You can now activate your 5% cash back categories on the following cards: Discover it, Chase Freedom & Citi Dividend. We’ve included the links to activation below, as well as examples of what counts for quarter two. Keep in mind you won’t start earning 5% in these categories until April. If you want more information on how it’s determined what business specifically codes as, I’d read this post.
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Chase Freedom (Grocery Stores & Wholesale Clubs)
You’ll earn 5% cash back on all purchases made at grocery stores. They don’t give any examples of what does count for grocery stores (but I’m sure you know what is a grocery store), but they specifically state that Walmart & Target will not count. This quarter also includes wholesale clubs and specifically states BJ’s & Sam’s Club as working. It’ll be interesting to see if Costco will also code as a 5% category when they start accepting Visa payments in June.
Discover it (Restaurants & Movies)
Discover gives us a bit more information on what is included in their categories:
- Restaurant purchases are those made at merchants classified as full-service restaurants, cafes, cafeterias and fast food locations
- Movie purchases are those made at merchants classified as movie theaters, video rental stores, and online movie ticket services. Purchases made at warehouse clubs, wholesale distributors and discount stores are not eligible
Also keep in mind your Discover cash back will be doubled if you’re enrolled in the Discover double cash back promotion.
Citi Dividend (Drug Stores & Fitness Clubs)
You’ll earn 5% back on Drugstores & Fitness Clubs, Citi Dividend is a bit different to the other cards in that you can spend up to $6,000 per year and receive 5% cash back. You don’t have to split it with $1,500 per quarter in spend. Drug stores are probably the best category for people manufactured spending. So most people will want to max out this category. Unfortunately when I wrote this post they weren’t give out examples of what counts, but when it goes live they should be so just click through to activation.
