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.