Posted by William Charles on October 1, 2018
Credit Cards

Published on October 1st, 2018 | by William Charles

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Q4 2018 5% Quarterly Categories: Activate, Offers & Suggestions (Freedom, Discover, Dividend, Cash+)

It’s now possible to activate/enroll your 5% credit cards for the fourth quarter of 2018 on Chase Freedom, Discover IT, Citi Dividend, and US Bank Cash+. In this post we’ll provide the activation link for each card and link to track your spend, along with strategies to help increase spend on these categories.

Dates: October 1st – December 31st, 2018. Store purchases can usually be done until the last minute. Online purchases should be given a buffer zone of a day or two.

Chase Freedom – Wholesale Clubs, Department Stores & Chase Pay

Activation Link / Our original post

  • Earn 5% back at Wholesale Clubs, Department Stores & Chase Pay during the months of October, November, December, up to $1,500 maximum. Some tips:
    • Chase Pay. You can use Chase Pay at select merchants online and in-store, here’s a partial list of partners. Keep in mind you can now link Chase Pay & Samsung Pay together, Samsung Pay is basically accepted everywhere so should make it much easier to make out this category. The fine print specifically states purchases through Samsung Pay when linked qualify for 5% as well.
    • Department Stores. includes places like Sears, Macy’s, Kohl’s, Nordstrom, Nordstrom Rack, and Neiman Marcus. Full list can be found here.  It does not include discount stores or super-centers such as Target, Costco, BJ’s, or Sam’s Club.
    • Wholesale Clubs. includes include Costco, Sam’s Club, BJ’s

Most people will probably max this out either via Chase Pay for regular purchases (especially if you have access to Samsung Pay) or by purchasing gift cards at Wholesale Clubs.

Tip: Click this link (login required) to check how far you are along the $1,500.

Discover – Amazon.com & Wholesaleclubs

Activation Link / Our original post

  • Amazon.com purchases include those made through the Amazon.com checkout, including digital downloads, Amazon.com gift cards, Amazon Fresh orders, Amazon Local Deals, Amazon Prime subscriptions and items sold by third party merchants through Amazon.com’s marketplace.
  • Wholesale Clubs. includes include Costco, Sam’s Club, BJ’s

Lots of people will just max this out at Amazon, although keep in mind some cards earn 5% cash back at Amazon year round. Also don’t forget to stack Amazon with other deals (more on that here). Another option is gift cards at Wholesale Clubs as mentioned above.

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

 

Citi Dividend – Best Buy & Department Stores

Activation Link | Our Original Post

  • Department stores.
  • Best buy. Best buy stores can be useful for regular purchases and also for resellers, they also sell a number of third party gift cards.

Citi is slightly different to the other cards in that you have a $6,000 annual cap rather than a quarterly cap. So you can get 5% back on up to $6,000 in this quarter, you can save the entire amount for a different quarter, or you can use part up each quarter. A lot of people have been saving their spend for this quarter, feel free to share how you’ll max it out in the comments below.

Cash+ – Select your Categories

Activation link | Our Original Post

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 the Bookstores category has been  replaced with Home Utilities since April 1. Prepaying your gas and electric can help max this out.

  • Home utilites
  • Select clothing stores
  • Cell phones
  • Electronic Stores
  • Car rentals
  • Gyms/Fitness
  • Fast food
  • Ground Transportation
  • Sporting goods
  • Department Stores
  • Furniture Stores
  • Movie theaters

Tip: Login here, then scroll down and click on the Red “View Your Cash+ History” button.



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collider
collider

How to use Samsung Pay for Chase pay? directly using Samsung Pay or need to open Chase pay then click samsung pay?

Aditya Shrivastava
Aditya Shrivastava

I believe, once you link the two (by opening Chase Pay and adding your cards to Samsung Pay from there), when you open Samsung Pay, you should see a Chase Pay icon like this:
https://imgur.com/a/Kdcwi3a

Jason_08
Jason_08

so far in my tests, not all of the transactions initiated from SPay have been marked as a CPay transaction. Best to initiate from CPay (and click “Pay with Samsung Pay”) to be sure you get credit for the transaction

Aditya Shrivastava
Aditya Shrivastava

Thanks for letting us know! I will make sure to remember to do that!

Abey

5% back at gas stations for the Freedom. Is that a typo?

Chuck

Fixed, thanks

Brian
Brian

Does wholesale club gas count (costco gas for example?)

S
S

I would love to know this answer as well

maikar
maikar

no

Jill
Jill

Nope. But, you can buy a gift card which would get you 5% back and use that to pay for gas.

chris paynter
chris paynter

No. Costco gas pumps code as Gas Station, so only qualify when the Freedom quarterly categories include gas. Same with Sam’s Club gas pumps (which would apply to both the Freedom and Discover, of course).

Celia
Celia

As Chris says, no it doesn’t count but you can just buy a gift card and use that to pay for gas.

Greg N
Greg N

I think it must be – this past quarter was gas stations on Freedom.

Lrdx
Lrdx

Another option for Chase Pay is adding it to Walmart Pay, and you can use it to pay in-store or online at Walmart.

CW
CW

This needs to be higher on the list and in the main post! I totally forgot that you can link the two and I shop at a Walmart Neighborhood Market every week for my groceries.

danda
danda

How do you add chase pay to Walmart pay, don’t see that option in my app ( No Chase pay option)

chris paynter
chris paynter

https://help.walmart.com/app/answers/detail/a_id/2551/~/paying-with-chase-pay

This is how I almost exclusively use my Freedom card when Chase Pay was a category during Q2.

Ryan
Ryan

Any issues with buying Visa gift cards at Walmart using this method and getting the 5% back?

RKS
RKS

Can we use Discover with Costco ? When I went to costco, they are accepting only Visa Cards. if we are able to use, can any one tell me how to use ?

Tysun
Tysun

You can you it online at Costco.com
If you want to use it in store buy Costco cash cards online with discover and use them in store.

MickeyMouse
MickeyMouse

They should also be accepting Apple Pay and you can load Discover into Apple Wallet.

Celia
Celia

I thought Costco was still restricting to Visa in Apple Pay.

Per the Apple Pay/Costco thread: Costco clubs now only accept Visa cards, regardless of whether you pay with a mobile wallet or the physical card.

alvinroast
alvinroast

If buying online from Costco.com you may need to allow more than a week before the end of the quarter for “processing”. I lost $300×2 thanks to Costco pulling this during Discover 10%.

Aditya Shrivastava
Aditya Shrivastava

You lost $600?! 😛

Mh
Mh

Are the MMS people now writing here?

KP
KP

Anyone know exactly *how* to link your Chase Pay with your Samsung pay?

Jay
Jay

You login to Chase Pay on a Samsung Pay enabled device. When you add your cards to Chase pay you’ll be prompted to link Samsung Pay

KP
KP

Awesome. Thanks!

Etreju
Etreju

Do I understand correctly this only works if you have a Samsung phone, and not just a Gear S3 and a cheapo android phone?

Vidyasagar
Vidyasagar

+1 Please help

akjohnny
akjohnny

which wholesalers sell $500 visa or mastercard gift cards?? I just need 6… 3 for Disco and 3 for Chase Freedom 🙂

James
James

Samsung pay + Simon Mall

AkJohnny
AkJohnny

is simon mall a dept store or wholesale club?

Klemhuzzah
Klemhuzzah

I think he means to use Samsung Pay to pay with Chase pay so you can buy from Simon Mall and get the 5% on the Freedom Card.

Cps
Cps

For the cash+, CPS energy in San Antonio doesn’t count as “home utilities” as illogical as that may be. The service fee of $2.35 for the same payment did qualify.

Our records show that the merchant classification for CPS Energy charges of $xxx.xx on 07/23/2018 and $xxx.xx on 08/22/2018 is Government Services. Therefore, these transactions did not qualify for 5% bonus cash back in the Home Utilities category. Please note that we do not control how merchants choose to classify themselves.

We can confirm that two separate charges of $2.35 on 07/23/2018 and 08/22/2018 did earn the 5% cash back, as the merchant classification is listed as Utilities for those charges.

Francesco
Francesco

Interesting DP, thanks for sharing.

sdsearch
sdsearch

For a similar reason, not all ground transportation purchases count as ground transportation. Some city/county-run mass transit card purchases get billed in a “govt services” category because the mass transit program is run by the local government.

Sam
Sam

Can’t max out this quarter’s categories for CF and Disc. How are you maxing out without liquidation option?

PJ
PJ

$500 MCGC at Walgreens, then Plastiq using Masterpass promo

calwatch
calwatch

If Best Buy sells VGC again then this is good, otherwise it’s Amazon or I’ll just forget about Dividend as I did last year. I wish they brought back health care again.

Matthew
Matthew

Tried to buy VGC at BB today to do the Chase Pay UR bonus for October, but none. Plenty of Amazon though.

Jacinto
Jacinto

For Citibank, how can you maximize Q3 categories: Airlines?
Does purchasing airline gift cards directly from the airlines work?

Don
Don

My local costco only accepts Visas. Is that the same nation wide?

Kapni
Kapni

Yes, but you can use Discover/Master Card to buy Costco GC’s online and use them to buy in store. Also use the Costco GC for gas as using Freedom at gas stations will get coded as “Gas” instead of “Wholesale”.

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