{"id":99,"date":"2024-06-30T03:05:30","date_gmt":"2024-06-30T03:05:30","guid":{"rendered":"https:\/\/rewardssense.com\/us\/?p=99"},"modified":"2024-07-29T01:29:51","modified_gmt":"2024-07-29T01:29:51","slug":"credit-cards-with-five-percent-earn-rate","status":"publish","type":"post","link":"https:\/\/rewardssense.com\/us\/credit-cards-with-five-percent-earn-rate\/","title":{"rendered":"Credit cards with 5% earn rate"},"content":{"rendered":"\n

Credit cards with 5% earn rate in certain categories give you 5 points for every dollar spending, equivalent to at at least 5% cash back. These categories can be fixed, chosen by you, or rotating per quarter, depending on specific credit card programs.<\/p>\n\n\n\n

Credit cards with 5% earn rate in categories of your choice.<\/strong><\/p>\n\n\n\n

Credit Card<\/strong><\/td>Annual Fee<\/strong><\/td>Earn Rate<\/strong><\/td><\/tr>
U.S. Bank Cash+ Visa Signature Card <\/a><\/td>$0<\/td>– choose 2 categories<\/a> that earn 5% cash back on up to $2,000 in combined spending per quarter.
– choose another category that earns 2% cash back, with no spending cap.
– 1% back on all other purchases<\/td><\/tr>
Citi Custom Cash Credit Card<\/a><\/td>$0<\/td>– 5% cash back on purchases in the top eligible spending category each billing cycle (up to the first $500 per billing cycle)
– 1% on all other purchases<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

Credit cards with 5% earn rate in rotating categories<\/strong><\/p>\n\n\n\n

Credit Card<\/strong><\/td>Annual Fee<\/strong><\/td>Earn Rate<\/strong><\/td><\/tr>
Chase Freedom Flex<\/a><\/td>$0<\/td>– 5% cash back in rotating categories<\/a> (upon activation each quarter), on up to $1,500 in purchases per quarter
– 5% cash back on Lyft purchases and on travel purchased through Chase Ultimate Rewards
– 3% cash back on dining and drugstore purchases
– 1% on all other purchases<\/td><\/tr>
Discover it Cash Back<\/a><\/td>$0<\/td>– 5% cash back in rotating categories<\/a> (upon activation each quarter), on up to $1,500 in purchases per quarter
– 1% on all other purchases<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

Rotating categories can yield excellent value, but they also can be hit or miss. There can occasionally be a quarter when it\u2019s hard to maximize any of the bonus categories.<\/p>\n\n\n\n

Credit cards with 5% earn rate in fixed categories<\/strong><\/p>\n\n\n\n

Credit Card<\/strong><\/td>Annual Fee<\/strong><\/td>Earn Rate<\/strong><\/td><\/tr>
Prime Visa<\/a>
(Prime membership required)<\/td>		$0<\/td>– 5% back at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases, with no spending cap
– 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare)
– 1% on all other purchases<\/td><\/tr>
USAA Cashback Rewards Plus American Express Card<\/a><\/td>$0<\/td>– 5% cash back on the first $3,000 in combined gas and military base purchases yearly
– 2% cash back on the first $3,000 in grocery purchases yearly
– 1% on all other purchases<\/td><\/tr>
Redstone FCU Visa Signature Card<\/a><\/td>$0<\/td>– 5% cash back on restaurants and gas purchases
– 3% cash back on groceries, discount stores, wholesale clubs, utilities, phone and streaming services
– 1.5% on all other purchases<\/td><\/tr>
Chase Business Ink Cash Credit Card<\/a><\/td>$0<\/td>– 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year.
– 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
– 1% on all other purchases<\/td><\/tr>
American Express Blue Cash Preferred Card<\/a><\/td>$95<\/td>– 6% cash back on Groceries purchases, up to $6,000 per year in purchases at U.S. supermarkets
– 6% cash back on selected Streaming Subscriptions
– 3% cash back on Gas and Transit, including taxis, rideshare, parking, tolls, trains, buses.
– 1% on all other purchases<\/td><\/tr>
U.S. Bank Shopper Cash Rewards Visa Signature Card<\/a><\/td>$95<\/td>– 6% cash back on your first $1,500 in combined eligible purchases each quarter with two retailers you choose
– 3% cash back on your first $1,500 in eligible purchases on your choice of one everyday category (like wholesale clubs, gas and EV charging stations, bills and utilities)
– 1.5% on all other purchases<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

Some retailers and hotels also offer credit card with 5% earn rate, limited to only spending on that specific retailer\/hotel.<\/p>\n\n\n\n

<\/p>\n","protected":false},"excerpt":{"rendered":"

Credit cards with 5% earn rate in certain categories give you 5 points for every dollar spending, equivalent to at at least 5% cash back. These categories can be fixed, chosen by you, or rotating per quarter, depending on specific credit card programs. Credit cards with 5% earn rate in categories of your choice. Credit […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[6],"tags":[],"class_list":["post-99","post","type-post","status-publish","format-standard","hentry","category-credit-card"],"yoast_head":"\nCredit cards with 5% earn rate - Rewards Sense<\/title>\n<meta name=\"description\" content=\"Credit cards with 5% earn rate in certain categories give you 5 points for every dollar spending, equivalent to at at least 5% cash back. 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