5% Bonus cashback comparison chart (Chase Freedom, Discover, Citi Dividend)     Citi Dividend Platinum Select Click for more info Chase Freedom Click for more info Discover More Click for more info         Activate Quaterly Promotion Link Activate Activate Activate   2012 Rewards Categories with bonus 5% cashback 2012   Q1 January - March Health Care Fitness Club Utilities Gas Stations Amazon.com Gas Stations Entertainment   Q2 April - June ? Grocery Stores Movie Theaters Restaurants Movies   Q3 July - September ? Gas Stations Restaurants Gas Stations Movies Theme Parks   Q4 October - December ? Hotels Airlines Best Buy Kohl's Department Stores Electronics Stores Toy Stores   2011 Rewards Categories with bonus 5% cashback 2011   Q1 January - March Health Fitness Purchases Grocery Stores Drug Stores Travel (airlines, hotels, car rentals, cruises) Restaurants (up to $800 spent) MARCH ONLY - Grocery and Drug Stores (up to $200 spent)    Q2 April - June Home improvement  Furnishing Garden purchases  Home Improvement Home Furnishings Lawn and Garden Home Improvement Stores Department Stores Clothing Stores (up to $400 spent) JUNE ONLY - Grocery and Drug Stores (up to $200 spent)    Q3 July - September Airline Hotel Car rental Gas Airlines Hotels Gas Hotels Movies Theme Parks   Q4 October - December ?  Dining Department Stores Movies Charities Restaurants Department Stores Clothing Stores    Limits Limit On 5% Bonus   Unless otherwise noted for any quater Total rewards limited to $300 annually 5% rewards limited to $1,500 in spending for the quarter 5% rewards limited to $1,500 in spending for the quarter    2010 Rewards Categories with bonus 5% cashback 2010    Q4 October - December Department Stores Clothing Electronics Grocery Stores Department Stores Movies Restaurants Fashion    Other purchases 1% Rewards on Everything Else?   Cashback on all other purchases Yes, but total rewards are limited to $300 per year Yes, unlimited Only 0.25% for the first $3,000 you spend each year, then 1% after that    Sign Up $100 Sign Up Bonus     Must spend $500 in first 3 months   Must spend $500 in first 3 months Must spend $500 in first 3 months     Redemtion           Check ($50 minimum)   Check or Deposit to chase account ($20 minimum) Statement Credit (any amount) Gift Cards (with few limited discounts of 10-20%)   Direct Deposit ($50 minimum/increments) Statement Credit ($50 minimum/increments) Gift Cards (with regular discount of  0-50%)   Bank Department Phone Fax Capital One Applications (New card declines) 800-933-5182 866-927-7871