Posted by William Charles on March 15, 2017
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Published on March 15th, 2017 | by William Charles


Q2 2017 5% Quarterly Categories (Freedom, it, Cash+ & Dividend): Activate, Offers & Suggestions

It’s now possible to activate/enroll your 5% credit cards for second quarter of 2017. In this post we will provide the activation link for each card and also list what categories that card has along with any strategies we suggest for helping to increase spend on that category (without just making frivolous purchases).

Chase Freedom – Grocery Stores & Drugstores

Activation Link (thanks to @telewatcr for reminding me)

The holy grail of 5% categories and both in the same quarter! Finding Visa/Mastercard gift cards at a grocery store or drugstore isn’t too difficult for most people so maxing this category out will likely be done quickly.

Tip: Click ‘See Details’ in your Chase Freedom login to see how far along the $1,500 you are.


Discover it – Home Improvement & Wholesale Clubs

Activation Link

Some people might be getting sick of wholesale clubs, but you should be able to max out this category without too much issue either. More details here. New Discover cardholders will also get that 5% cashback doubled at year’s end for a total of 10% back.

Tip: Click this link to see you how far along the $1,500 you are.

discover it bonus

Citi Dividend – Drugstores & Fitness Clubs

Activation Link

Citi is slightly different to the other cards in that you have a $6,000 annual cap rather than a quarterly cap. Drugstores is probably the easiest category for the year to purchase gift cards for, so most people will be trying to max out their annual cap this quarter.

citi dividend

Cash+ – Select your Categories

Activation link

U.S. Bank Cash+ offers 5% cash back in two categories, up to $2,000 combined total per quarter. Here are the current options (keep in mind that Charity was replaced with Ground Transportation from this quarter onwards):

  • Select clothing stores
  • Cell phones
  • Electronic Stores
  • Car rental
  • Gyms/Fitness
  • Bookstores
  • Fastfood
  • Ground Transportation
  • Sports goods
  • Department Stores
  • Furniture Stores
  • Movie theaters

Best categories really depend on your personal preference, I used to go with charity so I’m going to have to rethink my strategy.

14 Responses to Q2 2017 5% Quarterly Categories (Freedom, it, Cash+ & Dividend): Activate, Offers & Suggestions

  1. Dario says:

    How do you know if Citi is activated? Clicking your link, but also just trying to find it myself on their website, prompts me to sent which card I want to see an offer for and selecting the Citi card ends up not showing any activation area or anything….

  2. Brad says:

    Quick question on drugstores – A lot of insurance companies are making us use Mail Order pharmacies such as Express Scripts, etc…

    I have no idea if these would apply to drugstores or not, but I’m willing to guess no? Otherwise, I don’t know of a good way to max this one out with natural spending.

  3. TomTX says:

    Does the Discover 5% back work at

  4. AB says:

    Discover works on

  5. Sam says:

    Why not nusenda ?

  6. Jeff H says:

    Citi Q2 (16.16kB)

    Second QUARTER 2017 – Citi 5% Dividend Rewards
    Earn 5% cash back on eligible purchases when you use your Citi Dividend Card from April 1, 2016 through June 30, 2016 at:
    •Fitness Clubs
    – FULL YEAR 2017 REWARDS shown

    Log into your account to register for this new quarter.

  7. T says:

    I ran into an issue at my local Vons where the cashier said she’ll only take ATM card or cash (not credit card) for a Mastercard gift card purchase. Is this common?

  8. alex says:

    anybody has an issue to activate citi? I haven’t received the activation email as before. If I went to, after I signed in, it sitll shows this quarter’s offer. I called this monring, a custormer service guy had to manually activate it although I still haven’t seen any change in my account yet.


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