked through Citi Travel®. The benefit is applied at booking rather than as a statement credit. Citi Strata Premier® cardmembers earn 10X ThankYou® Points on hotels booked through Citi Travel®. Remove the Citi Prestige® Card from this 10X statement.

Chase Sapphire Preferred® cardmembers can earn up to $100 in statement credits each account anniversary year for hotel stays purchased through Chase Travel℠. Purchases that qualify for the credit do not earn points.

Amex Platinum cardmembers receive up to $600 Hotel Credit: Get up to $300 in statement credits semi-annually on prepaid Fine Hotels + Resorts® or The Hotel Collection* bookings through American Express Travel® using the Platinum Card®. *The Hotel Collection requires a minimum two-night stay. Effective January 1, 2027, Fine Hotels + Resorts® bookings will require a minimum two-night stay to be eligible for the $600 Hotel Credit.

Chase Sapphire Reserve® cardmembers receive up to $500 annually in statement credits for qualifying prepaid stays with The Edit by Chase Travel, with a maximum of $250 per qualifying transaction, plus up to $250 in statement credits through December 31, 2026, for qualifying prepaid stays at select Chase Travel hotels. A two-night minimum applies to both benefits.

Citi Strata Elite® Card offers a $300 Annual Hotel Benefit once per calendar year on a single hotel stay of two nights or more booked through Citi Travel®.

The Chase Sapphire Reserve®, the Capital One Venture X Rewards Card and the Citi Strata Elite℠ Card might entice you with 8X, 10X and 12X points per dollar, respectively, spent on hotels booked through their travel portals. However, it’s worth remembering that chain hotels don’t honor elite status benefits on portal bookings, and you likely won’t earn credit for the stay, either.

The same idea applies to portal bookings made with Chase Freedom Unlimited®, Chase Freedom Flex® and the Capital One Venture Rewards Credit Card. The Chase Freedom cards earn 5% cash back on travel purchased through Chase Travel℠, while the Venture card earns 5X miles on hotels and vacation rentals booked through Capital One Travel.

You also can earn 10X points on prepaid hotel and car reservations booked through the U.S. Bank Travel Center with the U.S. Bank Altitude Reserve Visa Infinite® Card. You’ll earn 10X points on prepaid hotel and car reservations booked through the U.S. Bank Travel Center with your card, Eligible cardmembers can transfer points to participating travel loyalty programs, subject to the program’s current terms and available partners.

Cruises

Setting sails? Use a card that earns bonus rewards in the travel category. Co-branded cruise cards aren’t typically the best options. Instead, use a credit card that earns a boatload of flexible points and offers trip insurance in case you miss the boat.

• American Express Green Card: 3X Membership Rewards points on travel
• Chase Freedom Unlimited® or Chase Freedom Flex®: 5% cash back on travel purchased through Chase Travel℠
• Chase Sapphire Preferred® Card: 5X points on travel purchased through Chase Travel℠ and 2X points on other travel purchases.
• Citi Prestige Card: 3X ThankYou® Points on cruise line purchases.
• Ink Business Preferred® Credit Card: 3X points on travel and other eligible bonus categories, on up to $150,000 in combined purchases each account anniversary year
• U.S. Bank Altitude® Connect Visa Signature® Card: 4X points per dollar spent on travel
• Wells Fargo Autograph Journey℠ Card: 3X points on other travel purchases, including cruises.

Rental Cars

When renting a car, you should consider more than just the total number of points you’d earn. Some cards offer rental car insurance when you pay with them, but they may not offer the most points.

For example, the Chase Sapphire Preferred® Card and the Chase Sapphire Reserve® provide primary insurance coverage while many of its peers offer either secondary coverage or no coverage at all.

• American Express Green Card: 3X Membership Rewards® points on eligible travel purchases, including car rentals.
• Capital One Venture X Rewards Card: 10X miles on rental cars booked through Capital One Travel.
• Capital One Venture Rewards Credit Card: 5X miles on rental cars booked through Capital One Travel.
• Chase Freedom Unlimited® or Chase Freedom Flex®: 5% cash back on travel purchased through Chase Travel℠.
• Chase Sapphire Preferred® Card: 5X Ultimate Rewards points on travel purchases made through Chase Travel℠ or 2X points on travel
• Citi Strata Elite℠ Card: 12X ThankYou® Points on car rentals booked through Citi Travel®
• Citi Strata Premier Card: 10X ThankYou Points on car rentals booked through the Citi Travel portal
• Citi Prestige Card: 10X ThankYou Points on car rentals booked through the Citi Travel portal
• Ink Business Preferred® Credit Card: 3X points on travel
• U.S. Bank Altitude® Connect Visa Signature® Card: 4X points on travel
• U.S. Bank Altitude® Reserve Visa Infinite® Card: 10X prepaid hotels/car rentals and 5X prepaid flights in Travel Center; 3X eligible travel/mobile wallet
• Wells Fargo Autograph Journey℠ Card: 3X points on travel and other eligible bonus categories, on up to $150,000 in combined purchases each account anniversary year, then 1X.

Restaurants

Dining, including delivery and takeout, is one of the most popular travel credit card bonus categories. The extra points add up quickly whether you grab a hot beverage at a neighborhood coffee shop in the morning, go out with coworkers for lunch, or wine and dine in the evening.

• American Express Gold® Card: 4X Membership Rewards® points at restaurants worldwide, plus takeout and delivery in the U.S., on up to $50,000 in purchases per calendar year, then 1X.
• American Express Green Card: 3X Membership Rewards® points at restaurants worldwide, plus takeout and delivery in the U.S.
• Bank of America® Customized Cash Rewards credit card: 6% cash back in the category of your choice for the first year from account opening, including dining, then 3%. The 6%/3% choice-category rate and 2% grocery/wholesale-club rate apply to the first $2,500 in combined purchases each quarter, then 1%. (Note: you can change your choice category once each calendar month.)
• Capital One SavorOne Cash Rewards Credit Card: 3% cash back on dining
• Chase Freedom (not available to new applicants) and Chase Freedom Flex®: Up to 7% cash back on eligible dining purchases from October 1 through December 31, 2026, when the activated quarterly dining bonus is combined with the cards’ standard dining rewards, on up to $1,500 in combined quarterly bonus-category purchases.
• Chase Freedom Unlimited®: 3% cash back on dining at restaurants, including takeout and eligible delivery services
• Chase Sapphire Preferred® Card: 3x on dining, 3x on vacation homes, 3x on gas & EV charging, 3x on top streaming services and online groceries (excluding Walmart, Target, and wholesale clubs).
• Citi Custom Cash® Card: 5% cash back on purchases in your top eligible spend category each billing cycle, including restaurants, on up to the first $500 spent, then 1% cash back thereafter.
• Citi Strata Elite® Card: 6X ThankYou® Points at restaurants on Citi Nights® purchases, Friday and Saturday from 6 p.m. to 6 a.m. ET, and 3X ThankYou® Points at restaurants at all other times.
• Citi Strata Premier® Card: 3X ThankYou® Points at restaurants
• Citi Prestige® Card: 5X ThankYou® Points at restaurants
• Costco Anywhere Visa® Card by Citi: 3% cash back at restaurants
• Discover it® Cash Back Credit Card: 5% Cashback Bonus® at restaurants, entertainment and utilities from October 1 through December 31, 2026, on up to $1,500 in combined purchases after activation.
• Wells Fargo Autograph℠ Card: 3x points at restaurants
• Wells Fargo Autograph Journey℠ Card: 3X points at restaurants

Ride-Hailing Services

Ride-booking can be tricky. Some banks code these services as travel while others don’t. For extra rewards, look for cards that have partnerships with specific ride-hailing companies.

• American Express Green Card: 3X Membership Rewards on travel
• Blue Cash Preferred® Card from American Express: 3% cash back on transit*
• Chase Freedom / Chase Freedom Flex® / Chase Freedom Unlimited®: 2% total cash back on qualifying Lyft rides through September 30, 2027
• Chase Sapphire Preferred® Card: 5X total points on eligible Lyft purchases through September 30, 2027, and 2X points on other travel purchases
• Chase Sapphire Reserve®: 5X total points on eligible Lyft purchases through September 30, 2027
• Ink Business Preferred® Credit Card: 5X total points on eligible Lyft purchases through September 30, 2027; 3X points on travel and other eligible bonus categories on up to $150,000 in combined purchases each account anniversary year
• Ink Business Unlimited® / Ink Business Cash® / Ink Business Premier®: 5% total cash back on eligible Lyft purchases through September 30, 2027
• Wells Fargo Autograph Card: 3X points on transit, including rideshares.
• Wells Fargo Autograph Journey℠ Card: 3X points on travel

Although the Platinum Card® from American Express and American Express® Gold Card don’t earn bonus points specifically for ride-hailing services, they offer Uber Cash benefits. Platinum Card® Members receive $15 in Uber Cash each month plus an additional $20 in December, for up to $200 annually. American Express® Gold Card Members receive $10 in Uber Cash each month, for up to $120 annually. Add the eligible Card to your Uber account and select an American Express Card as the payment method to use the benefit. Uber Cash benefits may be used on eligible rides and orders in the U.S. Terms apply.

Chase Sapphire Reserve® cardmembers can receive up to $10 in Lyft in-app credits each month, through September 30, 2027. The Sapphire Reserve® must be added as a payment method in the Lyft app to receive the benefit.

Food Delivery

For food delivery, some cards offer unique credits in addition to bonus points. Balancing your earnings and credits to offset the costs is the best way to save and earn.

• American Express® Gold Card: 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
• American Express Green Card: 3X Membership Rewards® points at restaurants worldwide, plus takeout and delivery in the U.S
• Chase Freedom Unlimited® or Chase Freedom Flex®: 3% cash back on dining at restaurants, including takeout and eligible delivery services
• Chase Sapphire Preferred® Card: 3X points on dining, including eligible delivery services and takeout
• Chase Sapphire Reserve®: 3X points on dining, including eligible delivery services and takeout.
• Citi Strata Premier Card: 3X ThankYou® Points at restaurants
• Citi Prestige Card: 5X ThankYou® Points at restaurants, including restaurant delivery services and takeout restaurants
• Wells Fargo Autograph Card: 3X points at restaurants, including eating places and restaurants

The American Express® Gold Card offers up to $10 in monthly statement credits when you pay with the card at participating Dining Credit partners, including Grubhub, for up to $120 per year. Enrollment is required. Card Members also receive $10 in Uber Cash each month, up to $120 per year, which can be used on eligible Uber Eats orders and Uber rides in the U.S. when an Amex Card is selected for the transaction.

Platinum Card® Members receive $15 in Uber Cash each month plus an additional $20 in December, for up to $200 per year, to use on eligible Uber Eats orders and Uber rides in the U.S. when an Amex Card is selected for the transaction. The credits with either card don’t roll over to the next month, so be sure to place an order before they expire.

Chase Sapphire Reserve® cardmembers with an activated DashPass membership receive up to $25 in monthly DoorDash promos, including a $5 monthly promo for restaurant orders and two $10 monthly promos for eligible non-restaurant orders, available through December 31, 2027.

Gas Stations

Gas stations are a big category for those who commute to work or prefer road trips to air travel. Use the cards below to get as many points or as much cash back as possible when filling up the tank to offset the high cost of fuel. Those buying snacks for the road, such as meat jerky and granola bars, will thank us later as well.

• Bank of America® Customized Cash Rewards credit card: 6% cash back for the first year from account opening when you select gas and EV charging stations as your choice category
• Blue Cash Preferred® Card from American Express: 3% cash back on gas at U.S. gas stations*
• Chase Sapphire Preferred® Card: 3X points at gas and EV charging stations
• Citi Custom Cash Card (not available to new applicants): 5% cash back on purchases in your top eligible spend category each billing cycle, including gas stations, on up to the first $500 spent, then 1% thereafter.
• Citi Strata Premier Card: 3X ThankYou® Points at gas and EV charging stations.
• Costco Anywhere Visa Card by Citi: 5% cash back on gas at Costco and 4% cash back on other eligible gas and EV charging purchases, on the first $7,000 in combined purchases per year, then 1%.
• Ink Business Cash® credit card: 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year, then 1%
• U.S. Bank Altitude® Connect Visa Signature® Card: 4X points at gas stations and EV charging stations on the first $1,000 each quarter, then 1X.
• Wells Fargo Autograph Card: 3X points at gas stations and electric vehicle charging stations.

Mobile Pay

Mobile pay is becoming increasingly common, allowing you to complete a transaction in seconds using just your phone. As the acceptance of mobile pay services increases, so does its popularity as a bonus category.

• Apple Card: 3% Daily Cash back at Apple and select merchants when using Apple Card with Apple Pay, including Ace Hardware, Booking.com, ChargePoint, Duane Reade, Exxon Mobil, Hertz, Nike, Uber, Uber Eats and Walgreens; 2% Daily Cash back on other purchases made using Apple Card with Apple Pay.
• U.S. Bank Altitude® Reserve Visa Infinite® Card: 3X points on mobile wallet transactions made with Apple Pay®, Google Wallet or Samsung Pay on the first $5,000 each billing cycle, then 1X

Although the Apple Card is technically one of the best options for mobile pay, we don’t generally recommend it. Many cards earn bonus points in their respective categories even if you pay with mobile pay. So if you’re dining out, look to use one of the best restaurant cards instead of the Apple Card.

Entertainment

Entertainment can be a broad category, but there are several cards available this quarter that list entertainment as a bonus category.

• Capital One SavorOne Cash Rewards Credit Card: 8% cash back on purchases made through Capital One Entertainment. Capital One currently markets the mainstream product as Savor; its official page confirms 8% back through Capital One Entertainment.
• Citi Custom Cash Card (not available to new applicants): 5% cash back on purchases in your top eligible spend category each billing cycle, including live entertainment, on up to the first $500 spent, then 1% cash back thereafter. Remove “not available to new applicants.” Citi currently lists the Custom Cash card and confirms live entertainment as an eligible 5% category.
• Discover it® Cash Back Credit Card: 5% Cashback Bonus® at Restaurants, Entertainment and Utilities from October 1 through December 31, 2026, on up to $1,500 in combined purchases after activation.

Streaming Services

For many people, streaming services have replaced traditional cable and satellite TV. Although it may be a hassle to change all your billing information, using one of the following cards will get you the most rewards on streaming services this quarter.

• Bank of America® Customized Cash Rewards credit card: 6% cash back for the first year (then 3%) in the category of your choice, including online shopping (which includes cable, internet, phone plans and streaming); bonus-category earnings are subject to the first $2,500 in combined choice-category/grocery store/wholesale club purchases each quarter
• Blue Cash Preferred® Card from American Express: 6% cash back on select U.S. streaming subscriptions
• Capital One Savor Cash Rewards Credit Card: 3% cash back on popular streaming services
• Capital One SavorOne Cash Rewards Credit Card: 3% cash back on popular streaming services
• Chase Sapphire Preferred® Card: 3X Ultimate Rewards points on select streaming services
• Citi Custom Cash Card (not available to new applicants): 5% cash back on purchases in your top eligible spend category each billing cycle, including select streaming services, on up to the first $500 spent, then 1% cash back thereafter. Remove “not available to new applicants.
• U.S. Bank Cash+ Visa Signature Card: 5% cash back on the first $2,000 in combined eligible purchases each quarter in two categories you choose, including TV, Internet & Streaming Services. Enrollment in categories is required each quarter
• Wells Fargo Autograph Card: 3X points on eligible streaming services.

Quarterly Bonus Categories (October through December 2026)

Below are two of our favorite rotating category credit cards and their Q4 2026 bonus categories.

• Chase Freedom (not available to new applicants) and Chase Freedom Flex: Earn 5% cash back on up to $1,500 in combined purchases at grocery stores (excluding Target® and Walmart®), dining and the American Red Cross from October 1 through December 31, 2026, after activation.
• Discover it® Cash Back Credit Card: Earn 5% Cashback Bonus® at restaurants and on entertainment and utilities from October 1 through December 31, 2026, on up to $1,500 in combined purchases after activation.

Chase customers will earn 5% cash back at grocery stores this quarter—a much-needed category for consumers who feel financial strain between the aisles.

Dining has made a comeback, and it’s a lucrative category for maximizers because Chase Freedom Flex® normally earns 3% cash back on dining. During Q4 2026, activated dining purchases earn a total of 7% cash back, on up to the $1,500 combined quarterly bonus-category limit. Chase Freedom Flex® also no longer charges foreign transaction fees.

American Red Cross is a Q4 2026 bonus category, so eligible donations made with an activated Chase Freedom or Chase Freedom Flex® earn 5% cash back, subject to the $1,500 combined quarterly bonus-category limit.

The Discover it® Cash Back Credit Card also includes restaurants this quarter, earning 5% Cashback Bonus® on up to $1,500 in combined Q4 bonus-category purchases after activation.

Entertainment is a Q4 2026 bonus category on the Discover it® Cash Back Credit Card, earning 5% Cashback Bonus® on eligible entertainment purchases, subject to the $1,500 combined quarterly limit after activation.

Finally, utilities are another Q4 2026 5% Cashback Bonus® category on the Discover it® Cash Back Credit Card, subject to the $1,500 combined quarterly limit after activation. Keep in mind that some utility providers may charge a fee for using a credit card.

Don’t forget to activate the quarterly bonus categories to earn the elevated rewards.

Chase My Bonus on Co-Branded Cards

If you happen to hold any co-branded cards issued by Chase, such as Aeroplan, Amazon, Avios, IHG, Hyatt, Marriott, Southwest Airlines or United Airlines credit cards, you might be eligible for bonus earnings.

To check whether you’re eligible for extra rewards, go to Chase’s My Bonus page and enter your information. If your card is eligible, make sure to activate the offer and use said card in the listed spending categories, which can include grocery stores, gas and dining.

Final Thoughts

There are a lot of great cards for every bonus category this quarter to help you maximize rewards on your everyday expenses. Banking double or triple points per dollar means you’ll get to your next vacation much faster. And if you’re having a hard time tracking it all, we recommend referring to this article before making a purchase.

*Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or on Amazon.com at checkout.