• General,  Rewards

    Credit Card Bonus Rewards Categories for December 2021


    Note: Discover IT and Chase Freedom requires you to enroll each quarter before you start earning a quarterly bonus in these categories. The offers listed here are for existing credit cardholders. 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 Amazon.com, Walmart.com, and Target.com from October 1st, 2021 –December 31, 2021, on up to $1,500 in purchases .https://www.discover.com/credit-cards/cashback-bonus/cashback-calendar.HTML

    Chase Freedom and Chase Freedom Flex: earn 5% cashback at Walmart and Paypal from October 1st, 2021 – December 31, 2021, on up to $1,500 in purchases. Must activate by December 14, 2021. Get Your Bonus (chasebonus.com)

    Additional bonus on Chase Freedom: Earn 5% cashback on Lyft rides with your Chase Freedom and Chase Freedom flex card through March 2022.

    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.

    • Earn 5 more Membership Rewards points per eligible dollar spent at Amazon, up to 1,500 points – expires 12/26/21.
    • Sams Clubs new membership: Spend $45 on new membership, get $25 back – ends 04/30/22.
    • Tommy Hilfiger, Spend $75 or more and get $25 back – expires 1/31/22
    • Godiva – online only – Spend $50 or more, get $10 back- expires 12/28/22.
    • Turo – Spent $150 and get $30 back – Expires 12/31/21
    • Under Armour – Spend $50 or more, get $10 back – Expires 12/31/21
    • Levi’s – Spent $150 and get $30 back – Expires 02/15/22
    • Walmart+ – Get 50% back on an annual membership, up to $49 back.
    • HBO Max annual subscription – Spend $99.99 or more, get $25 back

    Targeted Citi offers:

    Citi Premier Card: Earn a total of 6X ThankYou Points per $1 spent on Hotel and Car Rental purchases booked through the ThankYou Travel Center between 9/1/21 – 12/31/21.

    Earn a total of 5 ThankYou Points per $1 spent, up to 2,500 points, through 12/31/2021 on eligible purchases at Restaurants.

    Maximizer Tips:

    1. Walmart.com offer includes purchases made using the Walmart app including grocery pick up and delivery.
    2. Don’t forget standard “always-on” rewards for other purchases https://www.cardquarterly.com/always-on-rewards/
    3. You could add Chase Freedom and Freedom Flex card in your PayPal and make payments whenever you don’t have to pay extra fee and earn that 5%.
    4. If you have AT&T Fiber internet, you may already have a complementary access to HBO Max.

    Watch Out!!

    1. For Chase Freedom – If you use PayPal at Walmart, you will only get 5%, not 5% +5%.
  • Rewards

    Credit Cards Rewards Bonus Categories for November 2021

    Note: Discover IT and Chase Freedom requires you to enroll each quarter before you start earning a quarterly bonus in these categories. The offers listed here are for existing credit cardholders. 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 Amazon.com, Walmart.com, and Target.com from October 1st, 2021 –December 31, 2021, on up to $1,500 in purchases .https://www.discover.com/credit-cards/cashback-bonus/cashback-calendar.HTML

    Chase Freedom and Chase Freedom Flex: earn 5% cashback at Walmart and Paypal from October 1st, 2021 – December 31, 2021, on up to $1,500 in purchases. Must activate by December 14, 2021. Get Your Bonus (chasebonus.com)

    Additional bonus on Chase Freedom: Earn 5% cashback on Lyft rides with your Chase Freedom and Chase Freedom flex card through March 2022.

    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.

    • Earn 5 more Membership Rewards points per eligible dollar spent at Amazon, up to 1,500 points – expires 12/26/21.
    • Sams Clubs new membership: Spend $45 on new membership, get $25 back – ends 04/30/21.
    • Tommy Hilfiger, Spend $75 or more and get $25 back – expires 1/31/22
    • Godiva – online only – Spend $50 or more, get $10 back- expires 12/28/22.
    • Turo – Spent $150 and get $30 back – Expires 12/31/21

    Targeted Citi offers:

    Citi Premier Card: Earn a total of 6X ThankYou Points per $1 spent on Hotel and Car Rental purchases booked through the ThankYou Travel Center between 9/1/21 – 12/31/21.

    Earn a total of 5 ThankYou Points per $1 spent, up to 2,500 points, through 12/31/2021 on eligible purchases at Restaurants.

    Maximizer Tips:

    1. Walmart.com offer includes purchases made using the Walmart app including grocery pick up and delivery.
    2. Don’t forget standard “always-on” rewards for other purchases https://www.cardquarterly.com/always-on-rewards/
    3. You could add Chase Freedom and Freedom Flex card in your PayPal and make payments whenever you don’t have to pay extra fee and earn that 5%.

    Watch Out!!

    1. For Chase Freedom – If you use PayPal at Walmart, you will only get 5%, not 5% +5%.
    2. Sams club offer from Amex is good but there offers that come time-to-time that offer full $45 back.
  • Rewards

    Credit Cards Rewards Categories for October 2021

    Note: Discover IT and Chase Freedom requires you to enroll each quarter before you start earning a quarterly bonus in these categories. The offers listed here are for existing credit cardholders. 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 Amazon.com, Walmart.com, and Target.com from October 1st, 2021 –December 31, 2021, on up to $1,500 in purchases .https://www.discover.com/credit-cards/cashback-bonus/cashback-calendar.HTML

    Chase Freedom and Chase Freedom Flex: earn 5% cashback at Walmart and Paypal from October 1st, 2021 – December 31, 2021, on up to $1,500 in purchases. Must activate by December 14, 2021. Get Your Bonus (chasebonus.com)

    Additional bonus on Chase Freedom: Earn 5% cashback on Lyft rides with your Chase Freedom and Chase Freedom flex card through March 2022.

    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.

    • Earn 5 more Membership Rewards points per eligible dollar spent at Amazon, up to 1,500 points – expires 11/01/21.
    • Get 15% back on purchase up to $5 at Starbucks – ends 11/04/21.
    • Earn 4 more Memebership Rewards points per eligible dollar spent at adidas up to 5,000 points – expires 12/31/21
    • Spend $25+ on select fuel ( Synergy Supereme+ Premium Fuel) purchases, get $5 back up to 3X – expires 11/04/21.

    Targeted Citi offers:

    Citi Premier Card: Earn a total of 6X ThankYou Points per $1 spent on Hotel and Car Rental purchases booked through the ThankYou Travel Center between 9/1/21 – 12/31/21.

    Earn a total of 5 ThankYou Points per $1 spent, up to 2,500 points, through 12/31/2021 on eligible purchases at Restaurants.

    Maximizer Tips:

    1. Walmart.com offer includes purchases made using the Walmart app including grocery pick up and delivery.
    2. Don’t forget standard “always-on” rewards for other purchases https://www.cardquarterly.com/always-on-rewards/
    3. You could add Chase Freedom and Freedom Flex card in your PayPal and make payments whenever you don’t have to pay extra fee and earn that 5%.

    Watch Out!!

    1. For Chase Freedom – If you use PayPal at Walmart, you will only get 5%, not 5% +5%.
  • Rewards

    Credit Cards Rewards Category for September 2021

    Note: Discover IT and Chase Freedom requires you to enroll each quarter before you start earning a quarterly bonus in these categories. The offers listed here are for existing credit cardholder 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.

    Discover IT: Earn 5% Cashback Bonus at Restaurants and PayPal from July 1st, 2021 –September 30, 2021, on up to $1,500 in purchases .https://www.discover.com/credit-cards/cashback-bonus/cashback-calendar.HTML

    Chase Freedom and Chase Freedom Flex: earn 5% cash back at Grocery stores (excludes grocery purchases made at Walmart and Target) and on select streaming services from July 1st, 2021 – September 30, 2021, on up to $1,500 in purchases. Must activate by September 14, 2021. Get Your Bonus (chasebonus.com)

    Additional bonus on Chase Freedom: Earn 5% cash back on Lyft rides with your Chase Freedom and Chase Freedom flex card through March 2022.

    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.

    Additional 5 Membership Rewards points per eligible dollar spent at Amazon up to 1,500 points, expires 11/1/21. This offer is not very useful if you have the Amazon Prime Rewards card from Chase.

    Spend $150 or more on Turo, get $30 back, expires 12/31/21.

    Spend $35 or more on Udemy, get $10 back, expires 09/30/21

    Maximizer Tips:

    1. The restaurant category includes fast food/Quick Service restaurants.
    2. Don’t forget standard “always-on” rewards for other purchases https://www.cardquarterly.com/always-on-rewards/
    3. It is not difficult to add one more payment option to streaming services. You can keep switching from one card to another whoever is offering the bonus. Card companies know that once we add one card to the streaming services, we tend to leave it there forever. This should be also a time to revisit whether you are watching that streaming service and should you cancel this one or that one.
    4. Both Amazon Prime card and Chase Freedom will give you 5% cashback in points at Whole Foods. If you have both, then you have to decide whether you need to put your Amazon Prime card back in the drawer for this quarter while shopping at Whole Foods.
    5. You can add Discover card in your PayPal and make payments whenever you don’t have to pay extra fee.

    Watch Out!!

    1. For Chase Freedom – Only subscriptions paid for or purchases made with the following select merchants will qualify for this 5% on streaming category: Disney+, Hulu, ESPN+, Netflix, Sling, Vudu, Fubo TV, Apple Music, SiriusXM, Pandora, Spotify, and YouTube TV.
    2. For Discover: Payments made through the Xoom transfer service are not eligible for 5%. Any restaurant purchase made using PayPal will only be awarded a total of 5% Cashback Bonus. So you can’t double-dip:)
  • Rewards

    Credit Card Bonus Rewards for August 2021

    Note: Discover IT and Chase Freedom requires you to enroll each quarter before you start earning a quarterly bonus in these categories. The offers listed here are for existing credit cardholder 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.

    Discover IT: Earn 5% Cashback Bonus at Restaurants and PayPal from July 1st, 2021 –September 30, 2021, on up to $1,500 in purchases .https://www.discover.com/credit-cards/cashback-bonus/cashback-calendar.HTML

    Chase Freedom and Chase Freedom Flex: earn 5% cash back at Grocery stores (excludes grocery purchases made at Walmart and Target) and on select streaming services from July 1st, 2021 – September 30, 2021, on up to $1,500 in purchases. Must activate by September 14, 2021.

    Additional bonus on Chase Freedom: Earn 5% cash back on Lyft rides with your Chase Freedom and Chase Freedom flex card through March 2022.

    Maximizer Tips:

    1. The restaurant category includes fast food/Quick Service restaurants.
    2. Don’t forget standard “always-on” rewards for other purchases https://www.cardquarterly.com/always-on-rewards/
    3. It is not difficult to add one more payment option to streaming services. You can keep switching from one card to another whoever is offering the bonus. Card companies know that once we add one card to the streaming services, we tend to leave it there forever. This should be also a time to revisit whether you are watching that streaming service and should you cancel this one or that one.
    4. Both Amazon Prime card and Chase Freedom will give you 5% cashback in points at Whole Foods. If you have both, then you have to decide whether you need to put your Amazon Prime card back in the drawer for this quarter while shopping at Whole Foods.

    Watch Out!!

    1. For Chase Freedom – Only subscriptions paid for or purchases made with the following select merchants will qualify for this 5% on streaming category: Disney+, Hulu, ESPN+, Netflix, Sling, Vudu, Fubo TV, Apple Music, SiriusXM, Pandora, Spotify, and YouTube TV.
    2. For Discover: Payments made through the Xoom transfer service are not eligible for 5%. Any restaurant purchase made using PayPal will only be awarded a total of 5% Cashback Bonus. So you can’t double-dip:)
  • Rewards

    Credit card bonus rewards for July 2021

    Note: Discover IT and Chase Freedom requires you to enroll each quarter before you start earning a quarterly bonus in these categories. The offers listed here are for existing credit cardholder 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.

    Discover IT: Earn 5% Cashback Bonus at Restaurants and PayPal from July 1st, 2021 –September 30, 2021, on up to $1,500 in purchases .https://www.discover.com/credit-cards/cashback-bonus/cashback-calendar.html

    Chase Freedom and Chase Freedom Flex: earn 5% cashback at Grocery stores (excludes grocery purchases made at Walmart and Target) and on select streaming services from July 1st, 2021 – September 30, 2021, on up to $1,500 in purchases. Must activate by September 14, 2021.

    Additional bonus on Chase Freedom: Earn 5% cashback on Lyft rides with your Chase Freedom and Chase Freedom flex card through March 2022.

    Maximizer Tips:

    1. The restaurant category includes fast food/Quick Service restaurants.
    2. Don’t forget standard “always-on” rewards for other purchases https://www.cardquarterly.com/always-on-rewards/
    3. It is not difficult to add one more payment option to streaming services. You can keep switching from one card to another whoever is offering the bonus. Card companies know that once we add one card to the streaming services, we tend to leave it there forever. This should be also a time to revisit whether you are watching that streaming service and should you cancel this one or that one.
    4. Both Amazon Prime card and Chase Freedom will give you 5% cashback in points at Whole Foods. If you have both, then you have to decide whether you need to put your Amazon Prime card back in the drawer for this quarter while shopping at Whole Foods.

    Watch Out!!

    1. For Chase Freedom – Only subscriptions paid for or purchases made with the following select merchants will qualify for this 5% on streaming category: Disney+, Hulu, ESPN+, Netflix, Sling, Vudu, Fubo TV, Apple Music, SiriusXM, Pandora, Spotify, and YouTube TV.
    2. For Discover: Payments made through the Xoom transfer service are not eligible for 5%. Any restaurant purchase made using PayPal will only be awarded a total of 5% Cashback Bonus. So you can’t double-dip:)
  • Rewards

    Credit Card Bonus Rewards for June 2021

    Note: Discover IT and Chase Freedom requires you to enroll each quarter before you start earning a quarterly bonus in these categories. The offers listed here are for existing credit cardholder 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.

    Discover IT: Earn 5% Cashback Bonus at Wholesale Clubs, Gas Station, and Select Streaming Services from April 1st, 2021 –June 30, 2021, on up to $1,500 in purchases .https://www.discover.com/credit-cards/cashback-bonus/cashback-calendar.html

    Chase Freedom: earn 5% cash back at Gas Stations and Home Improvement stores from April 1st 2021 – June 30, 2021 on up to $1,500 in purchases.

    Maximizer Tips:

    1. You cannot use Discover cards in Costco warehouses but you can use them at Costco.com. So you can still earn 5% on Costco purchases at Costco.com. Beware, some of the items on Costco.com cost more than the same item in the warehouse.
    2. Don’t forget standard “always-on” rewards for other purchases https://www.cardquarterly.com/always-on-rewards/
    3. It is not difficult to add one more payment option to streaming services. You can keep switching from one card to another whoever is offering the bonus. Card companies know that once we add one card to the streaming services, we tend to leave it there forever. This should be also a time to revisit whether you are watching that streaming service and should you cancel this one or that one.

    Watch Out!!

    1. It is easy to reach $1,500 in spend at Costco. Keep an eye on it.
    2. It is also easy to reach $1,500 at any home improvement store.
    3. Usually, gas purchases at Costco, Sams, and BJs don’t earn 5% rewards from Discover and Chase Freedom. If you have Costco or Sam’s card, use that for filling the gas at their locations instead of these two cards.
  • Sofi Credit Card
    General,  Rewards

    Can you grow card rewards after redemption?

    Increasing the value to rewards after redemption sounds strange. Well, it is possible and I have described how it is possible. I put almost all my spend on credit cards, so I earn a significant amount of rewards each month. Most of my rewards are in cashback. But I don’t often redeem those rewards because I am not that excited about redeeming cash back into my checking or savings account. I do redeem points that I earn on travel cards when booking hotels. I also redeem rewards from Costco’s credit card at Costco and points from Amazon’s card at Amazon because there are no other ways to spend those rewards. But other cashback rewards that I earn stay idle for a long time, doing nothing – until now!! What changed? you may ask.

    Well, I signed up for the new credit card from SoFi. It is a Mastercard where I earn 2 points for every dollar I spend. If I redeem it as a statement credit, then I will get 0.5 cents for every point, which makes it a 1% cashback card. Nothing exciting since you can get 1% cashback on many cards. But if I redeem the points to their investment platform to invest, save or make a payment towards a SoFi loan, I will get 1c for every point, which makes it a 2% cashback card. There are a handful of cards that give you 2% cashback (e.g. Citi Double Cash). What makes the SoFi card potentially a better option than Citi Double Cash. When I redeem your SoFi rewards into their investment platform I am investing that cash back into stocks, bonds, mutual funds, etc. Over time, these redemptions have the potential to grow into a significant investment portfolio. SoFi also allows you to buy a fraction of some stocks and funds (limited but good selection), which differentiate it from the credit card offered by Fidelity (similar 2% cashback if redeemed into an eligible Fidelity investment account).

    Additional perks

    In addition to these exciting rewards, the card comes with cell phone protection, which is not a common benefit. And, there are standard Mastercard benefits as well. In short, my rewards will continue to grow after I redeem them if I leave them there for some time. In the short term, it may lose its value. But I am here for the long haul. Check out the card at https://www.sofi.com/credit-card/

    Interesting fact:

    This card allows redemption into crypto. I am not sure whether this is a good thing or not and whether it will help grow the rewards after redemption.

    As always you find out other card benefits here. https://www.cardquarterly.com/card-benefits/

  • Rewards,  Uncategorized

    CREDIT CARD BONUS REWARDS FOR May 2021

    Note: Discover IT and Chase Freedom requires you to enroll each quarter before you start earning a quarterly bonus in these categories. The offers listed here are for existing credit cardholder 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.

    Discover IT: Earn 5% Cashback Bonus at Wholesale Clubs, Gas Station, and Select Streaming Services from April 1st, 2021 –June 30, 2021, on up to $1,500 in purchases .https://www.discover.com/credit-cards/cashback-bonus/cashback-calendar.html

    Chase Freedom: earn 5% cash back at Gas Stations and Home Improvement stores from April 1st 2021 – June 30, 2021 on up to $1,500 in purchases.

    Maximizer Tips:

    1. You cannot use Discover cards in Costco warehouses but you can use them at Costco.com. So you can still earn 5% on Costco purchases at Costco.com. Beware, some of the items on Costco.com cost more than the same item in the warehouse.
    2. Don’t forget standard “always-on” rewards for other purchases https://www.cardquarterly.com/always-on-rewards/

    Watch Out!!

    1. It is easy to reach $1,500 in spend at Costco. Keep an eye on it.
    2. It is also easy to reach $1,500 at any home improvement store.
  • Rewards

    Credit card bonus rewards for April 2021

    April is beginning of a new quarter, so new credit card bonus categories are here.

    Note: Discover IT and Chase Freedom requires you to enroll each quarter before you start earning a quarterly bonus in these categories. The 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.

    Discover IT: Earn 5% Cashback Bonus at Wholesale Clubs, Gas Station, and Select Streaming Services from April 1st, 2021 –June 30, 2021, on up to $1,500 in purchases .https://www.discover.com/credit-cards/cashback-bonus/cashback-calendar.html

    Chase Freedom: earn 5% cash back at Gas Stations and Home Improvement stores from April 1st 2021 – June 30, 2021 on up to $1,500 in purchases.

    Maximizer Tips:

    1. You cannot use Discover cards in Costco warehouses but you can use them at Costco.com. So you can still earn 5% on Costco purchases at Costco.com. Beware, some of the items on Costco.com cost more than the same item in the warehouse.
    2. 4% additional on Citi Double Cash makes it a 6% on dining categories but only up to $25 in statement credit.
    3. Don’t forget standard always on rewards for other purchases https://www.cardquarterly.com/always-on-rewards/

    Watch Out!!

    1. It is easy to reach $1,500 in spend at Costco. Keep an eye on it.
    2. It is also easy to reach $1,500 at any home improvement store.

Credit card rewards
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