Reminder: activate your Discover Q4 Cashback rewards

This is a reminder alert! If you have Discover credit cards, make sure you activate your Q4 5% credit card rewards for 2017! It’s a pretty good get this quarter, it’s Amazon and Target. There is a maximum spending of $1500 per credit card for the quarter, but that’s a $75 cashback bonus, not a small amount!

The quarter runs from October 1st until December 31st in 2017. Unlike the Chase rewards sign-up, the Discover sign-up is NOT retroactive for the quarter. It starts after you activate it. It may take a couple of days for it to kick in, I haven’t tested the exact timing of it because I usually sign up the moment I see the new quarterly offers appear (they usually appear a month before they start).

Here’s a screenshot from their website to remind you:

YMMV: 5% AT&T Universal Cashback on Popular Categories

If you have an AT&T Universal credit card, check your email or account or snail mail you may have received from them. There is a new cashback promotion running for the 4th quarter of 2017 that gets you 5% cashback on select popular categories.

There are two dates to remember:

  • you must activate the offer by 11/30/17 (there is a 1-click activation in their email)
  • keep shopping on those categories (after activating) until 12/31/17
  • the maximum bonus cashback you will receive from this promotion is $25, which, when you do the math, evens out at $625 in purchases. You already earn 1% in regular cashback, so the $25 maximum is on the 4%, not the 5%

Here are the categories, in the screenshot:

Discover Q4 5% Cashback Credit Card Rewards feature Target and Amazon

This year has flown by real fast. We are not that far away from the 2017 Holiday shopping season and with that we have the fourth quarter credit card rewards ready for activation! Discover has an even better fourth quarter in 2017, you will get 5% cashback on purchases at both Amazon and Target, two of the biggest online and offline retailers out there.

As usual, there is a limit of $1500 in spending per quarter per credit card account. If you have multiple Discover cards, each one has its own limit of $1500. Purchases made above $1500 will earn the standard cashback amount you get on everyday purchases. So the maximum Cashback Bonus from this promotion is $75.

You can activate this right now in your Discover account or app, BUT purchases will count for the 5% rewards for the 4th quarter, which is October 1st until December 31st in 2017.

YMMV (Targeted): 5% back on AT&T Universal card

This offer is a very YMMV, as it appears to be a targeted offer, perhaps to encourage people who are not using their AT&T Universal card as much as their computers think they should be šŸ™‚

If you have received this offer, by email or by mail, it goes like this: you earn 5% as a statement credit on purchase made with the card until 9/30/17. This includes almost all purchases, it is not a quarterly reward type. However, the maximum you can earn through this promotion is a $25 bonus, which means it phases out either at $500+ in purchase or $625+ (if they only count the 4% towards the bonus since you earn 1% anyway with the Universal card).

Excluded are AT&T purchases and similar offers that earn a similar or higher percentage already.

You MUST first activate the offer before you can earn the bonus! Here’s a screenshot of what I received:

Chase Third Quarter 2017 5% Cashback Bonus rewards are Restaurants and Movie Theaters

UPDATE: here is the Complete List of participating merchants AND exclusions from Chase itself!

ORIGINAL POST
Everybody loves eating, well, at least has to eat, so if you have a Chase credit card that is participating in the 5% Cashback Bonus rewards, make sure you activate the 3rd Quarter promotion, running between July 1st until September 30 in 2017. You earn 5% back in cashback in Restaurants and Movie Theaters!

As usual, there is a maximum of $1500 spending per credit card. Meaning the first $1500 during the quarter you spend in Restaurant and Movies will earn 5% cashback. Any purchases over $1500 during the quarter will earn the standard 1% cashback instead.

The good thing though is that the $1500 limit is per credit card, not per person. So if you have two or more of these credit cards, you can max out at $1500 per credit card.

The other nice thing with Chase is that you can retroactively activate it later in the quarter, so even if you forget to pre-activate, you won’t miss out on the earnings. But there is a cut-off point, you can’t activate it when it gets close to expiration. The activation page (when logged on to your Chase account) or the email prompting you to activate will have the exact dates and details…

Android PAY with Chase Freedom: Buy Groceries 5 times, Get $15 Statement Credit

UPDATE 5/25/17
The $15 statement credit is now posted on my account! Woohoo!!! šŸ™‚ Here’s a screenshot of the $15 credit… Click on “View Image” to see a larger size of the picture…

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YMMV 10% back statement credit on AT&T Universal Credit Card

This is a YMMV promotion as it may be targeted. I haven’t been using my AT&T Universal Credit Card (by Citibank) much lately, so maybe that’s why their computer sent me this offer. If you are offered this, AND manually activate it (click on the link in their emails), you will get 10% back as a Statement Credit (not those dinky Thank You points) almost everywhere you use the card. This is not restricted to specific product pages.

The downside though is that this is a maximum $25 statement credit through this promotion, which means the maximum spending with the bonus earnings is just over $250. They only count the difference between your standard rewards and the bonus towards the $25, so if a purchase is eligible for 1%, only the 9% earned will count towards the $25. So it’s about $275~ or so. I can’t do the math in my head this early in the day šŸ™‚

You have until May 31st in 2017 to activate this promotion [if you had been offered it]…

Extra Membership Point at Best Buy and Macy’s

This is another American Express Offer you can find in the “Offers” section when you login to your account. It is available only to cards that participate in Membership Rewards (not the lovely AMEX Blue), and it is YMMV. First you have to find these offers in your account (some of them are targeted, so only some people get them), and then you have to manually activate them, which sounds ore complicated than it is, you just press the “Add to Card” button for every offer you are interested in. You can “Add to Card” on as many offers as you like, including all of them. But you have to do it one by one šŸ™‚

An extra 1% may not be much but if you are only getting 1% in points anyway at Macy’s or Best Buy, then it is doubling up your Rewards points šŸ™‚

Here are the screenshots of the two offers, Best Buy first, then Macy’s:

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Don’t miss the Chase Q2 (2017) Cashback Bonus rewards

Don’t you dare miss the second quarter 5% Chase Freedom cashback rewards bonus offers! They offer two very popular categories that almost every person spends money on! Grocery stores and Drugstores! You get 5% on up to $1500 spending on those two categories between April 1st and June 30 in 2017!

The $1500 total is on both categories, not each category. However, if you have multiple Chase Freedom credit cards (Chase has been buying other small credit card companies left and merging them into their own), the amount is $1500 per card for the quarter.

As you can see from their promotion, a lot of popular stores are participating in this promotion, both on the grocery and the drugstore front!

YMMV Amex Blue Offers Upgrade to Preferred with $150 Bonus on $1000+ spend

If you have an American Express Blue credit card, check your AMEX Offers (at their website or app). You may have been offered an Upgrade promotion to the Blue Cash Preferred credit card. The upgrade promo is a $150 statement credit if you make $1000+ in purchases during the first three months of the upgrade.

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You can sign up now for the Discover Q1 2017 Cashback Bonus

Time flies and already, if you have a Discover credit card, you can pre-signup for the Q1 of 2017 5% cashback bonus rewards categories. The earning period is the usual calendar quarter, January 1st until March 31st in 2017. Don’t wait until the last day of the quarter though, as some of the transactions may not get in the system on time to earn the rewards.

Amazon is no longer going to be featured, so if you want to still get 5%, simply buy Amazon gift cards in Q4 2016 (if you are still under $1500 for your card).

discover_q1_2017_cashback_bonus

The categories are pretty good though for Q1:2017, you get Gas Stations (almost everyone with a car needs gas), wholesale clubs (Costco doesn’t accept Discover, so by default it is not eligible), and ground transportation (but travel agencies or travel aggregators are not eligible). You can find a detailed list of what exactly is eligible and ineligible on the Discover website.

Some of the notable exclusions: gas stations at superstores/supermarkets may not be eligible (only way to tell for sure is try it and do the math in your statement).

If you have multiple Discover credit cards, good news, the $1500 limit is per account, not per person/SSN.

AMEX Blue Preferred Twitter Offer: 10% back on Amazon (up to $200 or 6 mos)

Twitter too is a good place to find deals, case in point, among the various annoying sponsored tweets, you may actually find something useful. American Express is running a Blue Preferred Card promotion that in addition to the regular cashback rewards, you receive 10% back on Amazon purchases, up to $200 in Rewards (= up to $2000 in purchases) or for the next six months, whichever happens first. This is great for the holiday shopping season since most people spend a lot more during that time. In addition, you may be able to qualify for $250 back when you make $1000+ in purchases within the first three months.

NOTE that the Blue PREFERRED has a $95 annual fee. As much as you may find annual fees revolting, this is actually better than the regular no-annual fee AMEX Blue if you make an average of $265+ monthly purchases in groceries (or any other combination of bonus-percent category purchases).

This is because groceries are 3% with the default Blue. With this one, you get 6% (up to $6000 in purchases per year). So for the Preferred to be …preferable (sorry, I couldn’t resist), you need the extra 3% to be higher than $95 per year. Pull up the calculator, and the break even point is $3164 per year or $264 average per month. So if you spend more than that, you get more cashback with the Preferred even with the annual fee.

But you don’t just get more % rewards on groceries. You also get 3% on department stores and gas stations versus 2% with the no-fee Blue.

Discover Card Redemption Special: Use $20, Get $25 Red Robin Gift Card

If you have a Discover Credit Card (or any other Discover account that is eligible for their rewards program), and you have at least $20 of rewards available in your account, they are running a special promotion on Red Robin gift card, you use $20 of your rewards to receive a $25 Red Robin gift card (plastic card by mail or by e-mail). This is highlighted when you go through the various gift card redemption options. Screenshot below:

redrobin_discover_redemption

I do not know when this offer expires.

Discover’s 4th Quarter 5% Cashback is Amazon, Department Stores and Sam’s Club

No Amazon as a 5% 4th quarter category from Chase Freedom, but Discover saves the day with their 4th quarter 5% rewards, continuing on with Amazon that was also a featured category in the third quarter.

discover_q4_amzn_deptstores_sams

Coming along for the ride with Amazon are Department Stores, another very popular category during the holidays (obviously), along with Sam’s Club. Costco doesn’t accept Discover so they couldn’t include them even if they wanted to. Needless to say, between these three categories, it’s not that hard to get to $1500.

Remember, everything you buy from Amazon qualifies for the 5%, including Prime memberships, and monthly subscriptions, and digital content, and gift cards and such.

As usual, the quarterly spending limit is $1500 per credit card, not per person, so if you have two Discovers, you get $1500 per. By $1500 I mean the purchase maximum, so the most you will get rewards-wise from this is $75. After that, it reverts to the standard 1% (or whatever rate your card is at). This applies to Chase and Citibank as well.

Discover does not allow retroactive activation, so make sure you activate it ASAP!

Strategically, you have to triangulate department store purchases between this and Chase, since they both feature them.

Chase 5% 4th Quarter 2016 categories are now LIVE

October 2016 is here, and this means a new round of 5% cashback categories from some of the biggest credit card companies. We start the Q4 round-up with the Chase Freedom / Ultimate Rewards program. Their 5% categories for the period covering October 1st until December 31st in 2016 are:

chase_freedom_q4_rewards

Yes, this is another holiday shopping season tinged selection, with a variety of Department stores but also Warehouse Clubs joining the party. That includes Costco who is no longer an AMEX-only shop. Warehouse Clubs were also a 5% category in the third quarter, so continue the Sam’s Club and BJ’s and Costco shopping sprees šŸ™‚

Last but not least are the Drugstores, another place of frequent purchases. With all these categories, it’s not hard to reach the quarterly limit of $1500, so plan your purchases according to the various credit card rewards to max out the benefits. Remember the $1500 limit is per credit card, not per person, so if you have two Chase Freedoms, it’s $1500 per card.

The other nice thing Chase does is that you can retroactive earn rewards going back to October 1st even if you active now. There is a deadline before the end of the quarter to activate, but it is very generous. I always pre-activate before the new quarter begins, so I haven’t tested this yet. But they mention it prominently in their FAQs and such.

Here’s the big picture of their 2016 quarterly categories, but keep in mind, there’s no guarantee the exact same line-up will appear in 2017. There’s typically some overlap, but they move things around as well.

chase_q4_2016_wholesale_clubs