• 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.
  • General,  Rewards

    Credit Card Bonus Rewards For December 2022

    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 Amazon.com and Digital Wallets, from Oct 1st to December 31st, 2022, on up to $1,500 in purchases.https://www.discover.com/credit-cards/cashback-bonus/cashback-calendar.HTML. Digital Wallet purchases include those made online and in-store with a smartphone, tablet, or wearable like Watch from Apple, Garmin, Samsung, etc. Wallets that qualify include Apple Pay, Google Pay, Samsung Pay, and Garmin Pay.

    Chase Freedom and Chase Freedom Flex: Earn a 5% cash back from Chase on up to $1,500 in combined purchases at Walmart and purchases made using PayPal from October 1st to December 31, 2022. Walmart purchase includes  Walmart Discount Stores, Walmart SuperCenters, Walmart Neighborhood Markets, www.walmart.com, Walmart branded gas stations operated by Walmart, any other Walmart branded retail stores operated by Walmart and purchases made with Walmart Pay (check out www.chasebonus.com for details).

    Sneak Peak into next quarter: Discover Grocery and drug stores, and select streaming. Activate now.

    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.

    • Kroger – Order online for pickup and delivery – Spend $50 or more, get $25 back. Online only, expires 12/31/22.
    • Hilton – Las Vegas and Nevada locations – Spend $500 or more, get $100 back. Online and In-store, expires 02/28/23.
    • Under Armour – Spend $50 or more, get $10 back, Online and In-store, expires 12/31/22.
    • Columbia Sportswear – Spend $125 or more, get $25 back. Online and In-Store, expires 12/31/22
    • Turo – Spend $150 or more, get $30 back. Online only, expires 4/21/23.
    • Patagonia – Spend $150 or more, get $30 back. Online only expires 1/15/2023.

    Maximizer Tips:

    1. You could use PayPal for shopping at many retailers and earn 5% on top of PayPal cash when you use Chase Freedom connected to PayPal. For e.g., as of this writing, you can earn an additional 3% at Home Depot, an additional 1% at Walmart, and more.
    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. You could use Apple Pay or Google Pay at many retailers to earn 5% on Discover. Just make sure to pick Discover if you have multiple cards in the digital wallet.

    Watch Out!!

    1. Make sure Discover is your default card in your digital wallet for this quarter.
    2. Payments made through the Xoom transfer service, which is owned by PayPal, are not eligible for 5%. Friends and Family or Person-to-Person (P2P) transactions made with a Chase Freedom card on PayPal are not eligible for 5%.
    3. Using digital wallets to make purchases on Amazon.com will only earn a total of 5%.
    4. 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.
  • Rewards

    Credit Card Bonus Rewards for November 2022

    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 Amazon.com and Digital Wallets, from Oct 1st to December 31st, 2022, on up to $1,500 in purchases.https://www.discover.com/credit-cards/cashback-bonus/cashback-calendar.HTML. Digital Wallet purchases include those made online and in-store with a smartphone, tablet, or wearable like Watch from Apple, Garmin, Samsung, etc. Wallets that qualify include Apple Pay, Google Pay, Samsung Pay, and Garmin Pay. 

    Chase Freedom and Chase Freedom Flex: Earn a 5% cash back from Chase on up to $1,500 in combined purchases at Walmart and purchases made using PayPal from October 1st to December 31, 2022. Walmart purchase includes  Walmart Discount Stores, Walmart SuperCenters, Walmart Neighborhood Markets, www.walmart.com, Walmart branded gas stations operated by Walmart, any other Walmart branded retail stores operated by Walmart and purchases made with Walmart Pay (check out 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.

    • Kroger – Order online for pickup and delivery – Spend $50 or more, get $25 back. Online only, expires 12/31/22.
    • Hilton – Las Vegas and Nevada locations – Spend $500 or more, get $100 back. Online and In-store, expires 02/28/23.
    • Under Armour – Spend $50 or more, get $10 back, Online and In-store, expires 12/31/22.
    • Columbia Sportswear – Spend $125 or more, get $25 back. Online and In-Store, expires 12/31/22
    • Turo – Spend $150 or more, get $30 back. Online only, expires 4/21/23.

    Maximizer Tips:

    1. You could use PayPal for shopping at many retailers and earn 5% on top of PayPal cash when you use Chase Freedom connected to PayPal. For e.g., as of this writing, you can earn an additional 3% at Home Depot, an additional 1% at Walmart, and more.
    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. You could use Apple Pay or Google Pay at many retailers to earn 5% on Discover. Just make sure to pick Discover if you have multiple cards in the digital wallet.

    Watch Out!!

    1. Make sure Discover is your default card in your digital wallet for this quarter.
    2. Payments made through the Xoom transfer service, which is owned by PayPal, are not eligible for 5%. Friends and Family or Person-to-Person (P2P) transactions made with a Chase Freedom card on PayPal are not eligible for 5%.
    3. Using digital wallets to make purchases on Amazon.com will only earn a total of 5%.
    4. 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 August 2022

    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 Restaurant and PayPal, from July 1st to September 30, 2022, 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 a 5% cash back from Chase on up to $1,500 in combined purchases at Gas Stations, Car Rental Agencies (direct from the car rental companies), Movie Theaters and on Select Live Entertainment from July 1st to September 30, 2022. Live entertainment includes major sporting events, zoos and aquariums, concerts, theatrical productions, museums, tourist attractions and exhibits, amusement parks, circuses, carnivals, bands, and entertainers (including ticket agencies).

    Note: 1. Gas stations do not include Costco, Sams, or BJs.

    2. Car rental does not include purchase through travel agencies, or discount sites, vacation clubs, tour operations, or part of a package.

    3. Movie theater does not include dining, snacks, beverages, or merchandise.

    4. Live Entertainment does not include movie theaters, bowling alleys, horse racing tracks, casinos, dance halls/clubs, or purchases from concierge/hotels. It cannot be part of a travel or excursion package.   Get Your Bonus (chasebonus.com)

    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.

    • Pike Nurseries – Get $15 back after you spend $75 or more (in-store only) – Expires 12/31/22
    • Amazon – Get 5 more Membership Rewards points per dollar spent, up to 1,500 points. Expires 08/19/22. Online only.
    • TURO – Spend $150 or more, get $30 back. online only. expires 9/18/22. See the Watch out section below.
    • Under Armour – Get $10 after you spend $50 or more (online and in-store) – Expires 9/30/22
    • IHG – Spend $200 or more and get $40 back at IHG, which expires 8/31/22. Good Deal for travelers
    • Levi’s -Spend $150 or more, get $30 back (online and in-store) -Expires 10/15/22.

    Maximizer Tips:

    1. You could use PayPal for shopping at many retailers and earn 5% on top of the PayPal cash when you use Discover connected to PayPal. For e.g., as of this writing, you can earn an additional 3% at Home Depot, an additional 1% at Walmart, and more.
    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. Given the gas prices where they are now, it might be worth downloading and sign-up for individual gas brand apps. We like the BP app and love the mobile unlocking of the pump feature. It usually gives 5c off per gallon right at the pump. Make sure you have a Chase Freedom card in the default payments position for this month.

    Watch Out!!

    1. Gas purchases at Costco, Sams, and BJs would not qualify for Chase Freedom 5%. If you have Costco Visa or Sams club credit card, use those at the gas stations at these clubs.
    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.
    3. You cannot “double-dip” with 5% at restaurants and PayPal. If you use PayPal at restaurants with Discover, you will only get 5%.
  • General,  Rewards

    Credit card bonus rewards for May 2022

    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 Gas Stations and Target, from April 1st to June 30, 2022, 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 a 5% cash back from Chase on up to $1,500 in combined purchases at Amazon.com and on Select Streaming Services from April 1st to June 30, 2022. Streaming services include Apple Music, Apple TV+, Disney+, ESPN+, Fubo TV, HBO Max, Hulu, Netflix, Pandora, Paramount+, Peacock, Showtime, SiriusXM, Sling, Spotify, YouTube Premium, YouTube TV and Vudu.  Get Your Bonus (chasebonus.com)

    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.

    • Spend $50 get $15 back at California Pizza Kitchen, Expires 5/29/2022.
    • Levi’s – Spent $150 and get $30 back – Expires 07/1/22
    • Buffalo Wild Wings – Get 4 more Membership Rewards points per dollar spent, up to 5,000 points. Expires 07/13/22. InStore only.
    • TURO – Spend $150 or more, get $30 back. online only. expires 9/18/22. See the Watch out section below.

    Maximizer Tips:

    1. If you are an Amazon Prime member with Prime Visa card from Chase, you may consider using Chase Freedom during quarter because in some instances Chase Freedom points are worth more redeeming.
    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. Given the gas prices where they are now, it might be worth downloading and sign-up for individual gas brand apps. We like the BP app and love to mobile unlocking of the pump feature. It usually gives 5c off per gallon right at the pump. Make sure you have Discover IT card in the default payments position.

    Watch Out!!

    1. Gas purchases at Costco, Sams and BJs would not qualify for Disover 5%.
    2. Caution for TURO: 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.