Note: Offers listed here are for existing credit cardholders rewards multipliers. These offers usually require activation, could be targeted and may have an earning cap. See the issuers’ websites for all exclusions and terms.

Citi Double Cash – appears targeted, activation required: Earn additional 4% cashback up to $25 on Restaurants, including outdoor dining, curbside pickup, drive-thru, takeout, restaurant delivery orders – from activation to 04/30/2021.

Citi Simplicity – may be targeted, activation required: Earn 5% back as a statement credit, up to $25, activation through 03/31/2021 on purchases you make with your Citi Simplicity^® Card online.

Discover IT: Earn 5% Cashback Bonus at Grocery Stores, Walgreens, and CVS from January 1st –March 31, 2021, on up to $1,500 in purchases includes Walmart Grocery Pickup and Delivery purchases; excludes other Walmart and all Target purchases.

Chase Freedom: earn 5% cash back at wholesale clubs (Costco, BJs, Sams club) and on eligible streaming services, internet, phone, and cable purchases.

Maximizer Tips:

1. If you have an HSA account: We recommend using Discover IT to pay for the prescriptions at Walgreens and CVS if you can afford to do that. Don’t use Discover IT card if you have an FSA account in this situation.
2. If you have a Costco Visa from Citi and Chase Freedom Visa, our recommendation is to use the Chase Freedom visa for in-store and online purchases at Costco, but continue to use Costco Visa card to pay for the gas at Costco. It is easy to reach $1500 spend, so keep an eye on it. Once you reach $1500 spend, we recommend switching back to Costco Visa.
3. If you have the Amazon Prime Visa card and Discover IT, we suggest using Discover IT at Whole Foods. You will earn cashback on Discover IT,which is more flexible than Amazon points.

Watch Out!!

1. Citi Simplicity is a non-rewards card, mostly used by balance revolvers. So if you have a balance at APR greater than 0%, you may not want to use it for the statement credit.
2. It is easy to reach $1,500 in spend at Costco. Keep an eye on it.

Note: Offers listed here are for existing credit cardholders rewards multipliers. These offers usually require activation, could be targeted and may have an earning cap. See the issuers’ websites for all exclusions and terms.

Citi Double Cash – appears targeted, activation required: Earn additional 4% cashback up to $25 on Restaurants, including outdoor dining, curbside pickup, drive-thru, takeout, restaurant delivery orders – from activation to 04/30/2021.

Citi Simplicity – may be targeted, activation required: Earn 5% back as a statement credit, up to $25, now through 03/31/2021 on purchases you make with your Citi Simplicity^® Card online.

Discover IT: Earn 5% Cashback Bonus at Grocery Stores, Walgreens, and CVS from January 1st –March 31, 2021, on up to $1,500 in purchases includes Walmart Grocery Pickup and Delivery purchases; excludes other Walmart and all Target purchases.

Chase Freedom: earn 5% cash back at wholesale clubs (Costco, BJs, Sams club) and on eligible streaming services, internet, phone, and cable purchases.

Maximizer Tips:

1. If you have an HSA account: We recommend using Discover IT to pay for the prescriptions at Walgreens and CVS if you can afford to do that. Don’t use Discover IT card if you have an FSA account in this situation.
2. If you have a Costco Visa from Citi and Chase Freedom Visa, our recommendation is to use the Chase Freedom visa for in-store and online purchases at Costco, but continue to use Costco Visa card to pay for the gas at Costco. It is easy to reach $1500 spend, so keep an eye on it. Once you reach $1500 spend, we recommend switching back to Costco Visa.
3. If you have the Amazon Prime Visa card and Chase Freedom, we suggest using Chase Freedom at Whole Foods. You will earn the same rewards but Chase Freedom points are more flexible than Amazon points.

Note: Offers listed here are for existing credit cardholders rewards multipliers. These offers usually require activation, could be targeted, and may have an earning cap. See the issuers’ websites for all exclusions and terms.

Update 11/25/2020: Discover just added 5% cash back at Best Buy from November 25 – Dec 31 in their quarterly bonus category.

11/16/2020 Update: Some Citi Card customers are getting a special offer to earn 5% back on up to $500 of online purchases as a statement credit for eligible enrolled Citi^® credit cards. Start earning from enrollment or 11/24/2020, whichever is later, through Cyber Monday, 11/30/2020. It appears to be a targeted offer, so please check and enroll. Terms and conditions are here https://specialoffers.citicards.com/citiholidaypromotion?cmp=pac_grow_2011_atl_giving_cashback

Citi Double Cash: A rare targeted promotional offer for existing customers – Now, through 11/30/2020, you are earning an additional 5% cash back, up to $25 on eligible purchases at Restaurants (including Outdoor Dining, curbside pickup, drive-thru, takeout, restaurants delivery orders), Movie Theaters (including drive-in theaters), and Show Theaters. TARGETED & ACTIVATION REQUIRED.

Discover IT: 5% cash back on Amazon.com, Target.com,Walmart.com and Best Buy (starting Nov 25, 2020).

Chase Freedom: 5% cash back on Walmart and Paypal.

Citi ThankYou Premier: This could be a targeted offer. 5X up to 2,500 points through 11/30/2020 at Consumer Electronics Stores, Department Stores, Home Improvement Stores, and Home Furnishing Stores – all these apply online and in-store. Activation required. Check your email for activation and details.

Note: Offers listed here are for existing credit cardholders rewards multipliers. These offers usually require activation, could be targeted and may have an earning cap. See the issuers’ websites for all exclusions and terms.

Citi Double Cash: A rare targeted promotional offer for existing customers – Now, through 11/30/2020, you are earning an additional 5% cash back, up to $25 on eligible purchases at Restaurants (including Outdoor Dining, curbside pickup, drive-thru, takeout, restaurants delivery orders), Movie Theaters (including drive-in theaters), and Show Theaters. TARGETED & ACTIVATION REQUIRED.

Discover IT: 5% cash back on Amazon.com, Target.com, and Walmart.com.

Chase Freedom: 5% cash back on Walmart and Paypal.

Citi Thank You Premier: This could be a targeted offer. 5X up to 2,500 points through 11/30/2020 at Consumer Electronics Stores, Department Stores, Home Improvement Stores and Home Furnishing Stores – all these applies online and in-store. Activation required. Check your email for activation and details.

Note: Offers listed here are for existing credit cardholders rewards multipliers. These offers usually require activation, could be targeted, and may have an earning cap. See the issuers’ websites for all exclusions and terms.

9/16/2020 Update: Citi Double Cash: A rare targeted promotional offer for existing customers – Now, through 11/30/2020, you are earning an additional 5% cash back, up to $25 on eligible purchases at Restaurants (including Outdoor Dining, curbside pickup, drive-thru, takeout, restaurants delivery orders), Movie Theaters (including drive-in theaters), and Show Theaters. TARGETED & ACTIVATION REQUIRED.

Discover IT: 5% cash back on Restaurants (including delivery services) and Paypal

Chase Freedom: 5% cash back on Amazon.com and Whole Foods

Chase Sapphire Reserve: 5X points on Instacart deliveries and pickup – up $3,000 in spend from July 1st, 2020 to September 30, 2020. No Activation.

5X on Gas stations up to $1,500 spend, July 1st to September 30, 2020. No activation.

10X points on Netflix, Spotify, ESPN+, Sling, Vudu, Fubo TV, Apple Music, Sirius XM, Pandora, YouTube TV, Disney+, Hulu. $1,500 spend cap, no activation.

Chase Sapphire Preferred: 3X points on Instacart deliveries and pickup – up $3,000 in spend from July 1st, 2020 to September 30, 2020. No Activation.

3X on Gas stations up to $1,500 spend, July 1st to September 30, 2020. No activation.

5X points on Netflix, Spotify, ESPN+, Sling, Vudu, Fubo TV, Apple Music, Sirius XM, Pandora, YouTube TV, Disney+, Hulu. $1,500 spend cap, no activation.

Citi Thank You Premier: This could be a targeted offer. 5X up to 2,500 points through 11/30/2020 at Consumer Electronics Stores, Department Stores, Home Improvement Stores and Home Furnishing Stores – all these applies online and in-store. Activation required. Check your email for activation and details.

For the month of August 2020:

Note these offer usually requires activation and may have a earning cap. See their website for all exclusions and terms.

Discover IT: 5% cash back on Restaurants (including delivery services) and Paypal

Chase Freedom: 5% cash back on Amazon.com and Whole Foods