Freedom

It’s a new quarter, activate bonus categories now!

Today is the start of the second quarter of 2018 so time to activate your bonus categories if you haven’t already done so.  The Chase Freedom, Discover and US Bank Cash Plus cards all offer 5% bonus categories good for up to $1500 in spend.  Both Discover and Chase Freedom have grocery stores as their category though with the Freedom card you can also use Chase Pay or Paypal to earn bonuses.  The US Bank Cash Plus card allows you to pick your 5% category and new this quarter is home utilities.  That’s a great category and I’m not aware of any other card offering that category so I hope it sticks around.  I don’t know if it includes telephone and television services or not but if you don’t have a Chase Ink card to earn 5% on those categories it’s certainly worth testing out. 

More information on the categories and how to register can be found in this postDon’t forget that to receive the Discover 5% cash back you must register before using your card.

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

Register Now for Q2 Category Bonuses

Registration is now open for quarterly bonus categories for the Chase Freedom, Discover and US Bank Cash+ cards.

Chase Freedom

Starting today you can register your Chase Freedom card and in April you’ll receive 5x Ultimate Rewards points on purchases made at grocery stores, Paypal and on purchases made through the Chase Pay mobile payment system.  You must activate by June 14, 2018 to earn 5x during this quarter but you don’t have to activate before you make your purchases.  You can earn the 5x points for up to $1500 in purchases.  After that you’ll earn the usual 1x points per dollar.  Note that you won’t earn points at Wal-Mart or Target grocery stores unless you pay via Chase Pay or Paypal.

Discover Card

Discover has chosen to reveal their entire 2018 calendar and for the second quarter their 5% cash back category is Grocery Stores.  To register, just log into your Discover account online or visit this link to log inNote that to receive the 5% cash back you must register first before making your purchase.  You can earn 5% back on up to $1500 in purchases.

US Bank Cash+

US Bank is changing things up just a little by adding Home Utilities and removing Bookstores.  Select 1 of the 2% categories and 2 of the 5% categories, based on your needs.  For the 5% category you can earn the 5% on up to $2000 in purchases.  To select your categories, visit the US Bank Cash+ website.

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

Register Now for 2018 Q1 Bonus Categories

Registration is now open for quarterly bonus categories for the Chase Freedom, Discover and US Bank Cash+ cards.

Chase Freedom

Starting today you can register your Chase Freedom card and starting in January you’ll receive 5x Ultimate Rewards points on purchases made at gas stations, for internet/cable/cell phone service and on purchases made through mobile pay systems like Apple Pay, Android Pay, Chase Pay and Samsung Pay.  You must activate by March 14, 2018 to earn 5x during this quarter but you don’t have to activate before you make your purchases.  You can earn the 5x points for up to $1500 in purchases.  After that you’ll earn the usual 1x points per dollar.

Discover Card

Discover has chosen to reveal their entire 2018 calendar and for the first quarter their 5% cash back categories are Gas Stations and Wholesale Clubs.  To register, just log into your Discover account online or visit this link to log inNote that to receive the 5% cash back you must register first before making your purchase.  You can earn 5% back on up to $1500 in purchases.

US Bank Cash+

US Bank is always the first to reveal the categories for the next quarter.  As we reported last month, they have their usual array of categories for you to select 1 of the 2% categories and 2 of the 5% categories, based on your needs.  For the 5% category you can earn the 5% on up to $2000 in purchases.  To select your categories, visit the US Bank Cash+ website.

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

Q4 Bonus Categories Announced

As happens each quarter, three card issuers offer bonus categories for the following quarter.  As of today you can finally register for all three.

Discover Card

Discover is offering 5% cash back at Amazon.com and at Target.  Just log into to your account at Discover.com to register.  You must register before you’ll receive the 5% cash back. Continue reading

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

2017 Q3 Starts Today – New Bonus Categories Activated

Just a quick reminder that today is the first day of the 3rd quarter of 2017, so if you have a card with rotating quarterly bonus categories, it’s time to move those cards to the front of your wallet.

For the Discover Cards, you’ll earn 5% cash back at restaurants.

For US Bank, you’ll have the categories you’ve chosen as most valuable to you.

For the Chase Freedom card, restaurants and movie theaters will earn you 5 Ultimate Rewards (URs) points for each dollar.  You can choose to redeem those URs as cash back on your credit card statement at the rate of 1 cent per point.  However, if you have another Chase card that earns URs and that card has an annual fee, you can pool your points and transfer them to various airline and hotel programs where it’s possible to get more than 2 cents per point in value.

So plan your purchases carefully for the next quarter!

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Chase Freedom Q3 Bonus Categories Announced

Chase has announced the 5x bonus categories for their Freedom credit card for the third quarter of 2017.  As I figured, Restaurants are on the list as are Movie Theaters. I hate that both the Chase Freedom and the Discover cards have the same bonus category in the same quarter. C’mon banks, help us out!

Using your Freedom card at Restaurants and Movie Theaters will earn 5 points per dollar spent, up to a max of $1500 spent.  While Chase bills this as 5% cash back – and you certainly can use it as cash back – you can make those points worth more than a penny apiece.  If you have the Sapphire Preferred, Sapphire Reserve or one of the Ink business cards that charge an annual fee, you can transfer these points to several airlines or hotels, where you can get more than 1 cent in value for the points.  For example, points can be transferred to United Airlines.  I’m currently looking for airfare for a Colorado ski trip in February, which is prime season.  I’d prefer to fly into the Vail/Eagle County Airport instead of making the trek from Denver.  But right now airfares are in the $590 range.  If I could find an award flight for 25K miles I’d be getting 2.3 cents in value for each point.

Registration is now available. You have until September 14th to register, but why wait? Click HERE to reach the calendar page.

Continue reading

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Register for Q2 Bonus Categories

Today is the 15th of the third month of the quarter and that means it’s time to register your Discover Card and Chase Freedom card for the next quarter’s bonus categories.  You can earn 5% back (Discover) or 5x points (Freedom) on purchases of up to $1500 on each card.  And if you haven’t already registered for your US Bank Cash+ card, here’s a reminder to do that now.

Discover Cards

Discover’s bonus categories this quarter are Home Improvement stores and Wholesale Clubs.  Home improvement stores often sell retail gift cards and perhaps in your area they sell Visa or MasterCard gift cards as well.  While you can’t use Discover at Costco, I know it’s accepted at Sam’s Club and they often sell Visa/MC gift cards too.  That would make it very easy to max out this quarter’s promo.  To register, click on the link in the email you receive – it is tied to your account which makes it super easy – or go to the registration page and log into your account.

Note: You must register for this promo BEFORE any purchases will receive the bonus.  So register now, before the quarter even starts.

 

Chase Freedom

For the Freedom card, this is one of my favorite quarters.  It’s so easy to max out this promo at grocery stores and drug stores as they both sell Visa gift cards as well as other useful items. (Hey, ya gotta eat!)  You must register for this promo by June 14th.

 

US Bank Cash+

US Bank opens up their registration much earlier that Discover or Freedom.  Selection for Q2 bonus categories has been available since mid-February.  As I mentioned in this post in February, the Charity category has gone away which was a great disappointment to me.  These are the US Bank Cash+ categories for Q2:

To register just click on this link and log into your US Bank account and make your selections.

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

Register now for Freedom Q1 Bonus Categories

Each quarter the Chase Freedom card offers 5x points in certain rotating categories.  Registration is now open for the first quarter of 2017.  The bonus categories are gas stations and local commuter transportation.  Note that this does not include parking, tolls or Amtrak purchases.  It also does not include merchants that do not specialize in selling automotive gasoline; for example, truck stops, boat marinas, oil and propane distributors, and home heating companies.  I assume this would include charges like Uber, however.

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It frustrates me that these categories overlap with Discover this quarter.  I wish they’d switch off so that it would be easier to max out each card.

I do not recall getting an email from Chase reminding me to register so go ahead and do it now before you forget about it!

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Register now for Discover Q4 bonuses

Yesterday was the first day of the last quarter of 2016.  With it comes a new opportunity to earn 5% back when using your Discover card.  This quarter’s bonus categories are Amazon.com, Department Stores and Sam’s Club – all places that can be useful for holiday shopping.  You may earn 5% cash back in these categories for the first $1500 in purchases through the end of the year.

Some Sam’s Club locations also sell Visa and/or MasterCard gift cards so that’s an easy way to max out your bonuses.

Registering for the bonus

I received an email from Discover that looks like this:

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Or you can log into your account at Discover.com to register for the bonus.  Either way, it’s a very simple process.

And if you haven’t already registered for the Freedom 5% bonus categories, now’s the time to do that too!

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Freedom Q4 Bonus Activation Now Live!

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The Chase Freedom card normally offers 1 Ultimate Reward point per dollar spent.  But each quarter the card offers bonus categories which will earn 5 UR points per dollar for up to $1500 in purchases during the specified quarter.  To get the 5 UR points per dollar bonus you must activate it for your Freedom card.

The activation page is now live for the fourth quarter of 2016.  The categories for this quarter are:

  • Department Stores
  • Wholesale Clubs
  • Drug Stores

These are a terrific set of categories and make it easy to max out the bonus.  With the holidays approaching, many people will shop at department stores and wholesale clubs for gifts.

And if you find you’re going to fall short of maxing out the deal you can buy gift cards to complete the spend.  These can be department store cards for yourself or as gifts and both wholesale clubs and drug stores sell a number of merchant gift cards for restaurants, other stores and gas stations.  You can also buy Visa or MasterCard gift cards and use those for everyday spend at places where you would not normally earn 5 UR points per dollar.

To activate the card, simply go to the activation page on the Chase website, enter your information and you’re all set!  You should then see a web page indicating your activation is complete.
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You have until December 14 to activate the bonus categories but why wait?  Do it now and you’ll be all set when October 1 rolls around.

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