Cash Back Bonus Calendar 2012

2012 Credit Card Cash Back Bonus CalendarFor the most part, Chase Freedom, Discover More and Citi Dividend have released details of the 5% rotating bonuses that they will be offering in 2012. If you have one of these cards, you can already sign up for your first quarter bonus program. The chart below summarizes the quarterly bonuses available for each of these cards and should give you an idea of how to maximize your cash back.

Cash Back Bonus Calendar 2012
Unless otherwise noted below, if a card appears in the table, it indicates that purchases made in the corresponding category will earn a 5% rebate, subject to a bonus cap. Chase Freedom and Discover More will earn 5% on up to $1,500 in bonus category purchases each quarter. Citi Dividend cardholders will also earn 5% in their bonus categories, but are limited to a maximum of a $300 cash rebate per year, unless they received an offer indicating otherwise.

Category Jan-Mar Apr-June July-Sept Oct-Dec
Gas stations Chase Freedom
Discover More
Chase Freedom
Discover More Chase Freedom
Museums Discover More
Movie theaters Discover More Chase FreedomDiscover More Discover More
Health care Citi Dividend
Fitness clubs Citi Dividend
Utilities Citi Dividend
Restaurants Discover More Chase Freedom
Grocery stores Chase Freedom
Discover More(Only in May for Discover)
Theme parks Discover More
Department stores Discover More
Electronics stores Discover More
Citi Dividend
Toy stores Discover More
Citi Dividend
Hotels Chase Freedom
Airlines Citi Dividend Chase Freedom
Best Buy Chase Freedom
Kohl’s Chase Freedom
Macy’s Citi Dividend
Home Depot Citi Dividend
Home Furnishing Citi Dividend
Home & Garden Citi Dividend
Car Rental Citi Dividend
Gap, Banana Republic, Old Navy, Gap Outlet, Banana Republic Outlet Citi Dividend

Note: As of the time of publication, Citi has only released its first quarter’s categories. Also, Discover has only committed to offering its 5% cashback bonus on up to $1,500 in purchases through the first half of 2012. It has not yet specified its bonus spending cap for its 5% cashback bonus for the last two quarters of 2012.

How and When to Sign Up
Chase Freedom cardholders can sign up for these bonuses each quarter by visiting or by calling the number on the back of their card. Chase cardholders can also sign up for reminders to activate their 5% cash back. For 2012, cardholders must activate their 5% according to the following schedule:

January – March April – June July – September October – December
Activate between Dec. 15, 2011 and March 14, 2012 Activate between March 15, 2012 and June 14, 2012 Activate between June 15, 2012 and September 14, 2012 Activate starting September 15, 2012

Discover More cardholders can login to their account online or call 1-800-DISCOVER (1-800-347-2683) to sign up for the 5% Cashback bonus program. Unlike Chase’s program, you must have signed up for the program before you can begin earning the 5% bonus cashback. Discover More cardmembers can begin signing up anytime the month prior to the start of a quarter. For instance, for the quarter of April to June, cardmembers can begin signing up March 1.

Citi Dividend cardholders also can sign up online at, by logging into their account online and clicking on the 5% cash back offer or by calling 1-800-231-0891.

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