Credit Cards

Activate 2020 4th Quarter Bonus Categories

It’s the 15th of the 3rd month of the quarter so it’s time to activate bonus categories for card that have quarterly bonuses for next quarter.  All of these cards offer bonus points or cash back on up to $2000 in purchases during the quarter.

US Bank Cash+

If you’re not already getting 5x Ultimate Rewards points by using a Chase Ink card (and even if you are!) you may want to switch the card you’re using for payment for TV/Internet/Streaming Services and Cell Phones.  You must register your card before December 25th to get the bonus cash-back in the categories you select.  As a reminder, you choose two 5% categories and one 2% category.  To register, click on the link in the email you received from US Bank or visit this link.  I’m choosing Home Utilities (as usual) and Gyms (as usual).

Discover Card

Discover has already given us the full calendar for 2020.  For Q4 the categories are:

Pretty good categories for your holiday shopping.

Chase Freedom

Chase Freedom’s Q4 categories are Walmart and PayPal.  I expect this to be very popular for holiday shopping.

To register you can go to this link to look at the calendar, then click on the Activate Now button as seen above.

In the end

Always register for the bonus categories even if you don’t think you’re going to use them.  You’ll never know when they might come in handy!

Categories: Cash Plus, Chase, Credit Cards, Discover, Freedom, US Bank | Tags: , , , | Leave a comment

Upgrades to the Chase Freedom Unlimited

The Chase Freedom Unlimited (CFU) is already a pretty great card. It has no annual fee and offers 1.5 Ultimate Rewards (UR) points on each purchase. Those URs can be exchanged for 1 cent per point (cpp) on your credit card statement or, if you have one of Chase’s premium UR-earning cards, the Sapphire Preferred (CSP) or the Sapphire Reserve (CSR), the UR points can be transferred to one of Chase’s hotel or airline partners or redeemed for travel purchases through the Chase portal at the rate of 1.25 cpp (CSP) or 1.5 cpp (CSR).

Starting Sunday, September 13th the earning rate gets even better.

When you purchase travel products through the Chase portal and pay with your CFU card you’ll now receive 5x UR points! This is a fantastic rate though you’ll need to be aware of two things. First, the CFU *does* impose foreign transaction fees of 3% so you’d only want to use this card for purchases on US-based airlines. Second, your purchase will be made through Expedia, on online travel agency, so that’s another layer between you and the airline should your travel plans change. Hopefully that will never be an issue but I always want to point that out.

Next, the CFU will now earn 3x UR points for Dining, which includes not only restaurants but take out delivery services. In addition, you’ll get complimentary 3 months of DashPass which is DoorDash’s subscription service that offers $0 delivery fee on orders over $12. After your 3 months are up you’re automatically enrolled in DashPass for the remaining 9 months at 50% off.

The third upgraded category is drugstores where you’ll now earn 3x UR points per purchase.

Additionally if you use your CFU for Lyft you’ll earn 5x UR points on Lyft rides through March 2022.

If you don’t have the Freedom Unlimited the current signup offer is an easy one to meet. Once you’re approved and spend $500 on purchases in the first 3 months after approval you’ll earn 20,000 UR points (equivalent to $200 cash back). If you are approved via this link I will also earn a small commission.

More to Come?

The Dining category on this free card is now better than the $95-per-year Sapphire Preferred and equivalent to the $550-per-year Sapphire Reserve so the general consensus is that there will be upgrades coming to those cards soon.  Personally I use the Discover Card and the Chase Freedom card during quarters they offer 5%/5x points and the American Express Gold Card which offers 4x points on Dining but as a fall back I’ve used the CSR.  It would be great to see upgrades to the points categories for the CSP and CSR soon.

Categories: Chase, Credit Cards, Freedom Unlimiited | Tags: , | Leave a comment

US Bank Cash+ Promo: Gas, Sporting Goods/Bike Shops, Motorhome/RV Rentals [Targeted]

Edit: a short time after receiving this offer on my Cash+ card, I received the same offer on my Radisson Rewards Visa.

 

US Bank is back with another limited time promo on their Cash+ card. This one is good through September 30, 2020.

The bonuses are limited by category but can total up to $90 as follows:

  • 3% cash back on purchases at Gas Stations (up to $20 statement credit)
  • 3% cash back on purchases at Sporting Goods and Bike shops (up to $20 statement credit)
  • 5% cash back on Motorhome and RV Rentals (up to $50 statement credit)

This is a nice extra for folks who are hitting the road in an RV for a last summer fling or for those who may not otherwise have gas as a bonus category. While 3% is nice at gas stations, it’s not something I’ll be taking advantage of because the Chase Sapphire Preferred is currently offering 5x points at gas stations. Otherwise I’d be using my Citi Premier card that always earns 3x at gas stations and since each point is worth more that a penny, it makes more sense to earn points in this situation.

To register for this promo, look for for an email in your inbox. You must register by August 31st.

One other thing to note is that each quarter you have the option of selecting sporting goods as a 5% category with the Cash+ card. In reading the fine print it would appear the 3% earned here is in addition to the cash back earned otherwise. So if you selected sporting goods for this quarter you could earn a total of 8% cash back. That’s nice if you have a special purchase in mind.

Were you targeted for this promotion? Will you take advantage of it?

Categories: Cash Plus, Credit Card Promos, Credit Cards, US Bank | Tags: , , | 1 Comment

US Bank Cash+ offer for $10 cash back on insurance payments

One thing I like about the US Bank Cash+ card is that it offers you your choice of categories each quarter where you can earn increased rewards. You can select two 5x categories and 1 2x category, which is really nice for a card with no annual fee. While a number of these categories are ones seen on other cards, grocery, gas, clothing, etc. they also include categories I don’t see with other cards. I especially love that home utilities is a 5x choice. My home utility bill includes not only electricity, gas and water but also sewer charges, fire protection (I’m not in the city limits so I don’t pay taxes for that) and mosquito control. They also offer gym memberships and sporting goods as categories and I’ve been able to take advantage of getting 5% cash back on those fees too.

Now they’re adding a 1-time statement credit of $10 for insurance payments. Just this week I received my auto insurance bill so it’s perfect timing for me. There’s a limit of one $10 bonus and this offer expires October 31, 2020. So even if you don’t have this card yet, it’s not to late to apply and use it for this purpose.

Will you take advantage of this offer?

Categories: Cash Plus, Credit Card Promos, Credit Cards, US Bank | Tags: , | Leave a comment

Activate 2020 3rd Quarter Bonus Categories

It’s the 15th of the 3rd month of the quarter so it’s time to activate bonus categories for card that have quarterly bonuses for next quarter.  All of these cards offer bonus points or cash back on up to $2000 in purchases during the quarter.

US Bank Cash+

If you’re not already getting 5x Ultimate Rewards points by using a Chase Ink card (and even if you are!) you may want to switch the card you’re using for payment for TV/Internet/Streaming Services and Cell Phones.  You must register your card before September 25th to get the bonus cash-back in the categories you select.  As a reminder, you choose two 5% categories and one 2% category.  To register, click on the link in the email you received from US Bank or visit this link.  I’m choosing Home Utilities (as usual) and Gyms (as usual).

Discover Card

Discover has already given us the full calendar for 2020.  For Q3 the categories are:

This is a great category for me as I eat out a lot.

Don’t forget that Discover added Home Depot for the month of June as a 5% category and Home Depot sells gift cards, although the one near me does not sell the variable load Visas.

Chase Freedom

Q3’s Chase Freedom categories are Amazon and Whole Foods.  With so many people ordering online, this will no doubt be a popular category.  You can redeem the Ultimate Rewards (UR) points earned through these purchases in several ways.  As a statement credit they’re worth one cent apiece.  You can use them to book travel through the Chase portal, also for one cent apiece.  Where their value really shines is if you have either the Chase Sapphire Preferred (CSP) or Chase Sapphire Reserve.  Though these cards carry annual fees ($95 for CSP, $450 for CSR) you can combine the UR points earned on the Freedom with those earned on your other UR-earning card and transfer them to several airlines and hotel groups.  Or you can book through the Chase travel portal for 1.25 cents apiece if you have the CSP or 1.5 cents each if you have the CSR.  I have the CSR and my friends and I booked a lovely ocean-front condo on the Sunshine Coast of Australia using UR points at 1.5 cents each.  It was a fantastic way to top off our trip Down Under.

To register you can go to this link to look at the calendar, then click on the Activate Now button as seen above.

In the end

Always register for the bonus categories even if you don’t think you’re going to use them.  You’ll never know when they might come in handy!

Categories: Cash Plus, Chase, Credit Cards, Discover, Freedom, US Bank | Tags: , , , | Leave a comment

Bonuses Galore

Chase, American Express and Citibank have each unleashed a slew of new bonuses for those who carry their travel-related cards. Since folks aren’t spending money on travel, they’ve increased the bonus points earned at groceries on cards you might not otherwise be using there. Amex and Citibank are also giving you different ways to spend the travel credit that come with some of their premium cards.

All of these changes are temporary as we deal with this virus. While it’s great to have these options, let’s hope they don’t have to come up with more creative ways to incentivize us to use their cards once these offers run out. That will mean we are or will soon be traveling again. Continue reading

Categories: Chase, Citi Prestige, Citibank, Credit Card Promos, Credit Cards, Delta Amex, Hilton Aspire, Hilton Surpass, IHG Rewards Card, Marriott Rewards Card, Membership Rewards, Sapphire Preferred, Sapphire Reserve | Tags: , , , | Leave a comment

Activate 2020 2nd Quarter Bonus Categories

It’s the 15th of the 3rd month of the quarter so it’s time to activate bonus categories for card that have quarterly bonuses for next quarter.  All of these cards offer bonus points or cash back on up to $2000 in purchases during the quarter.

US Bank Cash+

Even though TV, Internet & Streaming Services are shown as new below, though it’s been available for several quarters now.  If you’re not already getting 5x Ultimate Rewards points by using a Chase Ink card (and even if you are!) you may want to switch the card you’re using for payment.  You must register your card before June 25th to get the bonus cash-back in the categories you select.  As a reminder, you choose two 5% categories and one 2% category.  To register, click on the link in the email you received from US Bank or visit this link.  I’m choosing Home Utilities (as usual) and Gyms (as usual).

Discover Card

Discover has already given us the full calendar for 2020.  For Q2 the categories are:

If you’re a wholesale club member or can get Visa gift cards at gas stations, this quarter could earn you a lot of cash back.

 

Chase Freedom

If you don’t have a Chase Ink card that earns 5x points on internet/cable/phone already and don’t want to use one of your US Bank categories, this is the quarter to use your Chase Freedom card on those bills.  Otherwise use this card for your gas purchases (and gift cards, if sold there) and on any streaming services you may use.

To register you can go to this link to look at the calendar, then click on the Activate Now button as seen above.

 

Categories: Cash Plus, Chase, Credit Cards, Discover, Freedom, US Bank | Tags: , , , | Leave a comment

Activate 2020 1st Quarter Bonus Categories

I’m a little late with this post but it’s time to activate bonus categories for card that have quarterly bonuses for next quarter.  All of these cards offer bonus points or cash back on up to $2000 in purchases during the quarter.

US Bank Cash+

Even though TV, Internet & Streaming Services are shown as new below, though it’s been available for several quarters now.  If you’re not already getting 5x Ultimate Rewards points by using a Chase Ink card (and even if you are!) you may want to switch the card you’re using for payment.  You must register your card before December 26th to get the bonus cash-back in the categories you select.  As a reminder, you choose two 5% categories and one 2% category.  To register, click on the link in the email you received from US Bank or visit this link.  I’m choosing Home Utilities (as usual) but instead of my usual Gym category I’m going with sporting goods this time.  Since I’ll have a couple of ski trips during the first quarter of 2020 and I may buy something at one of the shops, it will cost more than my monthly gym membership so I’ll get a better value there.

Discover Card

Discover has already given us the full calendar for 2020.  For Q1 the categories are:

This is an easy one to max out as you can buy Visa gift cards at these places and load them to your Bluebird or turn them into money orders.

 

Chase Freedom

If you don’t have a Chase Ink card that earns 5x points on internet/cable/phone already and don’t want to use one of your US Bank categories, this is the quarter to use your Chase Freedom card on those bills.  Otherwise use this card for your gas purchases (and gift cards, if sold there) and on any streaming services you may use.

To register you can go to this link to look at the calendar, then click on the Activate Now button as seen above.

 

Categories: Cash Plus, Chase, Credit Cards, Discover, Freedom, US Bank | Tags: , , , | Leave a comment

Discover 5% Categories Calendar for 2020 is Released

As they’ve done for the past couple of years, Discover Card has released its full cash-back calendar for the upcoming year. I really like that they do this and wish Chase would do this for their Freedom categories as well.

For Q1 the categories are Grocery Stores, Walgreens and CVS. Is it significant that other drug stores are excluded? I’m not sure. For me this is the easiest category to max out as I can buy Visa gift cards and load them to my Bluebird account.

Q2 categories are Gas Stations, Uber/Lyft and Wholesale Clubs. I no longer have any wholesale club memberships so that category doesn’t help me. In the past I’ve struggled with the gas station category as I usually only have to fill my car up 2-3 times per month and gas stations typically don’t sell $500 gift cards. But now that I have a Bluebird card again, I may see if I can find some gas stations that sell $100 or $200 cards and allow me to pay with a credit card. Time will tell.

For the third quarter, the categories are Restaurants and PayPal. I don’t use PayPal but usually have no problem maxing out the Restaurant category.

The last quarter’s categories are aimed at online holiday shoppers: Amazon, Walmart.com and Target.com. I won’t get close to maxing out but maybe I can make a dent in those categories.

You can activate the first quarter categories now. As always, the 5% cash back is good for up to $1500 in purchases each quarter.

Which quarter will be easiest for you to max out?

Categories: Credit Card Promos, Credit Cards, Discover | Tags: , , | Leave a comment

Activate 4th Quarter Bonus Categories

It’s the 15th of the last month of the quarter which means it’s time to activate bonus categories for card that have quarterly bonuses for next quarter.  All of these cards offer bonus points or cash back on up to $2000 in purchases during the quarter.

US Bank Cash+

Even though TV, Internet & Streaming Services are shown as new below, though it’s been available for at least a couple of quarters now.  If you’re not already getting 5x Ultimate Rewards points by using a Chase Ink card (and even if you are!) you may want to switch the card you’re using for payment.  You must register your card before September 25th to get the bonus cash-back in the categories you select.  As a reminder, you choose two 5% categories and one 2% category.  To register, click on the link in the email you received from US Bank or visit this link.

Discover Card

Discover gave us the full year’s calendar late last year:

The fourth quarter was originally announced as Amazon but now they’ve added Target (in-store) and Walmart.com.  None of these is particularly great for me.  To register, sign in to your Discover account and click on the Activate button.

 

Chase Freedom

Chase’s fourth quarter categories may help those who need to shop for the holidays.  You can earn 5x Ultimate Reward points for shopping at department stores, having your card tied to PayPal and with Chase Pay.  You can redeem the URs for a penny apiece on your credit card statement or, if you have one of the UR-earning cards that comes with an annual fee you can transfer these points to airline frequent flyer programs or hotel loyalty programs.  Alternately you can shop through the UR portal and use the points like cash.

To register you can go to this link to look at the calendar, then click on the Activate Now button as seen above.

 

Categories: Cash Plus, Chase, Credit Cards, Discover, Freedom, US Bank | Tags: , , , | Leave a comment

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