Earning 5% cashback on purchases presents an excellent opportunity to maximize savings while you shop. While numerous credit cards are available in the market, only a select few offer 5% cashback rate. These exclusive cards provide enhanced value throughout the year on specific spending categories. Leading credit cards that offer 5% cashback are:
- Chase Freedom
- Discover It
- Citi Custom Cash
Chase and Discover have announced 5% cashback categories for Q3 2025. Starting 1st July, credit card customers can earn cashback on new spend categories.
Cashback Credit Cards |
Q1 |
Q2 |
Q3 |
Q4 |
5% Cashback Calendar 2025 |
1st January – 31 March |
1st April – 30 June |
1 July – 30 September |
1 October – 31 December |
| Chase Freedom | Grocery stores, fitness clubs and gym memberships and hair, nails and spa services, Norwegian Cruise Lines | Amazon purchases and select streaming services | Gas stations, EV charging, select live entertainment, Instacart (Birthday bonus category) | Announcing on Sep. 15, 2025 |
| Discover It | Restaurants, Home Improvement Stores, and Select Streaming Services | Grocery Stores and Wholesale Clubs | Gas Stations & EV Charging, Public Transit, and Utilities | Announcing on Sep 1, 2025 |
| Citi Custom Cash | Earn 5% cash back on the top eligible spend category, no enrollment required. 5% cashback is applied automatically on the first $500 spent every month. Eligible categories: Restaurants, gas stations, grocery stores, select travel, select transit, select streaming services, drugstores, home improvement stores, fitness clubs, live entertainment. | |||
Both Discover It and Chase Freedom cards offer 5% cashback on up to $1,500 in purchases post activation. You can activate the offer in mobile app, logging into your account, through the email activation link and earn 5% cashback.
