Discover 5 Cash Back Calendars to Maximize Your Rewards

Introduction

Eager to earn cash back on your everyday purchases? A cash back calendar is your gateway to maximizing your rewards. These calendars provide a structured and convenient way to track your spending and take advantage of rotating cash back categories. Dive into our comprehensive guide to discover the top 5 cash back calendars that will transform your saving strategies.

1. Chase Freedom Flex℠

• Annual Fee: $0
• Cash Back Bonus: 5% on rotating categories (up to $1,500 per year), 1% on all other purchases
• Rotating Categories: Quarterly rotating categories (e.g., grocery stores, gas stations, department stores)

2. Discover it® Cash Back

• Annual Fee: $0
• Cash Back Bonus: 5% on rotating categories each quarter (up to $1,500 in combined purchases per year), 1% on all other purchases
• Rotating Categories: Quarterly rotating categories (e.g., gas stations, restaurants, Amazon.com)

3. Citi Premier® Card

• Annual Fee: $95
• Cash Back Bonus: 2% cash back on all purchases
• No Rotating Categories: Earn a flat 2% cash back on every purchase

4. American Express® Blue Cash Preferred® Card

• Annual Fee: $95
• Cash Back Bonus: 6% cash back at U.S. supermarkets (up to $6,000 per year), 3% cash back at U.S. gas stations, 1% cash back on all other purchases
• Rotating Categories: No rotating categories

5. Capital One SavorOne Cash Rewards Credit Card

• Annual Fee: $0
• Cash Back Bonus: 3% cash back on dining, entertainment, popular streaming services, grocery stores, and home improvement stores, 1% on all other purchases
• Rotating Categories: No rotating categories

Benefits of Using a Cash Back Calendar:

• Track Spending: Easily monitor your spending in different categories to identify areas where you can save money.
• Maximize Rewards: Stay on top of rotating cash back categories to optimize your earnings.
• Plan Ahead: Pre-plan your purchases to take advantage of upcoming cash back bonuses.

How to Use a Cash Back Calendar:

1. Choose a Calendar: Select a calendar that aligns with your spending habits and preferences.
2. Mark Key Categories: Highlight the categories where you typically spend the most money.
3. Plan Your Purchases: Schedule major purchases or payments to coincide with cash back bonuses.
4. Track Your Progress: Regularly review your cash back earnings and adjust your spending strategy as needed.

Common Mistakes to Avoid:

• Forgetting to Use the Card: Ensure you always use the designated credit card for qualifying purchases.
• Exceeding Category Limits: Pay attention to the spending caps for each category to avoid losing out on cash back.
• Overspending: Don't fall into the trap of spending more just to earn cash back.

Conclusion

A cash back calendar is an indispensable tool for savvy shoppers who want to maximize their rewards. By carefully tracking your spending and strategically using rotating cash back categories, you can significantly increase your cash back earnings. Explore the options presented in this guide and find the calendar that best suits your financial goals. Remember, the key to successful cash back maximization lies in planning, discipline, and consistency.