Credit card rewards

Note: Discover IT and Chase Freedom require you to enroll each quarter before you start earning a quarterly bonus in these categories. These offers usually require activation, could be targeted, and may have an earning cap. See the issuers’ websites for all exclusions and terms.

Discover IT: Earn 5% Cashback Bonus at Restaurants and Drug Stores, now to March 31, 2024, on up to $1,500 in purchases when you activate. https://www.discover.com/credit-cards/cashback-bonus/cashback-calendar.HTML. Please check their website (link above for more details). Restaurant purchases include those made at merchants classified as full-service restaurants, cafes, cafeterias, fast-food locations, and restaurant delivery services. Drug Store purchases include those made at stand-alone drug stores, pharmacies, online pharmacies, and some pharmacies located inside retail stores. 

Chase Freedom and Chase Freedom Flex: Earn a 5% cash back from Chase on up to $1,500 in combined purchases at Grocery Stores (excluding Walmart and Target), Fitness Clubs & Gym Membership), and Self-Care & Spa Services, from January 1st to March 31, 2024. (check out https://www.chasebonus.com/ for details). Must activate by March 14th, 2024. NOTE: Merchants in groceries stores category include supermarkets, merchants that offer a full-service grocery line of merchandise including a deli and bakery as well as smaller grocery stores. Some merchants that sell grocery items are not included in this category; for example, larger stores that sell a wide variety of goods and groceries, such as warehouse clubs, discount stores, and some smaller merchants such as drugstores, and merchants that specialize in only a few grocery items. Purchases made at gas stations from merchants who also operate grocery stores are not included in this category. Delivery service merchants will be included if they classify as grocery store merchants. Merchants in the fitness clubs & gym category include health clubs, exercise, or athletic facilities requiring membership and offering access to services related to physical fitness, such as fitness clubs, fitness centers, fitness studios, gyms, aerobics, cardio fitness and other services such as yoga and cross fit training. Merchants that specialize in offering personalized or therapeutic services such as massage therapy, dietary and weight management counseling and personal training are not included in this category. In addition, some merchants that sell a wide variety of general goods, which may include fitness or athletic apparel, sporting goods, dietary food, health food or similar supplements are not included in this category. Also, certain lodging, hotel, motel, resort and central reservation services offering access to third-party facilities that include fitness clubs or gyms are not included in this category unless they classify as a fitness club or gym membership merchant. This category includes self-care and spa services, such as massages, spa treatments, manicures, tanning, and barber and salon services, purchased at merchant locations that specialize in providing these services. These services are typically provided by licensed professionals, however, services provided by medical professionals will not qualify. Purchases of self-care and spa services at merchants that classify their location in another category, for example, spa services purchased in a hotel, will not be included unless the merchant classifies the transactions in this category. Purchases of related products and services, for example, hair and skincare products purchased at a salon or an overnight stay at a spa, will also not be included unless the merchant classifies the transactions in this category.

Some targeted American Express offers: These are targeted offers and you have to see them on your online/mobile AmEx account and add them before using them. These offers are not available to everyone.

• AT&T Fiber: Spend $55 or more, get $40 back, online only, expires 06/30/24.
• Turo: Spend $150 or more, get $30 back, online only, expires 04/14/24.
• iRobot: Spent $400 or more, get $75 back, online only, expires 04/20/24.
• ooni: Spent $300 or more, get $65 back, online only, expires 04/03/24.
• Sperry.com: Spend $75 or more, get $25 back, Online only, expires 03/21/24.

Maximizer Tips:

1. If you have both the Amazon Prime card and Chase Freedom, you can earn 5% on both while shopping at Whole Foods. Chase Freedom points are more flexible and can offer better value in some situations.
2. To maximize your rewards earnings, don’t forget to check out standard rewards on your card at https://www.cardquarterly.com/always-on-rewards

Watch Out!!

1. These days, many fitness clubs and gyms do not accept credit cards or might add a surcharge for using credit cards, which might offset the bonus rewards, check their policies before using your Chase Freedom card.
2. Similarly, many restaurants might add a surcharge for using credit cards, which might offset the bonus rewards. Do the math before using your Discover cards.
3. Caution for TURO: It is not clear but very likely that Turo rentals do not qualify for 5%. Also, Rental vehicles from TURO are NOT covered by most auto insurance companies and most major credit card CDW programs. We have not found any auto insurance company or card issuer that covers TURO rentals. There are insurance options from TURO through a major auto insurance company, but it is not clear whether the renting party is fully protected as he or she would have with their own auto insurance. Make sure you fully understand before renting from TURO.
4. Ooni has offered various offers from many issuers and have had multiple sales, before using this AmEx off, do a search for other offers.