Credit card rewards

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.