Top 5% Cash Back Credit Cards for Q4 2025: Amazon, Pharmacies, Old Navy & Department Stores

As we enter the final quarter of 2025, several credit cards are offering 5% cash back on rotating categories like Amazon, drugstores, Old Navy, and select department stores. By paying attention to these quarterly categories, you can easily boost your rewards by hundreds of dollars annually without changing your normal spending habits. Some cards even allow you to purchase gift cards for other retailers to use later, while new cardholders may qualify for extra sign-up bonuses.

Discover it Card

From October 1st through December 31st, 2025, you can earn 5% cash back on up to $1,500 spent in the following categories:

• Amazon.com
• Drug Stores

Enroll after logging into your online account. 5% rewards won’t apply until after you activate your rewards, so it is best to activate now before you forget. No annual fee.

Discover it $100 bonus + Double Cashback Match details. If you are a new applicant and sign up via Discover Card referral link, you will get a $50 improved $100 Cashback Bonus after your first purchase within 3 months of being account opening. On top of that, you will also get Cashback Match for an entire year – a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically. During those 12 months, your 5% cash back rewards becomes 10% cash back, and your 1% cash back rewards become 2% cash back. You can verify this on the application by looking under “Terms and Conditions” or searching for “cashback match” and “statement credit offer”:

Refer a Friend: You will receive a $100 statement credit after making a purchase within three months of account opening. A Balance Transfer or Cash Advance does not qualify as a purchase. You must apply online through your friend’s digital referral link and be approved by 11:59pm ET, December 31, 2025 in order to be eligible for the $100 statement credit offer. Phone, mail-in, and other digital applications are not eligible for referral rewards. Offer may not be combined with any other introductory offer. Promotional award will be applied within 8 weeks.

Cashback Match: We’ll match all the cash back rewards you’ve earned on your credit card from the day your new account is approved through your first 12 consecutive billing periods or 365 days, whichever is longer, and add it to your rewards account within two billing periods. You’ve earned cash back rewards only when they’re processed, which may be after the transaction date. We will not match: rewards that are processed after your match period ends; statement credits; rewards transfers from Discover checking or other deposit accounts; or rewards for accounts that are closed. This promotional offer may not be available in the future and is exclusively for new cardmembers. No purchase minimums.

Chase Freedom Flex Card

From October 1st through December 31st, 2025, you can earn 5% cash back (or 5X Ultimate Rewards points) on up to $1,500 spent in the following categories:

• Old Navy
• Department Stores
• Chase Travel

(The categories are also the same for the old Chase Freedom card, which is no longer available to new applicants.)

Enroll each quarter online in your Chase account or at ChaseBonus.com. As long as you activate by the 14th of the last month in each quarter, the rewards are retroactive. Technically, you earn Ultimate Rewards points which may be worth even more when converted to airline miles or hotel points instead of cash if you have a Chase Sapphire Preferred or Chase Sapphire Reserve card. You could also use the Pay Yourself Back tool to additional value. Currently, the Chase Freedom Flex card is offering new applicants a $200 bonus if you sign up and make $500 in purchases in your first three months. No annual fee.

Citi Custom Cash Card

This card offers 5% cash back on your *single* top eligible spending category up to $500 each month (which effectively adds up to $1,500 a quarter). Eligible categories include broad ones like restaurants, gas stations, grocery stores, or select travel, but you only get 5% for the top category that month and 1% on everything else. To simplify things you could, for example, elect to only use this card for 5% cash back on gas all year long (up to $500 per month).

Currently, the Citi Custom Cash card is offering new applicants a $200 bonus after you spend $1,500 on purchases in the first 6 months of account opening. You’ll actually get 20,000 ThankYou® Points, which can be redeemed for $200 cash back. No annual fee.

Blue Cash Preferred® Card from American Express

• 6% cash back at US supermarkets all year long (on up to $6,000 per year)
• 6% cash back at select US streaming subscriptions (includes Disney+, Hulu, ESPN+, Netflix, Sling, Vudu, Fubo TV, Apple Music, SiriusXM, Pandora, Spotify, YouTube TV, and more).
• $120 Disney Streaming Credit (now up to $10 per month with no minimum or bundle required). You can now earn up to $10 back per month as a statement credit when you use your enrolled Blue Cash Preferred® Card to purchase a subscription, or bundle subscription, on DisneyPlus.com, Hulu.com, or Plus.espn.com U.S. websites, now with no minimum purchase requirement. Subscription is subject to auto-renewal.
• 3% cash back at US gas stations and transit (taxis/rideshare, parking, tolls, trains, buses and more).
• $0 intro annual fee for the first year, then $95. (See Rates and Fees)
• Terms Apply.

I use this card all year long for 6% cash back on groceries up to the limit and put all my streaming services on it (including Disney+), and then in December use up the $6k annual limit on gift cards bought in the supermarket aisle. New cardholders are also eligible for a $250 welcome offer after $3,000 in purchases within the first 6 months. See details in link.

U.S. Bank Cash+ Visa Signature Card

You must choose the two 5% cash back categories every quarter, out of a preset selection of specific categories:

• Fast Food
• Cell Phone Providers
• Home Utilities
• Ground Transportation
• Select Clothing Stores
• Electronics Stores
• Car Rentals
• Gyms/Fitness Centers
• Sporting Goods Stores
• Department Stores
• Furniture Stores
• Movie Theaters
• TV, Internet, and Streaming Services

Unfortunately, you can’t pick a broad category like gas stations, restaurants, or grocery stores. Make sure to choose your categories each and every quarter, even if you want them to stay the same. If you do not choose your categories, all purchases revert to only earning 1% cash back for that quarter. No annual fee. Currently, new applicants are offered a $200 bonus after you spend $1,000 in eligible purchases within the first 120 days of account opening.

Amazon Prime Rewards Card

Earn 5% back at Amazon.com and Whole Foods all year long. Up to 10% cash back on select items during special promos. Prime membership required. New cardholder bonus varies by account. No annual fee.

Citi Dividend Card. This card has not been available to new applicants for years now, but if you still have the grandfathered card you can view and activate your quarterly 5% category here. Limit of $300 cash back for the calendar year.

Rates and Fees for Blue Cash Preferred® Card from American Express :See Rates and Fees; terms apply