General

  • General,  Rewards

    Credit Card Bonus Rewards for October 2023

    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 Amazon.com and Target, from October 1st (or whenever you activate) to December 31, 2023, on up to $1,500 in purchases.https://www.discover.com/credit-cards/cashback-bonus/cashback-calendar.HTML. Please check their website (link above for more details). Amazon.com purchases include those made through the Amazon.com checkout, like digital downloads, Amazon Fresh orders, Amazon Local Deals, Amazon Prime subscriptions, and items sold by third-party merchants through Amazon.com’s marketplace. This also includes purchases in-store at Amazon Go. Target purchases include those made in-store at Target, Target.com, or through the Target app. 

    Chase Freedom and Chase Freedom Flex: Earn a 5% cash back from Chase on up to $1,500 in combined purchases at PayPal, Wholesale Clubs (Costco, Sams, and BJs), and select charities, from October 1st to December 31, 2023. (check out https://www.chasebonus.com/ for details). Must activate by December 14th, 2023. Charities list: American Red Cross, Equal Justice Initiatives, Feeding America, Habitat for Humanity, International Medical Corps, International Rescue Committee, Leadership Conference Education Fund, NAACP Legal Defense and Educational Fund, National Urban League, Thurgood Marshall College Fund, United Negro College Fund, UNICEF USA, United Way, World Central Kitchen, GLSEN, Out and Equal, Sage

    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.

    • Topgolf: Spend $100 or more, get $20 back, up to 2 times, online and in-store, expires 12/31/23.
    • Charles Tyrwhitt: Spend $125 or more, get $25 back, online and in-store, expires 11/15/23.
    • Paramount+: Spent $11 or more and get back $11, up to 3 times, online only, expires 12/15/23.
    • Max- annual subscription – Spend $99 or more and get back $25, online only, expires 11/05/23
    • Untuckit: Spent $100 or more, get $20 back, online and in-store, expires 12/31/23.
    • Zenni – Spend $50 or more, get $15 back, online only, expires 12/31/23

    Maximizer Tips:

    1. Discover categories are designed to keep holiday shopping in mind. If you have both Discover and Chase Freedom, you want to ensure you do not use PayPal at Amazon and Target.
    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. Discover Target’s offer does not include: Purchases from individual merchants and stand-alone stores within physical Target locations, purchases made online or through the Target app from Target affiliates, individual merchants or stand-alone stores, targetoptical.com, and targetphoto.com.
    2. As always, you cannot double dip by using PayPal at the locations already providing 5% this quarter for Chase Freedom.
    3. When using Chase Freedom at your favorite charity, make sure there is no credit card surcharge, you may end up offsetting or significantly reducing the 5% benefit.
  • General,  Rewards

    Credit Card Bonus Rewards for September 2023

    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 and 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 Gas Stations and Digital Wallets, from July 1st (or whenever you activate) to September 30, 2023, on up to $1,500 in purchases.https://www.discover.com/credit-cards/cashback-bonus/cashback-calendar.HTML. Please check their website (link above for more details). Digital Wallets that qualify include Apple Pay, Samsung Pay, Garmin Pay, and in-store with Google Pay. Apple Pay transactions included in this offer are transactions made in-store or online when using the Apple Pay button.

    Chase Freedom and Chase Freedom Flex: Earn a 5% cash back from Chase on up to $1,500 in combined purchases at Gas Stations, EV chargers, and select Live Entertainment, from July 1st to September 30, 2023. (check out https://www.chasebonus.com/ for details)

    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.

    • Paramount+: Spent $11 or more and get back $11, up to 3 times, online only, expires 12/15/23.
    • Max- annual subscription – Spend $99 or more and get back $25, online only, expires 11/05/23
    • Petco – get 6% back on purchases, up to a total of $250, online and in-store, expires 09/30/23
    • Patagonia – Spent $200 or more and get back $30, online only, expires 10/15/23
    • Banana Republic Factory – Spend $50 or more, get back $15, in-store only, expires 10/31/23
    • Allen Edmonds – Spend $250 or more, get back $50, online and in-store, expires 10/10/23
    • Levi’s – Spend $150 or more, get back $30, online and in-store, expires 10/08/23
    • Sherwin Williams – Spent $100 or more, get back $25, online and in-store, expires 10/31/23
    • Lululemon.com – Spend $125 or more get $25 back, expires 10/29/23
    • Saucony.com – Spend $75 get $20 back, Expires 11/30/23
    • Turo: Spend $150 or more, get $30 back, online only. Expires 12/09/23.

    Maximizer Tips:

    1. By adding Discover cards to your digital wallet (Apple Pay, Google Pay, etc.), you could earn 5% everywhere you could use the digital wallet.
    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/
    3. Since both Chase and Discover are offering bonus rewards on Gas purchases, try to use the card if you have both cards. For e.g., you could only use Chase for Gas and Discover for Digital Wallets.
    4. AmEx has several back-to-school shopping offers are still on with several offers on apparels.
    5. Pay for back-to-school shopping using Discover loaded in a Digital Wallet.

    Watch Out!!

    1. Read carefully what qualifies for a Digital Wallet purchase.
    2. Gas purchased at warehouse clubs, Costco, Sams, and BJs do not qualify for 5% on gas purchases as described in the terms.
    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. As a matter of fact, 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.
  • General,  Rewards

    Credit Cards Bonus Rewards for August 2023

    Note: Discover IT and Chase Freedom requires you to enroll each quarter before you start earning a quarterly bonus in these categories. These offers usually require activation and 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 Gas Stations and Digital Wallets, from July 1st (or whenever you activate) to September 30, 2023, on up to $1,500 in purchases.https://www.discover.com/credit-cards/cashback-bonus/cashback-calendar.HTML. Please check their website (link above for more details). Digital Wallets that qualify include Apple Pay, Samsung Pay, Garmin Pay, and in-store with Google Pay. Apple Pay transactions included in this offer are transactions made in-store or online when using the Apple Pay button.

    Chase Freedom and Chase Freedom Flex: Earn a 5% cash back from Chase on up to $1,500 in combined purchases at Gas Stations, EV chargers, and select Live Entertainment, from July 1st to September 30, 2023. (check out https://www.chasebonus.com/ for details)

    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.

    • Lululemon.com – Spend $125 or more get $25 back, expires 10/29/23
    • Expedia – Expedia.com/Amex – Spend $100 or more get $20 back, expires 8/27/23
    • Jos A Bank – Spend $125 and get $25 back, expires 11/15/23
    • Men’s Warehouse – Spend $100 and get $20 back, expires 11/15/23
    • Tommy Hilfiger – Spend $75 get $15 back, Expires 9/30/23
    • Fila.com– Spend $100 get $20 back, Expires 10/24/23
    • Saucony.com – Spend $75 get $20 back, Expires 11/30/23
    • Turo: Spend $150 or more, get $30 back, online only. Expires 12/09/23.

    Maximizer Tips:

    1. By adding Discover cards to your digital wallet (Apple Pay, Google Pay, etc), you could earn 5% everywhere you could use the digital wallet.
    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/
    3. Since both Chase and Discover are offering bonus rewards on Gas purchases, try to use the card if you have both cards. For e.g., you could only use Chase for Gas and Discover for Digital Wallets.
    4. AmEx has several back-to-school shopping offers
    5. Pay for back-to-school shopping using Discover loaded in a Digital Wallet.

    Watch Out!!

    1. Read carefully what qualifies for a Digital Wallet purchase.
    2. Gas purchased at warehouse clubs, Costco, Sams, and BJs do not qualify for 5% on gas purchases as described in the terms.
    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. As a matter of fact, 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.
  • General,  Rewards

    Credit Card Bonus Rewards for July 2023

    New quarter, New categories from Chase Freedom and Discover

    Note: Discover IT and Chase Freedom requires you to enroll each quarter before you start earning a quarterly bonus in these categories. These offers usually require activation and 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 Gas Stations and Digital Wallets, from July 1st (or whenever you activate) to September 30, 2023, on up to $1,500 in purchases.https://www.discover.com/credit-cards/cashback-bonus/cashback-calendar.HTML. Please check their website (link above for more details). Digital Wallets that qualify include Apple Pay, Samsung Pay, Garmin Pay, and in-store with Google Pay. Apple Pay transactions included in this offer are transactions made in-store or online when using the Apple Pay button.

    Chase Freedom and Chase Freedom Flex: Earn a 5% cash back from Chase on up to $1,500 in combined purchases at Gas Stations, EV chargers, and select Live Entertainment, from July 1st to September 30, 2023. (check out https://www.chasebonus.com/ for details)

    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.

    • Dell.com- Spend $599 or more and get back $120, Online only, expires 9/01/23.
    • Citizen Watch – Spend $275 or more, get $75 back. Online only, expires 07/31/23.
    • Disney Bundle – includes Disney+, Hulu and ESPN+ – Spend $9.99 or more, get $9.99 back up to 6 times; expires 11/15/23
    • Columbia: Spend $75 or more , get $15 back; expires 7/30/23 – online and In-Store
    • Expedia: Spent $100 or more, get $50 back – online only – Expires 08/27/23.
    • Exxon-Mobile: Spent $25+ on select fuel purchases, get $5 back, up to 3 times – online and in-store, Expires 8/31/23
    • Turo: Spend $150 or more, get $30 back, online only. Expires 12/09/23.
    • Amazon.com: Get additional 5 Membership Rewards(r) points per eligible dollar spent, up to $1,600 points. Online only. Expires 8/21/23
    • California Pizza Kitchen: Spent $50 or more, get $15 back. In-Store only, Expires 09/23/23.
    • iRobot: Spent $500 or more, get $100 back, online only, Expires 8/12/23

    Maximizer Tips:

    1. By adding Discover cards to your digital wallet (Apple Pay, Google Pay, etc), you could earn 5% everywhere you could use the digital wallet.
    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/
    3. Since both Chase and Discover are offering bonus rewards on Gas purchases, try to use the card if you have both cards. For e.g., you could only use Chase for Gas and Discover for Digital Wallets.
    4. Pike Nurseries’ offer is available from many issuers, so you can use it on each card.
    5. Even though schools are still in session and back-to-school is not even in anyone’s mind. But some of the AmEx offers are very back-to-school focused.

    Watch Out!!

    1. Read carefully what qualifies for a Digital Wallet purchase.
    2. Gas purchased at warehouse clubs, Costco, Sams, and BJs do not qualify for 5% on gas purchases as described in the terms.
    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. As a matter of fact, 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.
  • General,  Rewards

    Credit card bonus rewards for June 2023

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

    Discover IT: Earn a 5% cash back at Restaurants and Wholesale clubs, from April 1st to June 30th, 2023, on up to $1,500 in purchases.https://www.discover.com/credit-cards/cashback-bonus/cashback-calendar.HTML. Please check their website (link above for more details).

    Chase Freedom and Chase Freedom Flex: Earn a 5% cash back from Chase on up to $1,500 in combined purchases at Lowes and Amazon.com, from April 1st to June 30, 2023. (check out https://www.chasebonus.com/ for details)

    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.

    • Under Armour – Spend $50 or more, get $10 back. Online & In-Store. expires 07/06/23.
    • Dell.com- Spend $599 or more and get back $120, Online only, expires 9/01/23.
    • Levis – Spend $150 or more, get $30 back, expires 07/01/23.
    • Pike Nurseries – Spend $75 or more and get $20 back, in-store only; expires 07/15/23.
    • Citizen Watch – Spend $275 or more, get $75 back. Online only, expires 07/31/23.
    • Disney Bundle – includes Disney+, Hulu and ESPN+ – Spend $9.99 or more, get $9.99 back up to 6 times; expires 11/15/23
    • Paramount+: Spend $9 or more, get $9 back, up to 3 times; expires 7/15/23 – Online only
    • Columbia: Spend $75 or more , get $15 back; expires 7/30/23 – online and In-Store

    Maximizer Tips:

    1. Costco allows the use of Discover on their online and mobile purchases.
    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/
    3. Use Chase Freedom cards for Amazon purchases even if you have an Amazon Prime card, because it is a better value.
    4. Pike Nurseries’ offer is available from many issuers, so you can use it on each card.
    5. Even though schools are still in session and back-to-school is not even in anyone’s mind. But some of the AmEx offers are very back-to-school focused.

    Watch Out!!

    1. Discover cannot be used at Costco’s physical locations. But you can use it for purchase at Costco.com and on the Costco mobile app.

    Preview for the next quarter:

    Discover: Gas Stations and Digital Wallets

  • General,  Rewards

    Bonus Credit Cards Rewards for May 2023

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

    Discover IT: Earn a 5% cash back at Restaurants and Wholesale clubs, from April 1st to June 30th, 2023, on up to $1,500 in purchases.https://www.discover.com/credit-cards/cashback-bonus/cashback-calendar.HTML. Please check their website (link above for more details).

    Chase Freedom and Chase Freedom Flex: Earn a 5% cash back from Chase on up to $1,500 in combined purchases at Lowes and Amazon.com, from April 1st to June 30, 2023. (check out https://www.chasebonus.com/ for details)

    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.

    • Under Armour – Spend $50 or more, get $10 back. Online & In-Store. expires 07/06/23.
    • FuboTV – Spend $65 or more, get $30 back, up to 3 times, Online, expires 05/31/23.
    • Dell.com- Spend $599 or more and get back $120, Online only, expires 9/01/23.
    • Levis – Spend $150 or more, get $30 back, expires 07/01/23.
    • Pike Nurseries – Spend $75 or more and get $20 back, in-store only; expires 07/15/23.
    • Citizen Watch – Spend $275 or more, get $75 back. Online only, expires 07/31/23.

    Maximizer Tips:

    1. Costco allows the use of Discover on their online and mobile purchases.
    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/
    3. Use Chase Freedom cards for Amazon purchases even if you have an Amazon Prime card, because it is a better value.
    4. Pike Nurseries’ offer is available from many issuers, so you can use it on each card.
    5. Even though schools are still in session and back-to-school is not even in anyone’s mind. But some of the AmEx offers are very back-to-school focused.

    Watch Out!!

    1. Discover cannot be used at Costco’s physical locations. But you can use it for purchase at Costco.com and on the Costco mobile app.
  • General,  Rewards

    Credit cards bonus rewards for April 2023

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

    Discover IT: Earn a 5% cash back at Restaurants and Wholesale clubs, from April 1st to June 30th, 2023, on up to $1,500 in purchases.https://www.discover.com/credit-cards/cashback-bonus/cashback-calendar.HTML. Please check their website (link above for more details).

    Chase Freedom and Chase Freedom Flex: Earn a 5% cash back from Chase on up to $1,500 in combined purchases at Lowes and Amazon.com, from April 1st to June 30, 2023. (check out https://www.chasebonus.com/ for details)

    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.

    • Best Buy – Spend $150 or more, get $15 back. Online only, expires 05/15/23.
    • FuboTV – Spend $65 or more, get $30 back, up to 3 times, Online, expires 05/31/23.
    • Dell.com- Spend $599 or more and get back $120, Online only, expires 9/01/23
    • Levis – Spend $150 or more, get $30 back, expires 07/01/23
    • Pike Nurseries – Spend $75 or more and get $20 back, in-store only, expires 07/15/23

    Maximizer Tips:

    1. Costco allows the use of Discover on their online and mobile purchases.
    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/
    3. Use Chase Freedom cards for Amazon purchases even if you have an Amazon Prime card, because it is a better value.
    4. Pike Nurseries’ offer is available from many issuers, so you can use it on each card.

    Watch Out!!

    1. Discover cannot be used at Costco’s physical locations.
    2. 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. As a matter of fact, 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.
  • General,  Rewards

    Credit Card bonus rewards for March 2023

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

    Discover IT: Earn a 5% cash back at Grocery Stores, Drug Stores, and Select Streaming Services, from January 1st to March 31st, 2023, on up to $1,500 in purchases, except purchases at Walmart and Target.https://www.discover.com/credit-cards/cashback-bonus/cashback-calendar.HTML. Select Streaming Service purchases include Amazon Music, Amazon Prime Video, AMC+, Apple Music, Apple TV, Audible, DirecTV Stream, FUBO, Google Play, HBO Max, iHeartRadio, MLB.TV, Pandora, Paramount Plus, Peacock, Showtime, SiriusXM, Sling TV, Spotify, Starz, Vudu, YouTube Music, YouTube Premium, YouTube TV but Discover says that others may be included. Please check their website (link above for more details).

    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), Target, and Fitness Clubs and Gym Memberships from January 1st to March 31, 2023. (check out https://www.chasebonus.com/ for details)

    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.

    • Turbo Tax and Turbo Tax Live – Spend $50 or more, get $10 back. Online only, expires 05/15/23.
    • FuboTV – Spend $65 or more, get $30 back, up to 3 times, Online, expires 05/31/23.
    • Lenovo- Spend $500 or more and get back $100, Online only, expires 5/31/23
    • Zoom – Spend $149 or more, get $40 back. Online only, expires 06/30/23
    • Turo – Spend $150 or more, get $30 back. Online only, expires 4/21/23.
    • Pike Nurseries – Spend $75 or more and get $20 back, in-store only, expires 07/15/23

    Maximizer Tips:

    1. Since both Discover and Chase Freedom are offering 5% cash back on groceries, so if you have both, you can potentially use Discover for groceries but use Chase Freedom at Target.
    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/
    3. If you also have an Amazon Prime card, then you could use Discover and Chase Freedom at Whole Foods locations instead of the Amazon Prime card, because you could get a better redemption value.
    4. Pike Nurseries’ offer is available from my issuers, so you can use it on each card.

    Watch Out!!

    1. Discover excludes Target but Chase Freedom includes it.
    2. You will only earn a total of 5% at Target if buy groceries using Chase Freedom.No double dipping.
    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. As a matter of fact, 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. Turbo Tax prices and offers change many times and you may not get the offer or pricing if submitted after their offer window even if you started during the offer window.
  • General,  Rewards

    Credit Card Bonus Rewards for February 2023

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

    Discover IT: Earn a 5% cash back at Grocery Stores, Drug Stores, and Select Streaming Services, from January 1st to March 31st, 2023, on up to $1,500 in purchases, except purchases at Walmart and Target.https://www.discover.com/credit-cards/cashback-bonus/cashback-calendar.HTML. Select Streaming Service purchases include Amazon Music, Amazon Prime Video, AMC+, Apple Music, Apple TV, Audible, DirecTV Stream, FUBO, Google Play, HBO Max, iHeartRadio, MLB.TV, Pandora, Paramount Plus, Peacock, Showtime, SiriusXM, Sling TV, Spotify, Starz, Vudu, YouTube Music, YouTube Premium, YouTube TV but Discover says that others may be included. Please check their website (link above for more details).

    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), Target and Fitness Clubs and Gym Membership from January 1st to March 31, 2023. (check out https://www.chasebonus.com/ for details)

    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.

    • Turbo Tax and Turbo Tax Live – Spend $50 or more, get $10 back. Online only, expires 05/15/23.
    • FuboTV – Spend $65 or more, get $30 back, up to 3 times, Online, expires 05/31/23.
    • TaxAct– Get 30% back on purchases, up to a total of $60, Online only, expires 04/18/23.
    • Zoom – Spend $149 or more, get $40 back. Online only, expires 06/30/23
    • Turo – Spend $150 or more, get $30 back. Online only, expires 4/21/23.
    • Nautica.com – Get 6% back on purchases, up to a total $250, Online only, expires 2/28/2023.

    Maximizer Tips:

    1. Since both Discover and Chase Freedom are offering 5% cash back on groceries, so if you have both, you can potentially use Discover for groceries but use Chase Freedom at Target.
    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/
    3. If you also have an Amazon Prime card, then you could use Discover and Chase Freedom at Whole Food locations instead of the Amazon Prime card, because you could get a better redemption value.

    Watch Out!!

    1. Discover excludes Target but Chase Freedom includes it.
    2. You will only earn a total of 5% at Target if buy groceries using Chase Freedom.No double dipping.
    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. As a matter of fact, 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.
  • General,  Rewards

    Credit Card Bonus Rewards For January 2023

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

    Discover IT: Earn a 5% cash back at Grocery Stores, Drug Stores, and Select Streaming Services, from January 1st to March 31st, 2023, on up to $1,500 in purchases, except purchases at Walmart and Target.https://www.discover.com/credit-cards/cashback-bonus/cashback-calendar.HTML. Select Streaming Service purchases include Amazon Music, Amazon Prime Video, AMC+, Apple Music, Apple TV, Audible, DirecTV Stream, FUBO, Google Play, HBO Max, iHeartRadio, MLB.TV, Pandora, Paramount Plus, Peacock, Showtime, SiriusXM, Sling TV, Spotify, Starz, Vudu, YouTube Music, YouTube Premium, YouTube TV but Discover says that others may be included. Please check their website (link above for more details).

    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), Target and Fitness Clubs and Gym Membership from January 1st to March 31, 2023. (check out https://www.chasebonus.com/ for details)

    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.

    • Turbo Tax and Turbo Tax Live – Spend $50 or more, get $10 back. Online only, expires 04/18/23.
    • Hilton – Mexico locations – Spend $750 or more, get $150 back. Online and In-store, expires 04/30/23.
    • Under Armour – Spend $49 or more, get $10 back, Online and In-store, expires 02/15/23.
    • Levi’s – Spend $150 or more, get $30 back. Online and In-Store, expires 02/15/23
    • Turo – Spend $150 or more, get $30 back. Online only, expires 4/21/23.
    • Jos. A. Bank – Spend $75 or more, get $15 back. Online and In-Store, expires 1/31/2023.

    Maximizer Tips:

    1. Since both Discover and Chase Freedom are offering 5% on groceries, so if you have both, you can potentially use Discover for groceries but use Chase Freedom at Target.
    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/
    3. If you also have an Amazon Prime card, then you could use Discover and Chase Freedom at Whole Food locations instead of the Amazon Prime card, because you could get a better redemption value.

    Watch Out!!

    1. Discover excludes Target but Chase Freedom includes it.
    2. You will only earn a total of 5% at Target if buy groceries using Chase Freedom.No double dipping.
    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. As a matter of fact, 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.
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