Everything to Know: What Are Rotating Bonus Category Credit Cards?

Jan 03, 2023 By Triston Martin


Rotating bonus credit cards are a great way to maximize your rewards when making purchases. These cards offer higher rewards for certain purchases made during specific periods throughout the year. With this card, you can earn more rewards in a shorter period than with a traditional credit card.

What Are Rotating Bonus Credit Cards?

These offer higher reward points or cash back for a certain purchase for a limited period. For instance, some rotating bonus credit cards will offer 5% or 6% cash back on purchases made at grocery stores, while others may offer 3x points on all dining-related purchases. The categories and the number of bonuses vary from card to card. These categories can change monthly, quarterly, annually, or even more often, depending on the specific card.

Purpose of the Rotating Bonus Credit Cards

The purpose of rotating bonus credit cards is to help cardholders maximize their rewards. These credit cards offer an additional percentage of points or cashback on purchases made in certain categories that rotate periodically. Using a rotating bonus credit card, customers can save money and earn rewards more quickly than traditional cards. Additionally, these cards provide access to exclusive discounts, special offers, and cashback opportunities. With careful planning and prudent spending, rotating bonus credit cards can greatly optimize your rewards.

Factors to Consider When Choosing Rotating Bonus Credit Cards

When choosing a rotating bonus category credit card, it is important to consider the types of rewards offered, the earning rate for each category, and any restrictions or limitations. It is also important to look at the annual fee, if any, and whether it is worth it for the rewards received. Additionally, introductory bonuses should be considered when considering which card to get. Lastly, factors such as acceptance of international merchants, customer service availability, and experience should be considered. Overall, research each option carefully to make the most cost-effective choice.

How Do Rotating Bonus Category Cards Work?

The way rotating bonus credit cards works is simple. When you make a purchase that fits into one of the categories listed on your card, you will receive a higher rate of reward points or cash back than what you would normally earn with any other type of credit card. For example, if your card offers 5% or 6% cash back for grocery store purchases during a certain period, those purchases made within that period will receive bonus rewards. Once the period ends and the bonus category changes to a different type of purchase, such as gas or entertainment, all new purchases in that category will be eligible to receive the higher reward rate.

Benefits of Rotating Bonus Credit Cards

These can provide a range of benefits to cardholders. The most obvious advantage is that you can earn more rewards quickly than traditional credit cards. This makes them ideal for those who like maximizing their rewards and saving on everyday purchases. In addition to earning more rewards, rotating category credit cards also give you the flexibility and freedom to choose when and how you want to receive your rewards. Since they offer different categories at different times throughout the year, you can decide which purchase will be best for your needs and budget at any given time.

Disadvantages of Rotating Category Cards

One potential disadvantage of bonus category cards is that you may only sometimes be able to take full advantage of the higher reward rates. This can be an issue if you don’t keep track of when and what type of purchases are eligible for the bonuses or if your spending habits don’t align with the categories specified by the card issuer. In addition, since these cards often have high annual fees, they may not be suitable for those who do not make enough purchases throughout the year to offset the cost.


Rotating bonus credit cards can offer great reward opportunities if used properly. They give users more flexibility and freedom to choose when and how they want to receive their rewards, as well as the potential to earn more rewards in a shorter period. However, it’s important to understand the categories eligible for the higher reward rate and any associated costs or fees before signing up for one of these cards. Doing so can help ensure you get the maximum benefit from your card.

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