• General,  Rewards

    Chase and Discover Quarterly Bonus Rewards for Q4 2024.

    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 Earn 5% Cashback Bonus at Amazon.com and Target  From October 1st, 2024 to December 31st, 2024, on up to $1,500 in purchases when you activate. https://www.discover.com/credit-cards/cashback-bonus/cashback-calendar.HTML. Please check their website (link above for more details). Note:  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 and Amazon Fresh. Purchases made online and in-store with Whole Foods Market are not included in the promotion. Amazon, the Amazon.com logo, the smile logo, and all related marks are trademarks of Amazon.com, Inc. or its affiliates. Target purchases include those made in-store at Target, Target.com, or through the Target app. Purchases from individual merchants and stand-alone stores within physical Target locations may not be eligible for this promotion. Purchases made online or through the Target app from Target affiliates, individual merchants, or stand-alone stores may not be eligible for this promotion, including, but not limited to, targetoptical.com and targetphoto.com. Target and the Bullseye Design are registered trademarks of Target Brands, Inc. Listed merchants are in no way sponsoring or affiliated with this program.

    Chase Freedom and Chase Freedom Flex: Earn a 5% cash back on up to $1,500 in combined purchases on McDonald’s®, PayPal®, Pet Shops and Vet Services, and Select Charities from October 1st, 2024 to December 31th, 2024. Purchases made with PayPal® will earn a total of 5% cash back. (check out https://www.chasebonus.com/ for details).

  • General,  Rewards

    Credit Card Bonus Rewards for November 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.

    • Paramount+: Spent $11 or more and get back $11, up to 3 times, Online only, expires 12/15/23.
    • Lululemon.com: Spend $100 or more, get 2000 points, online-only, expires 1/28/24
    • BedBathandBeyond.com: Spend $200 or more, get $30 back, Online only, expires 1/31/24
    • Ralph Lauren/ Polo: Spend $200 or more, get 4000 points, in-store and Online only, expires 12/31/23.
    • Godiva: Spend $50 or more, get $10 back, Online only, expires 02/28/14
    • Athleta: Spend $150 or more, get $30 back, In-store only, expires 12/31/23
    • Under Armor – Spend $50 or more, get $10 back, Online and In-Store, expires 12/31/23
    • Levis: Spend $175 or more, get $35 back, Online and In-store, expires 02/15/24
    • Dell: Spend $599 or more, get $120 back, Online only, expires 01/31/24
    • Turo: Spend $150 or more, get $30 back, Online only, expires 01/09/24
    • Columbia: Spend $150 or more and get $25 back, Online and In-store, expires 12/31/23
    • Cole Haan: Spend $150 or more, get $30 back, Online and In-store, 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.
    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 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 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%.