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.

• YouTube TV: Spent $64.99 or more and get back $20, up to 2 times, Online only, expires 01/03/24.
• 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
• Royal Caribbean International: Spend $1,500 or more, get 25,000 Membership Rewards(r) points, 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.
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.

Preview for the next quarter:

1. Discover IT will have restaurants and drug stores.
2. Chase Freedom with have Groceries, gym, and Self care/Spa categories.