It’s now attainable to activate all 5% class bank cards for the second quarter of 2026, together with the Chase Freedom, Chase Freedom Flex, Uncover IT, Citi Dividend, US Financial institution Money+ and a few smaller playing cards. On this submit we’ll present the activation hyperlink for every card, spend tracker hyperlinks, and methods to assist improve spend inside these classes.
Dates: April 1st – June 30, 2026. Retailer purchases can normally be performed till the final minute whereas on-line purchases ought to be given a buffer zone because the cost usually posts on the transport date.
Chase Freedom – Amazon, Chase Journey, Feeding America
Activation Hyperlink / FAQ / Our unique submit
With the Chase Freedom and Freedom Flex playing cards, activate to earn 5% again this quarter on as much as $1,500 in spend on Amazon, Chase Journey, and Feeding America.
- Amazon – might be a stable return for somebody who doesn’t have the Amazon 5% card or who values Final Rewards extremely.
- Chase Journey – this could find yourself as 9x on the Freedom Flex card since that card at all times earns 4x bonus on Chase Journey.
- Feeding America
Tip: Click on this hyperlink (login required) to examine how far you might be alongside the $1,500.
Uncover – Eating places, House Enchancment
Activation Hyperlink / Our unique submit
Together with your Uncover card, activate to earn 5% again this quarter on as much as $1,500 in purchases at Eating places and House Enchancment Shops.
- Restaurant purchases: This consists of purchases at or with full-service eating places, cafes, cafeterias, fast-food areas and caterers. Notice, bakeries and eating places situated inside or affiliated with one other enterprise might not qualify.
- House enchancment retailer purchases: Earn on on-line and in-store purchases at house enchancment retail shops, constructing provide shops, house furnishing shops, house equipment shops and flooring overlaying shops. Garden, nursery and backyard provide shops additionally rely towards class earnings.
Tip: Login, then click on this hyperlink to see you the way far alongside the $1,500 you might be.
Citi Dividend – Grocery, Citi Journey
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Together with your Dividend card, activate to earn 5% again this quarter on Amazon and choose Streaming providers. Citi is totally different than the opposite playing cards in that you’ve a $6,000 annual cap somewhat than a $1,500 quarterly cap. You may get 5% again on as much as $6,000 on this quarter, it can save you your entire quantity for a distinct quarter, or you should use half up every quarter.
- Grocery Shops – at all times a welcome class
- Citi Journey
U.S. Financial institution Money+/Elan – Choose your Classes
Activation hyperlink | Service provider Record | Our Unique Put up
U.S. Financial institution Money+ and Elan Max supply 5% money again in two classes, as much as $2,000 mixed whole per quarter.
Right here are the present choices:
- TV, Web, and Streaming Companies
- House utilities
- Choose clothes shops
- Cellphone suppliers
- Digital Shops
- Gyms/Health
- Quick meals
- Floor Transportation
- Sporting items
- Division Shops
- Furnishings Shops
- Film theaters
Tip: Login right here, then scroll down and click on on the pink “View Your Money+ Historical past” button.
U.S. Financial institution Shopper – Choose your Classes
The U.S. Financial institution Shopper Money Rewards comes with a $95 annual payment and presents 6% cashback in your first $1,500 in mixed eligible purchases every quarter with two retailers you select. Choices embody Amazon, Apple, Finest Purchase, House Depot, Lowe’s, Walmart, Goal, and plenty of extra. You should enroll every quarter for 2 retailers.
Financial institution of America Custom-made Money Rewards
The Money Rewards card from Financial institution of America presents 3% again on one chosen class, as much as $2,500 per quarter. For those who don’t choose something it defaults to gasoline. As soon as you chose a class for one quarter, that is still your class sooner or later except you alter it. Every calendar month you’ll be able to change it when you’d like, however you’re at all times restricted to $2,500 for your entire quarter.
- Fuel and EV charging stations (default class)
- On-line Buying; this class additionally consists of cable, streaming, web, and telephone plan
- Eating
- Journey
- Drug Shops
- House Enchancment/Furnishings
This class is very profitable for many who have Most popular Rewards standing with Financial institution of America which may get you 5.25% again on one in every of these classes on the larger relationship degree.
A lot of helpful classes right here. Essential observe: the Money Rewards card additionally presents 2% again at grocery shops and wholesale golf equipment as much as $2,500 per quarter, and that $2,500 restrict combines with the Class Choice restrict. After spending $2,500, you’ll earn 1% again on the whole lot.
Different Playing cards with 5% Class
Nusenda FCU – Wholesale, Low cost, House & Extra
Touchdown Web page & PDF| Our Unique Put up | 2025 Put up
- Earn 5% this quarter on as much as $1,500 in purchases for Tools, Furnishings, and House Furnishings Shops, Miscellaneous Home Furnishing Specialty Outlets, Reupholstery and Furnishings Restore, Furnishings Refinishing, Tools Leases and Leasing Companies, Device Rental, Furnishings Rental, and Equipment Rental, Gardening/Nurseries, Florist Provides, Nursery Inventory, and Flowers, Nurseries, Garden and Backyard Provide Shops, House Enchancment, House Provide Warehouse, Lumber and Constructing Supplies Shops, Glass, Paint and Wallpaper Shops, {Hardware} Shops, Ground Protecting Shops, Material, Upholstery, and Window Coverings Shops, Hearth, Hearth Screens, and Equipment Shops, Family Equipment Shops, Auto, House Provide Shops (legitimate for Mastercard), Wholesale Golf equipment, Low cost Retailer.
That is on prime of the common 1% for a complete earn of 6% again.
Langley FCU – Varied
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- Langley Federal Credit score Union presents 5% again every month in a single chosen class, on as much as $100 money again whole ($2,000 spend).
- The class choices at time of this writing: Automotive Companies, Eating, and Amazon. (by way of electronic mail: Automotive Companies consists of charging, gasoline, and automotive upkeep)
Huntington Enterprise Voice – Choose 4% Class
Huntington Voice Enterprise bank card you select one in every of ten classes the place you’ll earn 4% money again—on the primary $7,000 you spend per quarter.
- Class choices: Grocery Shops, Fuel Stations, Eating places, Journey and Leisure, House Enchancment Shops, Utilities and Workplace Provide Shops, Division, Attire, and Sporting Items Shops, Digital, Laptop, and Digital camera Shops, Low cost and Warehouse Shops, Auto Components and Companies Shops.
Secure Credit score Union [CA] – Varied
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Secure Credit score Union Money Rewards Visa card presents 5% this quarter in your alternative of 1 class every quarter, now restricted to $1,500 in spend every quarter. This quarter the class is one in every of these three:
- Wholesale Golf equipment, {Hardware} Shops, Pet Care.
Redstone FCU (TN,AL) – Eating, Journey, Amazon & Extra
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- Redstone Visa presents 5% on a class of your alternative: journey, Amazon, eating places, house enchancment, and extra choices.
- $1,500 cap per quarter.
- For Q1 2026, the default class is eating places when you don’t select. After that there is no such thing as a class when you don’t choose it.