Yes, each quarter you need to choose your Cash+ Categories. You earn 5% cash back on your first $2,000 in eligible net purchases each quarter on the combined two categories you choose. You earn 2% cash back on your choice of one everyday category, and 1% cash back on all your other eligible net purchases. You will begin earning additional cash back on eligible net purchases in your Cash+ Categories three business days after you make your selections. If you do not choose your Cash+ Categories each quarter, all your eligible net purchases will still earn 1% cash back. Cash+ Categories are subject to change quarterly.