•Rotating categories: Some cards have rotating categories that are seasonal quarters where specific spending categories earn higher rewards for a particular period, for instance gas, groceries, online shopping.•Rotating categories: Some cards have rotating categories that are seasonal quarters where specific spending categories earn higher rewards for a particular period, for instance gas, groceries, online shopping.•Rotating categories: Some cards have rotating categories that are seasonal quarters where specific spending categories earn higher rewards for a particular period, for instance gas, groceries, online shopping.•Rotating categories: Some cards have rotating categories that are seasonal quarters where specific spending categories earn higher rewards for a particular period, for instance gas, groceries, online shopping.